On your travels: which insurance covers what?

Are you planning for this year on a long trip or even a visit to the Football World Cup in Brazil? We have prepared for you an overview that maps the most important services the individual insurance solutions.

On your travels: which insurance covers what?

Are you planning a trip? Do you travel frequently? Or do you go on the occasional city break and wonder what insurance would cover you in an emergency?

Travel

A planned trip is cancelled, illness, an accident or a loss of baggage make it impossible to undertake or continue a trip – these are the risks prior to and during a trip. So what is covered by travel insurance, what is covered by home contents insurance and what does the personal liability insurance cover?

Home contents insurance and travel insurance from baloisedirect.ch provide you with protection against these and other similar risks. If you occasionally borrow a car, or ski or snowboard, we recommend that you take out supplementary cover.


We have created an overview that includes the key benefits of each individual type of insurance. Please note that this list is not exhaustive – the authoritative information is contained in the respective Terms and Conditions.

IMPORTANT NOTE:
In order to ensure that your trip is fully covered, we recommend that you take out the travel insurance policy before booking your trip.

Why do I need travel insurance?

Travel insurance gives you peace of mind and is easy on the wallet!


Are you a keen and frequent traveller? If so, we recommend taking out travel insurance with baloisedirect.ch. Unlike insurance policies from a travel agent, travel insurance from baloisedirect.ch lasts for an entire year.
  • Even if you only travel a couple of times a year, it is still cheaper to take out annual travel insurance than to conclude a separate insurance policy each time you fly or travel.
  • And if you have annual travel insurance, you no longer need to think about insurance cover every time you book a trip. In contrast to insurance policies offered by travel agents, airlines, etc., the terms and conditions of insurance of an annual policy remain the same throughout the year, so you will know which benefits are included and who to contact in the event of a claim.
  • Regardless of whether you book a package holiday, reserve a hotel room, rent a holiday apartment or just book a flight: baloisedirect.ch travel insurance protects your travel investment 365 days a year – irrespective of whether you book via a travel agent or do it yourself online.

Accident / Illness

The following events will be reimbursed by the baloisedirect.ch travel insurance in the case of a no-show (trip cannot be taken), a delayed start to the trip, early return due to a serious illness, a major accident, unexpected aggravation of a medically documented chronic illness or the death of a close relative:


baloisedirect.ch
Household package
baloisedirect.ch
Travel insurance
Event / Which insurance policy? Liability Home
contents
Suppl.
cover
Basic Comfort Top Suppl.
cover
Comments

Trip cannot be taken

Basic: up to CHF 20,000
Top & Comfort: up to CHF 40,000
Delayed start to the trip
Cancellation costs:
Costs covered: cancellation costs owed, incl. processing fee
- Also insured: personal online hotel bookings, natural disasters (e.g. volcanic eruptions)
Event tickets
(concert, theatre, amusement park, etc.)
If booked prior to travel
Hospital stay due to illness Ask your health insurer
Hospital stay due to accident Ask your health insurer
Loss of vital medication Ask your health insurer

 

Car accident

If you often travel by car or are planning to use your car on holiday, we recommend adding the baloisedirect.ch "Breakdown Service SOS" supplementary cover to your travel insurance.

Do you occasionally use a car that belongs to someone else, e.g. a neighbour or a work colleague? In that case we recommend adding the "Driving of other vehicles" supplementary cover to your personal liability insurance. "Occasional use" means a maximum of six times during the past three months.

The "Breakdown Service SOS" supplementary cover is valid in Switzerland and in the EEA.


baloisedirect.ch
Household package
baloisedirect.ch
Travel insurance
What? / Which insurance policy? Liability Home contents Supplementary cover Basic Comfort Top Supplementary cover Comments

Breakdown assistance and recovery service in case of breakdown, accident, collision involving cars, delivery vehicles, caravans, motorcycles or scooters

Breakdown Service SOS
Cost of repairs required for own vehicle as a result of a collision See car insurance >> Fully comprehensive package
Overnight accommodation / meals required during vehicle repair
Onward journey abroad with rental vehicle Rental fee up to a maximum of CHF 1,200
Disposal costs and customs fees
Damage to a third-party (borrowed) car Supplement: Damage to occasionally used motor vehicles
Damage to a third party (victim of accident) resulting from a collision Covered by the car insurance
Damage to own car resulting from a collision Covered by the car insurance
Return of a defective vehicle / trailer / caravan If cannot be repaired on same day
Return travel home / transport ins. person Insured, incl. pets

The "Breakdown Service SOS" supplementary cover insures all vehicles registered with the policyholder. In addition to cars and delivery vans, the cover extends to motor homes, caravans, trailers, motorcycles and scooters that are registered with the policyholder.

 

Theft / burglary / robbery

Regardless of whether your warm coat is stolen while you are enjoying a lovely candlelight dinner, or your handbag is taken while at the airport, or someone breaks into your locked car and takes your laptop bag, theft is always annoying and is often associated with a considerable amount of expense.


Most personal items are covered by the "Simple theft off premises" supplementary option for your home contents insurance policy. And travel insurance provides help with regard to cancelling and ordering new bank and customer cards, as well as identity documents such as passports. Our Comfort and Top packages include all the services provided by the "Card Protection Service".


baloisedirect.ch
Household package
baloisedirect.ch
Travel insurance
What? / Which insurance policy? Liability Home contents Supplementary cover Basic Comfort Top Supplementary cover Comments

Theft of baggage while travelling

Supplementary option: Simple theft off premises
Theft of skis / snowboard Supplementary option: Simple theft off premises plus skis / snowboard
Mobile phone theft:
blocking SIM card and arranging a replacement SIM, the cost of which is also covered.
Supplementary option: Simple theft off premises
Handy-Diebstahl:
Organisation der Sperrung
Supplementary option: Card Protection Service
Theft of house keys:
- Key service (change of locks if required)
Supplementary option: Simple theft off premises
Theft of car keys:
change of locks if required
Supplementary option: Simple theft off premises
Breakage of contents of bag by third party:
- electronic devices & hardware
- cosmetics
- glasses & contact lenses
- jewellery, precious metals, gemstones, pearls
- securities, certificates, objects with value to collectors, software
- cash in event of robbery
By third parties, i.e. covered as consequences of theft
Cash Only in the event of robbery (not simple theft)
Provision of emergency cash loan Up to CHF 2,000.-
(repayable advance)
Theft of (bank) cards, identity documents, subscriptions, etc.:
- Assistance with acquiring replacements
- Cost of new documents
- Cancelling/blocking
Assumption of costs for premature return due to theft / burglary at home address Also applies in the event of damage caused by fire, water or natural hazards
Theft of items from locked car Supplementary option: Simple theft off premises
see also car insurance >> Personal items carried in car
Theft / robbery of jewellery, wrist and pocket watches, incl. cost of repairs if damaged
 

 

Disputes

Our 'Top' travel package includes not only cancellation costs, MediService SOS and the Card Protection Service but also travel legal expenses insurance, thereby ensuring that you are on the safe side even when travelling.

If, for example, as a tenant of a holiday apartment as a pedestrian or as the driver of a vehicle after an accident, you are involved in a dispute (e.g. regarding the amount of a claim for damages, dispute with a hotelier or a vacation property owner, etc.), we will advise you and process the insured legal case on your behalf. In addition, we cover the costs of lawyers, experts, courts and proceedings, the court costs awarded to the other party and advances for bail payments.

IMPORTANT NOTE:
In the event of legal proceedings, Baloise must always first be notified by telephone.


baloisedirect.ch
Household package
baloisedirect.ch
Travel insurance
What? / Which insurance policy? Liability Home contents Supplementary cover Basic Comfort Top Supplementary cover Comments

Assumption of costs in the event of legal disputes

Europe: up to CHF 250,000
Worldwide: up to CHF 50,000
Insured types of legal event: tort law, insurance law, criminal law, administrative law
Insured costs: costs of lawyers, experts, courts and proceedings, procedural expenses and collection of compensation awarded to the insured person.
Advances for bail payments Europe: up to CHF 100,000 per event
Rest of the world: up to CHF 50,000 per event
Legal advice
Free choice of lawyer Always contact Baloise first
 

 

Force majeure

If you are delayed in starting your planned trip or cannot take your trip at all, or if you have to interrupt the trip after arriving, the following events are covered by the baloisedirect.ch travel insurance:

baloisedirect.ch
Household package
baloisedirect.ch
Travel insurance
What? / Which insurance policy? Liability Home
contents

Suppl.
cover

Basic Comfort Top Suppl.
cover
Comments

Delay / failure to arrive of a booked means of public transport

Unroadworthy car / taxi
Disaster / danger at travel destination Insured if advised against by the Department of Foreign Affairs
Strikes and natural hazards Incl. natural disasters
 

 
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