brochure 2003 irl 11/11/04 14:16 Page 1 - ECA Vaud€¦ · brochure_2003_irl 11/11/04 14:16 Page 1 Guide to help you fill in your personal property insurance coverage All of your

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brochure_2003_irl 11/11/04 14:16 Page 1

Guide to help you fill in your personal property insurance coverage

All of your personal property covered at the best price thanks to obligatory fire and natural disaster insurance.

[INSURANCE, PREVENTION, ASSISTANCE

Since 1811 the “Etablissement Cantonal d’Assurance” (Cantonal Establishment of Insurance, ECA) against fire and natural disasters has been ensuring the safety of personal property and real estate belong-ing to individuals and businesses.

On the basis of solidarity between all of its insured, insurance for fire and natural disasters is obligatory for everyone. This principle, not only ensures the best premiums, but also guarantees coverage, irrespective of risk exposure.

Furthermore, ECA is proactive in fire prevention, fire fighting and the efficiency and safety of rescue teams.

[IT AFFECTS ALL OF US

Fire, lightning, explosion, surface flooding, etc., don’t only happen to other people. It is wise to be ahead of the game by updating your insurance policy as soon as possible.

Thanks to ECA, you should find a similar situation to the one prior to a claim. We provide you the means to repairing damaged property or buying new property of the same quality.

[WHAT DOES YOUR ECA ” PERSONAL PROPERTY ” POLICY COVER ?

All personal property, for example, all of the belongings which you and your family possess for your own usage, including leasures.

However, property used for a professional activity (whether indus-trial, commercial, artistic, etc.) or for agricultural purposes is not included. As it is also obligatory for such property to be insured, it must be covered under a professional or agricultural insurance policy.

1

[WHAT RISKS ARE INSURED ?

Your personal property is insured against the risks of “fire” and “natural disasters”.

Risks

Fire

- fire- lightning and atmospheric discharges- explosions- smoke (sudden and accidental effects)- falling aircraft or parts which become detached from aircraft Damage caused by scorching or burning without there actually having been a fire, by short-circuits, power surges or heating caused by overloading. No indemnity isprovided for losses of less than CHF 50.–.

Natural disasters

- rockslides and rock falls;- landslides;- avalanches;- excessive weight and sliding snow;- high water and flooding;- hurricanes: violent windstorms which overturn trees or tear the roofs off of houses in the proximity of the damaged property;- hail;- sinkholes: subsidence and collapses over karstic phenomena.

Damages caused by natural disasters are subject to a deductible of minimum CHF 200.–. This amount will be deducted from the compensation.

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[HOW MUCH SHOULD I INSURE?

If the sum insured is less than the replacement value, you are underin-sured. In the event of a loss, the indemnity will be reduced accordingly.

You must insure the price which you would have to pay today in order to buy similar goods in new condition.

Be careful: being underinsured can cost you a lot!

Only you know the value of your personal property. You must insure the exact amount on the inventory form.

[BEGINNING OF THE INSURANCE POLICY AND PREMIUMS

The coverage for insurance takes effect as soon as the duly completed and signed inventory of personal property is given to ECA. If it is sent by post, the postmark is evidence of the date.

The premium is due starting the day on which the insurance coverage begins (the amount is calculated pro rata to the length of time), and there-after on the 1st day of January yearly. The premium is sent yearly based on the values insured on the first day of January.

The minimum annual premium is CHF 20.–. Swiss stamp duty is payable in addition.

Now follow the guide and remember to let us know later about any import-ant purchases!

Surname of the Insured: Mr Mrs Ms

Married name or maiden name:

First name of the Insured:

At the care of (c/o) or PO Box:

Street and no.:

Postcode and town:

Date of birth: Profession:

Private/work phone no.: E-mail address:

Does this policy replace an existing policy with ECA? yes no

Its number is:

Does this policy cover the property of anyone living in the same household other than your wife/husband and children? If yes:

Surname: Married name or maiden name:

First name of the Insured:

Date of birth:

Does this person already have a “personal property” policy with ECA?

Its number is:

It is to be replaced by this policy: Number of rooms in the housing : Number of people whose property is insured by this policy: Where is the property located:

Application form for personal property coverage

Personal information:123456789

10

111213

Post

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Once both sides have been completed, please return form to ECA. You will then receive your insurance policy.

Ref. no.:

yes yes yes

yes yes yes

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Pers

onal

info

rmat

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[PERSONAL INFORMATION

This information is intended to enable us to identify you to better serve you.

1 to 7. Surname, first name, address, date of birth and profession

Please confirm, complete or correct.

Rubric 4 “care of” is intended for people who do not live in their own apartment (lodgers) or who wish for correspondence from ECA to be sent to an address other than their home address.

State your current profession, function or title.

8. Telephone numbers and e-mail address

These will enable us to exchange information quicklier.

9. Does this policy replace an existing policy?

Generally speaking, the new policy automatically replaces the existing one. If the existing policy is to be maintained, however, check no. You will then have more than one policy covering personal property.

This is appropriate in particular in the case of a second home.

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[NOW FOLLOW THE GUIDE AND REMEMBER TO LET US KNOW LATER ABOUT ANY IMPORTANT PURCHASES !

Pers

onal

info

rmat

ion

10. Does this policy cover the property of anyone living in the same household other than your wife/husband and children?

A single policy for the whole family!

It is up to either spouse to ensure that all members of the family are insured.

If you live with someone else, you also have the option of having just one policy covering your personal property and the other person’s property. If this is the case, please mention it here.

Remember to get the other person to sign the form as well; in that way he/she will receive payments from us in the event of a claim.

If this other person already has a policy covering personal property, please mention if it is to be replaced (check yes). In the absence of , the old policy will be maintained.

11. Number of rooms

Do not count the bathrooms, kitchen, cellar or attic.

Personal property stored there is included within the values recom-mended on pages 10 and 11.

12. Number of people whose property is insured under this policy

Count the people (adults and children) residing at the same address.

13. Location(s) of the property

Your property is covered at the insured location(s) stated on your inventory. If the risk location (building where the property is usually kept) is different to the address stated at the top of your policy or if your property is spread over several different locations, you must specify all locations, for example, family gardens, mobile home, caravan, storage facility (wines, furniture), etc.

If you have a chalet or secondary home in the canton of Vaud, com-plete a separate policy to insure the property located there and men-tion the address, for example “Le Lavanchy, Les Diablerets”. Property temporarily removed from the home for work purposes, for a trip or a holiday, remain covered, without any additional charge, for up to a maximum of CHF 20,000 and for no longer than 60 days. Personal property transported for the purposes of military service, also remains insured, without any additional charge for the length of that period.

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A. VALUE OF PERSONAL PROPERTY

The table on the next page has been drawn up to make your job easier. It includes all common personal property.

We have used values which will enable you to replace damaged prop-erty with new property. Depending upon the quality and importance of your property, you have the choice between a coverage for “simple quality” or “higher quality”.

Thus, for example, a couple with one child, living in a four room apartment, will choose an amount between CHF 101’500.– and CHF 151’700.–.

You may also make your own evaluation, for example, by drawing up an inventory of your personal property.

Specific objects (electronic devices, travel, DO IT YOURSELF, etc.) are listed separately (rubric B of the policy).

A

B

C

E

D

VALUE OF COMMON PERSONAL PROPERTY(Use the table on pages 10 and 11 of the brochure to guide you) ADDITIONAL VALUES (see pages 13 to 19)

B1. ELECTRONIC AND COMPUTER EQUIPMENT

B2. LEASURES, HEALTH

B3. TRAVEL, CAMPING, SPORT

B4. DO IT YOURSELF, GARDENING, OUTDOOR FURNITURE

B5. COLLECTIONS

B6. WORKS OF ART, VALUABLES

B7. FOOD

B8. HOME IMPROVEMENT B9. RESERVE FOR FUTURE

PURCHASES

TOTAL (A + B1 to B9)

SPECIAL ITEMS (see page 21)

D1. D1. If you have:

D2. Natural elements

excluded =

D3.

D4

TOTAL (D2 to D4)

DEBRIS REMOVAL COVERAGE AND MOVING EXPENSES, ETC. (voir page 23)

TOTAL INSURED VALUE (C+E+F)

CHF

CHF

CHF

CHF

CHF

x

CHF

CHF

Clothing, furniture, curtains, rugs, bedding, lighting, mirrors, household appliances, household items, kitchenware, indoor plants, etc.

Multi-media (TV, radios, DVD, hifi, game consoles, home cinema), parabolic antennas, computers, peripherals and other electronic devices, telephones and cellphones.

Books, toys, games, strollers, modeling, domestic animals, aquariums, musical instruments, disks, CDs, DVDs, electronic games , photographic/optical/film equipment, glasses, prostheses, wheelchairs and motorised chairs, medical beds, cosmetics, household pharmaceutical items.

Suitcases, travel bags, camping items, bicycles, sporting equipment (skiing, tennis, golf, fishing, etc.), windsurfers, canoes, hang gliders.

Tools, lawn mowers, ride-on mowers, snow blowers, garden or balcony furniture, outdoor grills, sun shades.

Stamps, stones, metal ware, weapons, wines etc.

Rugs, fur, silverware, watches, ancient furniture, jewellery, precious stones, paintings.

Food stored in pantry and freezer, wines, aperitifs, liqueurs.

Interior and/or exterior home improvement carried out by and belonging to the tenant.

Plan on approx. 10% of rubric A.

CHF

Signature(s) of the Insured:

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ................................................................... Place Date

CHF

CHF

CHF

In the absence of amounts under D or F, no coverage

under these rubrics

or

Deb

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F

F

G

Movable structures. If this one is not situated at the location stated on the other side of this form, don’t forget to mention it. For property owners, these struc-tures may already be insured under our optional out-door coverage «Côté Cour, Côté Jardin».

Portable swimming pools and jacuzzis.

Mopeds and lightweight motorcycles (max. 124.9 cc).

CHFCHF 10’000.–(minimum)

CHF

CHF

CHF

CHF

CHF

a trailer, please mention its usual location in the Canton of Vaud:

a caravan or mobile home, please mention its usual location in the Canton of Vaud:

If you declare the existence of such property, which must be insured with ECA, the adequate forms will be sent to you as soon as possible.

Valu

e of

per

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A9


NUMBER OF PEOPLE >>>

<<<

NU

MB

ER

OF

RO

OM

S .

1 PERSON 2 PEOPLE 3 PEOPLE 4 PEOPLE 5 PEOPLE 6 PEOPLE

DETACHED HOUSE

104 900.-159 700.-

119 800.-181 300.-

132 300.-200 700.-

142 600.-214 400.-

154 000.-231 500.-

166 500.-249 700.-

5 1/2 ROOMS

6ROOMS

93 500.-140 300.-

99 200.-148 300.-

108 400.-161 900.-

114 100.-171 100.-

120 900.-181 300.-

126 600.-189 300.-

131 200.-196 100.-

136 900.-205 300.-

142 600.-213 200.-

148 300.-222 400.-

155 100.-232 600.-

160 800.-240 600.-

5 ROOMS

87 800.-131 200.-

102 700.-154 000.-

115 200.-172 200.-

124 300.-185 900.-

131 200.-196 100.-

143 700.-215 500.-

4 1/2 ROOMS

82 100.-123 200.-

97 000.-144 800.-

109 500.-164 200.-

119 800.-179 000.-

126 600.-189 300.-

4 ROOMS

75 300.-112 900.-

90 100.-134 600.-

101 500.-151 700.-

109 500.-164 200.-

117 500.-175 600.-

3 1/2 ROOMS

68 500.-102 700.-

82 100.-123 200.-

92 400.-138 000.-

101 500.-151 700.-

3 ROOMS

61 600.-92 400.-

75 300.-112 900.-

85 600.-127 700.-

95 800.-143 700.-

2 1/2 ROOMS

54 800.-82 100.-

68 500.-102 700.-

79 900.-119 800.-

2 ROOMS

47 900.-71 900.-

59 300.-89 000.-

70 700.-106 100.-

1 1/2 ROOMS

41 100.-61 600.-

52 500.-78 700.-

1 ROOM34 300.-51 400.-

45 700.-68 500.-

[VALUE OF COMMON PERSONAL PROPERTY

These values include common personal property.For example: clothing, furniture, curtains, rugs, bedding, lighting, mirrors, household appliances, household items, kitchenware, indoor plants, etc.

This table will help you estimate the value of your property.The values shown are average values. Children are counted as adults.

Example: 3 people occupy a four room apartment = de CHF 101’500.- to CHF 151’700.-from 101’500.- In black, value for property of simple quality,to 151’700.- In red, value for property of higher quality.If your property is top of the range, this value should be increased. You are responsible for the value which you have insured.

Valu

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per

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A1110

A

B

C

E

D






B5. COLLECTIONS


B7. FOOD


PURCHASES





excluded =

D3.

D4

TOTAL (D2 to D4)



CHF

CHF

CHF

CHF

CHF

x

CHF

CHF











CHF


. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ................................................................... Place Date

CHF

CHF

CHF


under these rubrics

or

Deb

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F

F

G





CHF

CHF

CHF

CHF

CHF




Addi

tiona

l val

ues

B

B. ADDITIONAL VALUES

Use the following pages to help you keep your belongings safe; it will make it easier for you to update these values in the future.

As for common personal property, the additional values must be deter-mined based on the amount which should be spent at the time the policy is issued in order to obtain a similar but new item of the same or equal value.

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1) Parabolic antennas which can be easily dismantled and transported must be insured under this rubric.

[B1. ELECTRONIC AND COMPUTER EQUIPMENT

Note: only equipment for personal use should be insured under the following rubric. Property used for professional purposes must be insured by a special policy. Ask ECA for advice.

[B2. RECREATION, HEALTH

Property used for professional purposes, for example musical instru-ments, must be insured under a special policy. Ask ECA for advice.

books, toys, games CHF

strollers CHF

modeling CHF

domestic animals 1) CHF

aquariums CHF

musical instruments CHF

disks, CDs, DVDs, electronic games CHF

photographic/ optical/film equipment CHF

glasses, contact lenses CHF

orthopaedic shoes, prostheses, heelchairs and motorise chairs, medical beds CHF

cosmetics, perfumes, household pharmaceutical items CHF

other CHF

TOTAL round up to the next thousand francs CHF

parabolic antennas 1) CHF

computers, peripheralsand other electronicdevices CHF

telephones and cellphones CHF

other CHF


1) Sentimental value is not taken into account. Use the normal price of a young animal. Co

mpl

emen

tary

val

ues

B1514

multi-media (TV, radios, DVD,hifi, game consoles,home cinema, etc.) CHF

suitcases, travel bags CHF

tools CHF

lawn mowers, ride-on mowers, robotic lawn mowers CHF

snow blowers CHF

garden or balcony furniture, outdoor grills CHF

sun shades, tents CHF camping items CHF

bicycles CHF

sporting equipment including clothing (skiing, tennis, golf, fishing, etc.) CHF

unregistered boats or boats less than 2.5 m long (canoes, rowing boats, etc.) CHF

windsurfers CHF

hang gliders, parachutes, delta wings CHF

other CHF


[B3. TRAVEL, CAMPING, SPORT

Camping items means canvas tents and their contents (sleeping bags, gas canisters, etc.).

Caravans and mobile homes (and their contents) must be declared under rubric D1.

Mopeds and motorcycles up to 124.9 cc must be declared under rubric D4.

The following require a special policy:Registered cars and motorcycles (plus parts and accessories), motor homes, motor boats or sailing boats can also be insured; the same applies to aircrafts. Ask ECA for information.

[B4. DO IT YOURSELF, GARDENING, GARDEN FURNITURE

These are your personal tools, not those used for professional purposes. If the total value of your tools or equipment exceeds CHF 50’000.–, we advise you to attach an inventory.

Outside equipment (garden or balcony furniture, outdoor grills, sun shades, tents, etc.) can be insured for its current value.

[B5. COLLECTIONS

If you wish to insure your collections (coins, postage stamps, books, disks, weapons, wines, models, etc.) list them here.

If the value of an item exceeds CHF 10,000 or if the total value of your collections exceeds CHF 100,000, please attach proof of their value (for example an invoice, inventory, certificate, proof of purchase, catalogue, photos).

w

Com

plem

enta

ry v

alue

s

B1716

other CHF


od stored in the pantry and freezer CHF

other CHF

[B7. FOODMention here your food reserves (cellar, freezer, etc.). For collections of wines, see B5.

[B8. HOME IMPROVEMENTS MADE BY THE TENANT OR CO-OWNERYou can list here any home improvements which you have done in your capacity as tenant and which are not included in the value of the building.

In the case of property where ownership is divided on a floor-by-floor basis, home improvements carried out by or on behalf of the co-owners must be insured under the building policy. Look into this issue with the administrator of your property. However, in the event of difficulties, you may, exceptionally, include these home improvements under this rubric. Note that if you move, it will be up to you to review the sum insured under your policy and advice the new owner to insure these home improvements in his policy.

However, equipment which forms an integral part of the building (e.g. fitted kitchens, floor, wall and ceiling coverings) are insured with the building.

[B9. RESERVE FOR FUTURE PURCHASESThis reserve is intended to cover any purchases which you may make in the relatively near future. It will avoid you having to revise your policy too often.

If, however, future purchases are significant (in terms of value or quality) or if they relate to special items (rubrics D1 to D4), we advise you to update your insurance inventory in order to avoid the disappointment of an under-insurance in the event of a claim.

We suggest you subscribe 10% of rubric A. Note that this rubric cannot, under any circumstances, be requested for any purchase made prior to the establishment of the policy or in the event of coverage under rubric F being insufficient or non-existent.

Com

plem

enta

ry v

alue

s

B19

stamps CHF

stones CHF

metal ware CHF

weapons CHF

wines (collections) CHF

other CHF

rugs CHF

fur CHF

silverware CHF

watches CHF

ancient furniture CHF

jewellery CHF

precious stones CHF

paintings CHF

other works of art CHF



[B6. WORKS OF ART, VALUABLES

It is compulsory to insure items. However, insuring medals, jewellery, precious stones, paintings or works of art with a value of CHF 10’000 .– or more or where the total value exceeds CHF 100’000.– is optional.

If you wish to insure items whose value exceeds these amounts, please attach proof of their value (for example an invoice, inventory, certificate, proof of purchase, catalogue, photos).

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wines, aperitifs, liqueurs CHF

A

B

C

E

D






B5. COLLECTIONS


B7. FOOD


PURCHASES





excluded =

D3.

D4

TOTAL (D2 to D4)



CHF

CHF

CHF

CHF

CHF

x

CHF

CHF











CHF


. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ................................................................... Place Date

CHF

CHF

CHF


under these rubrics

or

Deb

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over

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to in

sure

und

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bric

F

F

G





CHF

CHF

CHF

CHF

CHF




Spec

ial o

bjec

ts

D

C. TOTAL (A + B1 to B9)

Total personal property. This value will be adjusted automatically to take into account any future price changes (index-linked).

D. D. SPECIAL ITEMS

These items are not part of household contents. Nevertheless you still have to insure them against fire, with the exception of mopeds and small motorcycles (max. 124.9 cc).

Special items must be insured at their current value which corres-ponds to the price which you would have to pay at the establishment of your policy, for a similar item in the same condition and subject to the same usage.

[D1. TRAILERS, CARAVANS, MOBILE HOMES, AWNINGS AND ACCESSORIES (including their permanent contents)

Trailers, caravans and mobile homes must be insured with ECA.

This rubric is here to inform you about your duty to insure these items. By checking the box to this effect, you will be sent the necessary documents.

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[D2. MOVABLE STRUCTURES

This section insures garden sheds, summerhouses, bee hives, animal hutches, pool houses and other small, light structures such as yurts, tepees and treehouses (private usage only). Do not forget to mention all risk locations other than your home.

Damages caused by natural disasters are subject to a deductible of 10%, but minimum CHF 200.–. The premium rate is 4 ‰.

You can opt to insure fire risk only by checking the relevant box. In this case, the premium rate is 1 ‰ to cover fire-related risks.

[D3. ABOVE-GROUND SWIMMING POOLS AND JACUZZIS, INCLUDING POOL COVERS, TARPAULINS AND PROTECTIVE COVERS

Above-ground swimming pools and jacuzzis, as well as pool covers, tarpaulins and protective covers must be insured with ECA.

Damages caused by natural disasters are subject to a deductible of 10%, but minimum CHF 200.–.

Insuring in-ground swimming pools and jacuzzis is optional.

[D4. LIGHTWEIGHT MOTORCYCLES UP TO 124,9 CC

These are mopeds and lightweight motorcycles up to 124,9 cc. You may also insure electric wheelchairs for people with reduced mobility, registered electric bikes, hoverboards and private drones.

Insuring these vehicles is optional.

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E. TOTAL (D2 to D4)

You will obtain this by adding together all the values under rubrics D2 to D4.

F. F. DEBRIS REMOVAL COVERAGE, MOVING EXPENSES AND OTHER ADDITIONAL EXPENSES

This rubric is important as, in the event of a claim, it provides coverage (up to the amount of the sum insured) for : the cost of removing or moving undamaged property, the cost of clearing or destroying damaged items, the cost of self storage for cleaned/fixed or undamaged items, the cost of staying at a hotel, cost due to the impossibility of using the damaged premises, cost of restoring identity papers, household documents verified by a

notary, credit cards and others.

Expenses such as these can be big drains on your finances.

Unless indicated otherwise by you, we will insure CHF 10’000.– under this rubric. If you wish to insure a different amount, you must subscribe it in the appropriate area.

The premium rate is 1‰.

G. G. TOTAL INSURED VALUE

You will obtain this by adding together all the insured values under rubrics C, E and F.

Don’t forget to add your signature and the signatures of the other persons mentioned under rubric number 10 “Common household” of the application form for personal property coverage.

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Expe

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for r

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F

[ FOR YOUR INFORMATION

Legal and regulatory documents

The legal and regulatory documents governing your insurance can be downloaded from the website: www.rsv.vd.ch or obtained from the State Chancellery (tel. 021 316 40 40).

Updating your inventory

You can revise your inventory at any time but you must update it whenever there is a notable change to your property.

Before returning your policy to us, remember that saving a few francs on your insurance premium can result in you losing several thousand francs in the event of a claim.

Pully, December 2018www.eca-vaud.ch

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Etablissement d’assurance contre l’incendieet les éléments naturels du Canton de VaudAvenue du Général-Guisan 56 - cp 300 - 1009 PullyTél. 058 721 21 21 - Fax 058 721 21 22www.eca-vaud.ch

Documents

brochure 2003 irl 11/11/04 14:16 Page 1 - ECA Vaud€¦ · brochure_2003_irl 11/11/04 14:16 Page 1 Guide to help you fill in your personal property insurance coverage All of your