Two areas to document
Private life
Housing, employment, consumer, neighbour, family or digital issues may reveal a need; listing them does not mean a policy includes them.
Traffic and mobility
Drivers, vehicles, purchase, repair, accident or licence issues must match the people, vehicles and territories named in the contract.
Combination and overlap
Compare combined products with protection already linked to motor, home, association or other contracts without adding benefits automatically.
Build a verifiable needs map
The map identifies questions; it does not replace the terms or an insurer’s assessment of a particular event.
List the people
Record the policyholder, partner, children and other household members, then check the contractual definition.
List the situations
Classify private and mobility needs and relevant vehicles or activities without presenting them as insured.
Test limits and overlap
Compare territory, date, limit, deductible, exclusions, prior approval and existing protection.
Protect every deadline
Keep dated documents and replies. A comparison request, complaint, mediation request or FINMA report does not automatically stop a statutory, court or contractual deadline.
Keep the category boundaries
- These categories are comparison questions, not standard market guarantees.
- Buying insurance after a dispute arises does not guarantee retrospective cover.
- Traffic legal protection does not follow merely from owning a vehicle or motor policy.
- The policy and terms prevail over any product label.
Verified Swiss sources
FINMA and Ombudsman guidance is linked in English. The consolidated federal statutes are linked to the official French text; no authoritative English legal translation is asserted here. The law, policy, terms and competent decisions prevail. The Ombudsman is an independent foundation, not a regulator or court.
- Fedlex — Insurance Supervision Ordinance (official French text)Official French legal text · Definition of legal protection, separate disclosure, claims handling and representative choice in the situations laid down by law.↗
- Fedlex — Insurance Supervision Act (official French text)Official French legal text · Supervisory framework for insurers and special safeguards against conflicts of interest in legal-expenses insurance.↗
- Fedlex — Federal Act on Insurance Contracts (official French text)Official French legal text · Consolidated federal law governing pre-contract information and the rights and duties arising from an insurance contract.↗