ELVIA Liability insurance

Liability Insurance Online

We help you when you've messed up
Attractive Premiums
Conclude Easily Online
Outstanding Customer Service

Get started, try things out, do whatever you want – and stay completely relaxed in the process. If you accidentally do harm or damage to others in the process, your personal liability insurance will cover the cost. We will also help you if someone makes unjustified claims against you.

  • Peace of mind when riding your bike
  • Damages to rented apartments are covered
  • One policy for everyone living in the same household
  • Dog owner liability included
One contract, one bill: household contents and private liability in one.
With our combined household insurance.
Mishaps can happen in the blink of an eye, and we are not only talking about boisterous children smashing a window pane with a ball. Such incidents do not stop at minor property damage – unfortunately, people can sometimes be injured, too. Whether the damage or harm you cause to others is large or small, ELVIA liability insurance will protect you against the financial consequences.
ELVIA Privathaftpflichtversicherung Missgeschick
ELVIA Privathaftpflichtversicherung Missgeschick
  • Protection in the event of mishaps: enjoy peace of mind when using rented property or property entrusted to you. If a mishap occurs, we will cover the costs
  • Passive legal protection: if someone makes unjustified demands on you in the event of a claim, we will protect you against them
  • Tenant protection: sit back and enjoy life in your rental apartment. We will also meet the cost of justified claims asserted by your landlord
  • Dog damage: enjoy the time you spend with your pet. If it breaks something that belongs to somebody else, we’ll pay for it
  • Flexible deductible: decide for yourself how much of the costs you would like to pay in the event of a claim
  • Sum insured: live your life to the full. ELVIA personal liability insurance covers personal injury and property damage of up to CHF 3 million, or even up to CHF 5 million or CHF 10 million on request
  • Optional: damage to someone else’s vehicle. With us, you can enjoy peace of mind, as we will cover the loss of the no-claims bonus or the loss itself in the event of a claim
  • Optional: Rental car insurance («Mallorca coverage»): enjoy driving a rental car on your holiday. Liability claims are covered

Waiver of reduction in benefits in the event of gross negligence

It can happen faster thank you think. You injure a pedestrian after cycling through a red light or forget to extinguish a candle on leaving your rental apartment. With this supplementary cover, we waive our statutory right to reduce our benefits.

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Hole-in-one insurance for golfers

The ball sails straight into the hole from the tee. Golfers who get a hole-in-one usually buy a round of drinks for everyone in the club house. We will pay for it – to ensure that your golfing dream does not turn into a financial nightmare.

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Yes, provided that you take out a multi-person policy. Then, everyone who lives in the same household will be insured.
Drones weighing up to 500 grams are automatically covered by the personal liability insurance. We cannot insure drones that weigh in excess of 500 grams.
If you are skiing in Italy – for example in South Tyrol – you must have proof of insurance with you. Since 2022, personal liability insurance has been mandatory in Italy for winter sports. Anyone who is found to be skiing without insurance will pay a fine of 100 to 150 euros. Ideally, you should download your policy from your customer portal as a PDF and save it on your smartphone. Or take a photocopy of your policy with you onto the ski slopes.
  1. Enter your details
    To calculate your premium, we need some information about you and the thing you wish to insure.

  2. Select the cover you want
    Choose the precise type of insurance that is right for you, and customise your policy according to your individual needs by selecting the appropriate types of supplementary cover. 

  3. Take out a policy or request a quote
    Take out your policy conveniently online, or arrange for a quote to be sent to you if you still need some time to think.
Whether it’s for feedback, advice or support, you will find our contact information here.
Want to know the exact details? All our documents are available here for you to download, save and read at your leisure.
A loss can happen in the blink of an eye. Thanks to our 24/7 claims service, you can report it quickly, too.

Combined household insurance

Household contents and liability in one: our combined household insurance keeps everything in good order at your home.

Household contents insurance

Our household contents insurance covers your belongings against everything from burglary to flooding, and it’s also easy on your wallet.
There are some great reasons to switch to us. This page explains what you have to bear in mind every time you change insurer.