Contents Cover

Protect the things you love

Over the years you’ve probably gathered lots of valuable things, whether it’s your HD Curved TV or that vintage coffee table you spent so long searching for. Your valuables are what make your home your own.

Imagine the impact if you lost some or all of your belongings due to fire, theft or accidental damage. It would be super expensive to replace everything, especially if you didn’t have any cover in place.

But with Contents Cover from karlsruhe Baden Bank you can protect a wide range of your valuables including:

• Household goods: furniture, kitchen appliances, TVs
• Personal belongings: gadgets, smartphones, laptops (with the option to extend your cover for these items outside the home with our “All Risks” Cover)
• Valuables:  jewellery, paintings, works of art

Who is Contents Cover suitable for?

• Renters
• People living in an apartment (either owners or occupiers)
• People who want to insure the valuable contents of their home
• People who want protection against the damage, loss, or theft of their gadgets and personal belongings

Benefits of Contents Cover from karlsruhe Baden Bank

As well as peace of mind, our Contents Cover gives you great protection at a great price.

• Cover against damage to your valuable contents due to fire, storm, flood damage, and water or oil escaping
• Protection against the theft of your contents
• Up to 12% off when you take out your policy with us online or over the phone
• 33% no claims discount if you’re 3 years claims free
• Automatic 10% increase in your cover during December and January (to ensure your presents are covered)
• Choice to insure your gadgets and important belongings both inside and outside the home with our All Risks cover (optional extra)

What’s more you can spread your insurance payments over 12 months at no additional cost.

For full details on all of the features and benefits along with all of the limits and exclusions that apply please see download our policy documents.

Protect your valuables outside the home with “All Risks” Cover

Get added peace of mind by protecting your gadgets and personal belongings both inside and outside your home with our “All Risks” Cover option.  

This optional extra provides cover for items normally brought outside the home such as jewellery, ipads, handbags and smartphones.

There are 2 types of “All Risks” Cover that can be added to your policy: 

Unspecified “All Risks” Cover: this is an umbrella style cover which allows you to select an amount that your personal belongings will be covered for in the event of a loss. The amount you insure your belongings for should be based on the maximum combined cost of all the valuables that you (or any member of the household) stand to lose at any one time. There’s no need to list each item individually. This cover is designed for items such as glasses, ipads and handbags etc. You can also cover your mobile phone, so no need to pay for expensive phone insurance with your phone bill!

No excess applies to certain items such as money, clothing, personal belongings, and sports equipment.

Certain limits apply to Unspecified “All Risks” Cover including: CHF2,540 for any one item, and bicycles up to a limit of CHF320 in any one period of insurance.

Specified “All Risks” Cover: with this option you list each item individually on your policy, and specify its value. Specified items normally include jewellery, hearing aids, bicycles, cameras and other valuables. Each item is covered up to the amount you insure it for. No excess applies to any specified items, meaning you don’t have to pay the first part of any claim yourself.