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After an event

Household or liability claim: act without losing useful information

Safety comes first. Next come reasonable mitigation, prompt notice and preserving the facts. These steps do not decide liability or insurance cover.

Each source shows its original language. Summaries separate legislation, authority guidance and contract-specific conditions; English Fedlex translations are references and official-language wording controls.

Keep the duties separate

Prompt claim notice

The ICA requires notice when the entitled person knows of the event and the resulting insurance right. The policy may specify form and channel.

Reasonable mitigation

Do what is possible to avoid worsening the loss and, outside an emergency, seek insurer instructions. Personal safety remains the priority.

Information and records

The insurer may request known facts and accessible documents. Answer accurately, separate observation from assumption and retain copies.

A simple chronology

Record time, apparent cause, action taken and contacts.

  1. Secure and alert

    Call emergency services or the competent authority when needed and avoid further danger.

  2. Mitigate without erasing evidence

    Take safe urgent action, photograph if possible and keep replaced parts when safe.

  3. Notify the insurer

    Use the required channel, state facts without speculation and request the file number and instructions.

  4. Keep a claim journal

    Organise inventory, invoices, reports, decisions and follow-up dates.

Do not confuse deadlines and remedies

  • The ICA’s general five-year limitation period does not permit waiting five years to notify the loss.
  • FINMA supervises insurers and reviews indications of irregularity, but does not decide a private dispute or promise payment.
  • A FINMA report or mediation must not be described as automatically pausing a legal or contractual deadline.

Verified official sources

Each source shows its original language. Summaries separate legislation, authority guidance and contract-specific conditions; English Fedlex translations are references and official-language wording controls.

Future cover only

Compare for future insurance needs

A new comparison does not change the policy that applies to a loss that has already happened and does not guarantee payment. It is only for preparing future cover.

This block asks for no personal information.

Household and liability hub

Household contents insurance primarily concerns your belongings. Personal liability addresses certain third-party claims. They are often sold together, but their purpose, limits and exclusions remain separate.

Household and liability hub

Household contents and personal liability: protect the right risk

Household contents insurance primarily concerns your belongings. Personal liability addresses certain third-party claims. They are often sold together, but their purpose, limits and exclusions remain separate.

Read the guide Inventory and sum insured

Inventory and sum insured

Document belongings without presenting an estimate as a guarantee.

Read the guide Tenant damage

Tenant damage

Separate normal wear, a defect and potentially attributable damage.

Read the guide Prepare a claim file

Prepare a claim file

Collect facts and documents without predicting the insurer’s decision.

Read the guide Household and liability guide

Household and liability guide

Review the key concepts before comparing a policy.

Read the guide