General Terms and Conditions of Insurance (GTC)
Campunite Helvetia insurance
1st contractual partner
Contractual partners are n For damage insurance: n Helvetia Schweizerische Versicherungsgesellschaft AG n Dufourstrasse 40 n 9001 St. Gallen
2nd Applicable Law, Contractual Basis
Swiss law applies to this contract. The contract is based on the application, the customer information, the general insurance conditions, if applicable. other special conditions or additional conditions and the policy. Otherwise, the Swiss Federal Act on Insurance Contracts (VVG) applies. If the policyholder resides in the Principality of Liechtenstein, Liechtenstein law shall apply and the provisions of the Liechtenstein Insurance Contract Act shall apply.
3rd Obligations at Conclusion of Contract
The tenant is the applicant according to Art. 6 of the Insurance Contract Act obliges to answer the application questions (eg date of birth) completely and correctly. If the renter or the insured person has answered an incomplete or incorrect question in writing when taking out the insurance, Helvetia is entitled to terminate the rental agreement within four weeks of becoming aware of the breach of notification. If the contract is terminated by such termination, the obligation to perform for damages already incurred, the occurrence or extent of which has been influenced by the incomplete or incorrectly communicated fact, shall also expire. If services have already been provided, these can be reclaimed, and
4th start of insurance cover
The insurance cover begins with the start of the lease.
5th term and termination of the insurance contract
The insurance ends at the latest with termination of the lease.
6th Data Protection
Helvetia processes the personal data of the policyholders discreetly and carefully in order to be able to offer you a tailor-made solution. n Further information is provided below. n a) Holder of the data collection is Helvetia Schweizerische Versicherungsgesellschaft AG, St.Gallen. n b) Data processing means any handling of personal data, regardless of the means and procedures used, in particular the procurement, storage, use, processing, disclosure, archiving or destruction of data. Helvetia processes the data of policyholders discreetly and carefully in compliance with the Swiss Data Protection Act. According to this, data processing is permitted if the Data Protection Act or another legal provision permits it or if the customer has consented to this. n c) Type of data collection The data includes the data communicated to Helvetia by the policyholder and publicly accessible data. Data types include customer data (such as name, address, date of birth), application data including the associated additional questionnaires (such as information provided by the applicant on the insured risk, answers to questions, expert reports, information provided by the prior insurer on the history of the claim), contract data (such as contract duration, insured risks, benefits, data from existing contracts), collection data (such as date and amount of premiums received, outstanding amounts, reminders), damage data (such as damage reports, clarification reports, invoice documents, data relating to injured third parties). n d) Purpose of data collection The processing of personal data is an indispensable prerequisite for the efficient and correct processing of contracts. Helvetia processes the data of policyholders only insofar as this is necessary for contract, damage and benefit processing. In particular, Helvetia reviews the information provided in the rental agreement (risk assessment), manages the contracts after the insurance contract has been concluded (including premium claim) and handles the damages incurred in the event of an insured event. Furthermore, the data can be processed within the insurance group for the purpose of administrative simplification, product optimization and marketing purposes (to provide customers with further product and service offers). n e) Retention of data n The data of the policyholders are kept and archived electronically and/or in paper form (e.g. for example in customer files, contract management, claims filing or claims application systems). The data of the policyholders are protected against unauthorized access and changes. By law, data, insofar as they are business correspondence, must be stored for at least ten years from the termination of the contract (Article 962 OR). n f) Categories of recipients of data collection n If necessary, data will be forwarded to third parties involved, in particular to pre, co-insurers and reinsurers and other private and social insurers involved at home and abroad. Such data transmission can also take place within the corporate group and with cooperation partners. If necessary, Helvetia may obtain relevant information from authorities and other third parties, in particular from the advance insurer regarding the previous course of damage and from the authorities responsible for administrative measures in road traffic. In the event of a claim, the data of the policyholders can be passed on to experts and experts (for example, to consulting doctors or external experts) as well as to lawyers and other auxiliary persons. In order to enforce recourse claims, data may be transmitted to other liable third parties and their liability insurance. n g) Central information systems Helvetia is affiliated to the Car Claims Info, which is managed by SVV Solution AG, to combat insurance abuse. This database stores data on vehicles affected by a claim. This data exchange between the insurers involved can be used to determine whether a registered vehicle damage has already been paid for by another insurance company in the past. The entries in this database are based on regulations known to the Federal Data Protection Officer. Helvetia is still connected to the CLS-Info information system. This database stores the owner and vehicle data of Helvetia customers required by law by the road traffic authorities. The owner of the database is SVV Solution AG.
Your insurance is valid in Switzerland, in the Principality of Liechtenstein, in the states of Europe, as well as in the non-European Mediterranean countries and on the Mediterranean island states. Your insurance is not valid in the Russian Federation, Belarus, Georgia, Armenia, Azerbaijan, Kazakhstan, and Iran. In Kosovo, insurance does not cover liability. n In the case of transport by sea, the insurance cover is not interrupted if the place of departure and destination are within the local scope.
G2.1 Start and end of insurance cover n The insurance cover begins with the start of the lease and ends at the latest with the end of the lease (return).
Unless otherwise agreed, the premium is due and payable directly at the time of booking the rental vehicle.
The exclusions apply in the individual industries liability (H), hull (K), accident (U), assistance (A), interior (I), insofar as designated. n G4.1 Speeding and driving on racing and training tracks (H, K, U, A, I) n Claims from accidents or accidents. from damage caused by participation in races, rallies or similar speed rides, including training rides, as well as other rides on race tracks, circuits and other traffic areas used for motorsport purposes. n G4.2 Journeys without authorisation or authorisation (H, K, U, A, I) n Damage/accidents and liability: 1 from journeys without official authorisation are not insured; n 2 journeys by drivers who do not possess the driving licence required by law or who are travelling without the legal accompaniment; n 3 journeys by drivers carrying persons in contravention of the law; n 4 journeys made by persons using the vehicles entrusted to them without being authorised to do so; n 5 from journeys of persons who have stolen the vehicle (applies to H, U and A); n 6 from trips on public roads, if the proper license plate noted in the policy is not mounted on the vehicle (applies only to K). However, we provide insurance cover to insured persons insofar as these persons prove that these defects could not have been detected even with due attention. n G4.3 Unrest, natural events, requisition, ionisation (H, K, U, A, I) n Damage/accidents are not insured: n 1 in case of internal unrest (violence against persons or property due to rotting, riots, tumult or strike); n 2 by terrorist or warlike events, violations of neutrality, revolution, rebellion and insurrection and the measures taken against them; n 3 by earthquakes, volcanic eruptions and changes in the atomic structure (such as radioactive contamination); n 4 during military or regulatory requisition; 5 by the action of ionizing rays.n n Insurance cover exists in cases 1 - 3, however, only if the holder or. the driver credibly demonstrates that he has taken the reasonable precautions to prevent the damage, or. proves that the damage is not related to these events. n G4.4 Crimes, offences (H, K, U, A, I) n Damages/accidents resulting from intentional committing of crimes or offences or attempting to do so (in particular in the case of misappropriation or unlawful appropriation).
G5. In case of damage
G5.1 Reporting You must report every damage event to us immediately. G5.2 Breach of obligations In the event of a breach of legal or contractual obligations, the compensation will be reduced to the extent that it occurred or the extent of the damage were influenced by this. No reduction will be made if the policyholder can prove that the breach of duty was not his fault or that the damage would have occurred even if the statutory or contractual obligation had been fulfilled. The right to withdraw from the contract for a statutory or contractual reason remains reserved. We also reserve the right to the legal consequences in the event of a breach of the duty of disclosure upon conclusion of the contract in accordance with Art or contractual reasons exist; Inc If we do not make your payment 4 weeks after our request, we will ask you in writing to pay within 14 days of sending our reminder. If you do not heed our reminder, the entire contract expires after these 14 days. You still owe us the corresponding amount. G5.4 Waiver in the event of gross negligence With gross negligence, we waive our statutory right of recourse if the insured event was caused through gross negligence. There is no waiver if the insured person caused the insured event (Art. 31 Para. 2 and Art. 65 Para. 3 Swiss Road Traffic Act, SVG): while intoxicated or unable to drive, i.e. under the influence of narcotics or drugs or did not have the required physical and mental capacity for other reasons (e.g. microsleep); caused by a speeding offense within the meaning of Art. 90 Para. 4 SVG. There is also no waiver if the driver thwarts a measure to determine the driver's inability to drive. In this case, the uninsured portion is at least 20%. G5.5 Elimination of deductible / loss of bonus If an insured event is covered by the lessor's insurance, we compensate both the loss of bonus and the charged deductible from the lessor's motor vehicle liability or comprehensive insurance. Calculation of the loss of bonus: For the calculation, the 5 years following the claim are taken into account, assuming that the bonus is not influenced by further damage during this period and that there are no changes to the premium or the premium level system. To substantiate these claims, a confirmation from the motor vehicle insurer about the additional premium and the deductible must be submitted. If the damage does not lead to a higher premium due to bonus protection insurance, no compensation will be paid under this title. G5.6 Deductible according to the rental agreement For each collision casco event, you will have to pay a deductible of CHF 2,000 if the driver of the vehicle has not yet reached the age of 23 at the time of the event. From the age of 24, the agreed deductible of CHF 500 applies. G5.7 When compensation is due Compensation is due 30 days after we have received the documentation necessary to establish the amount of the damage and our liability. In particular, the due date does not occur if: there are doubts about the claimant's entitlement to receive payment; a police or criminal proceeding is being conducted because of the damage and this has not been completed. G5.8 Statute of limitations and forfeiture The claims arising from this contract become statute-barred two years after the occurrence of the fact that justifies the obligation to perform. Compensation claims rejected in the comprehensive insurance that are not asserted in court within two years of the occurrence of the damaging event are forfeited. G5.9 Damage caused by providing assistance The insurance covers dirt inside the vehicle and damage in and to the insured vehicle that occurs when providing assistance to people and animals who have had an accident.
G6. Jurisdiction, legal bases and addresses
G6.1 Place of jurisdiction Claims can be asserted at our registered office in St. Gallen or at the Swiss or Liechtenstein place of residence or registered office of the beneficiary. A different place of jurisdiction applies for legal expenses insurance. G6. 2 Supplementary legal basis In addition to these insurance conditions, the Swiss Federal Law on Insurance Contracts (VVG) and, with reference to liability insurance, the provisions of road traffic legislation apply. G6.3 Addresses All communications to us can be sent to a branch or mailed to our registered office in St. Gallen. Our communications to you will be validly sent to the last address known to us. It is therefore important that you notify us of any change of address as soon as possible.
H1. Scope of Insurance
All liability claims are to be settled through the motor vehicle liability insurance of the lessor.
H2. Insurance Coverage
H2.1 Elimination of deductible / loss of bonus If an insured event is covered by the lessor's insurance, we compensate both the loss of bonus and the charged deductible from the lessor's motor vehicle liability insurance. Calculation of Loss of bonus: For the calculation, the 5 years following the claim are taken into account, assuming that the bonus is not influenced by further damage during this period and that no changes in the premium or the premium level system occur.A confirmation is required to justify these claims from the motor vehicle insurer about the additional premium and the deductible. If the damage does not lead to a higher premium due to a bonus protection insurance, no compensation will be paid under this title.
H3. Liability Exclusions
The following are not insured: All third-party liability claims and claims arising from damage to the vehicle used and associated parts, to trailers and to towed or pushed vehicles.
Kasko (if insured)
K1. Scope of Insurance
K1.1 vehicle The vehicles entered in the rental contract for which the insurance package from Campunite-Helvetia was taken out are insured.
K2. Insurance Coverage
K2.1 Partial coverage a) Fire The insurance covers involuntary damage as a result of fire, lightning, explosion and short circuit. Damage to electronic devices, components and batteries is only insured if the cause is not is due to an internal defect. Damage to the vehicle during the extinguishing operation is also insured. Fire damage is not insured if the vehicle owner has contractual claims against the seller, supplier or repairer. Scorching damage is not insured unless it is due to a Fire. b) Natural hazards The insurance covers involuntary damage caused directly by natural events such as storms (= wind of at least 75 km/h), hail (damage to the roof of the vehicle is excluded), avalanches, damage caused by direct Snow weighing down on the vehicle (snow pressure), damage caused directly by the vehicle sloping rocks, stones and masses of earth (landslides), floods, floods. The list is final. c) Snowslide The insurance covers involuntary damage caused by snow or ice falling onto the insured vehicle. If branches break off and fall down due to the weight of snow, damage to the insured vehicle caused by the branches and snow is covered. d) Theft The insurance covers loss, destruction or damage caused by theft, misappropriation and robbery of the insured items or an attempt to do so, if this occurred involuntarily. There is no compensation for crimes committed by family members. e) Glass / GlasPLUS In the basic glass cover, involuntary breakage and accidental breakage of windscreen, side, rear and roof windows (the list is exhaustive) that make it necessary to replace the windows for safety reasons are insured . The insurance cover also extends to materials that serve as a substitute for glass. Also insured are sudden breakages of vehicle parts made of glass or materials that serve as a replacement for glass. Damage to the vehicle rear-view mirror is also insured if only the housing has been damaged and it needs to be replaced. Incandescent lamps are also insured if they are destroyed in the event of glass breakage. No compensation will be paid if the replacement or repair is not made or if the cost of replacing the glasses equals or exceeds the current market value of the vehicle. f) Animals Biting and consequential damage to the vehicle by martens and rodents as well as involuntary damage caused by collisions with animals are insured. Damage caused by avoiding an animal is not insured. g) Willful damage The insurance covers the willful or malicious breaking off of antennas, rear-view mirrors, windshield wipers or decorative devices, slashing the tires and pouring harmful substances into the fuel or oil tank. The list is final. h) Aircraft crash Damage caused by crashing and emergency landing aircraft and spacecraft or their parts. K2.2 Collision insurance The insurance covers damage caused by sudden, violent external influences, in particular damage caused by impact, collision, overturning or falling, sinking in and sinking, even if they occur as a result of operational, breakage or wear and tear occurs; furthermore damage caused by willful or malicious acts of third parties. Distortions during tipping or loading and unloading are treated as equivalent to a collision even if there are no external influences. There is no insurance cover for recourse and compensation claims by third parties.
K3. Further exclusions in the hull
K3.1 Business damage Business damage, breakage and wear and tear, in particular broken springs, caused by the vibrations of the vehicle, material fatigue, gradual glass breakage, damage due to inadequate lubrication or oiling, damage due to lack of oil, Damage due to filling with the wrong fuel, freezing or lack of cooling water (except as a result of insured theft), material, manufacturing or construction defects as well as damage caused by the load, as well as damage that exclusively affects the tires (except through punctures) or the battery . K3.2 Loss of use, reduction in value Damage caused by loss of use, lower performance or usability of the vehicle as well as collector's, reduced and added value.
K4. Insurance Benefits
The current value supplement is always insured. K4.1 Total loss a) With current value supplement A total loss exists: if the repair costs in the first two years of operation are 65% of the catalog price and later reach or exceed the current value, or if a lost vehicle is not found within 30 days of receipt of the written damage report by us. Additional current value table Compensation in the event of a total loss is based on the additional current value table Operating year: Operating year additional current value compensation in % of the catalog price in the 1st year: 100% in the 2nd year: 100% in the 3rd year: 90 – 80% in the 4th year: 80 – 70% in the 5th year: 70 – 60% in the 6th year: 60 – 50% in the 7th year: 50 – 40% in the 8th year: current value plus 10% b) Compensation If the calculated compensation is higher than the effective one Purchase price, you will be paid this, but at least the current value en will not be compensated. c) Leftovers The compensation is reduced by the value of the leftovers of the unrepaired vehicle including equipment and accessories. If this is not deducted, the remains become our property. K4.2 Partial damage In the case of partial damage, we reimburse the repair costs, temporary repair costs up to CHF 500.–. We are not obligated to pay for the replacement of parts if they can be properly repaired. If the damaged parts can be replaced with replica or used parts of impeccable quality, we do not have to pay for the costs of new original parts. If, during the repair, individual worn parts are replaced, the entire vehicle is resprayed or other wear and tear defects are remedied, we are entitled to make a deduction from the repair costs corresponding to the added value (new for old). If the repair is not carried out, we will compensate 90% of the damage amount determined (excluding VAT). K4.3 Additional costs We will pay for the recovery, transport and towing costs for the vehicle to the nearest workshop suitable for the work in question or to a location suitable for stationing if the vehicle is lost as a result of a insured event has become unfit to drive. The benefits are limited to a total of CHF 10,000 and do not apply if they were not organized or ordered by Helvetia or the authorities. Compensation is only payable once per insured event and cannot be accumulated. K4.4 Reduction of our services If insufficient maintenance, wear and tear or pre-existing damage have increased the repair costs, caused the total loss sooner or the condition of the vehicle was improved as a result of the repair, the corresponding part of the costs will be borne by you. This proportion is to be determined by experts. If the catalog price including vehicle equipment and accessories was declared too low, compensation will be reduced proportionately in the event of a claim. K4.5 Obligation to take back If a lost vehicle is found within 30 days of receipt of the written damage report, you as the rental company are obliged to take back the repaired vehicle.
K5. Particularities in the case of comprehensive damage
K5.1 Inspection and information You must allow us to examine the damaged items and inspect the damaged vehicle before and after repairs at any time, as well as the information and documents required to determine the damage Otherwise, Helvetia may reduce or omit the benefit. K5.2 Theft damage In the event of theft damage, you must notify the responsible police immediately.If the theft occurs abroad, it must also be reported to the police station at your Swiss place of residence . If the vehicle is found or if something becomes known about its whereabouts, we must be informed immediately. K5.3 Animal damage In the event of a collision with an animal, you or the driver must ensure that the responsible Authorities (police or game warden) record a log of the event or the animal owner confirms the event we only accept damage to the vehicle if there is collision insurance.
Interior Insurance (if insured)
Insured are the vehicles entered in the rental agreement for which interior insurance was taken out.
I2. Insurance Coverage
I2.1 Insured object All components in the interior or passenger compartment as well as in the loading or trunk area of the vehicle listed in the rental agreement are insured. Insured risks: The insurance covers dirt that cannot be permanently removed by commercial cleaning and require professional cleaning by an expert. Damage as a result of sudden destruction or damage caused by third parties or your own actions are also insured. The amount of compensation is a one-time maximum of CHF 2,000 during the rental period. Not Insured risks: In addition to AVB Article G4, there is no insurance cover for: 1 Dirt that can be permanently removed by commercial cleaning 2 Spare parts of all kinds if the damage can be repaired by professional cleaning 3 Bite - and scratching damage caused by animals 4 damage to electronic devices 5 damage in the engine compartment 6 fire and scorching damage 7 damage from normal wear and tear (such as rivets on jeans) 8 damage when driving while the vehicle was used for commercial passenger transport 9 damage covered by contractual or statutory guarantees (e.g. ongoing factory warranty or claims from work contracts, maintenance orders, etc.) 10 operational damage attributable to an internal defect 11 short-circuit damage 12 damage due to overvoltage 13 damage that is insured or is insured by fire and elementary insurance can become
Accident (if insured)
U1. Insured Persons
All occupants are insured, as well as persons who voluntarily and free of charge: provide first aid to the insured occupants at the scene of the accident; help get in and out of the vehicle; on the road with necessary handling of the vehicle assist and suffer an accident yourself. These persons are insured for the same benefits as the renter of the vehicle. Persons who are transported in unauthorized seats are not insured.
U2. Insurance Coverage
U2.1 Scope of insurance cover The insured persons enjoy insurance cover for accidents that they suffer while using the vehicle entered in the rental contract Vehicle and assistance provided on the road. U2.2 Definition of accident Accident is the sudden, unintentional damaging effect of an unusual external factor on the human body, which results in impairment of physical, mental or psychological health or death We also consider the following to be insured accidents: 1 Bodily injuries, provided they are not primarily due to wear and tear or illness: broken bones; dislocations of joints; torn meniscus; torn muscles; torn muscles; torn tendons; ligament lesions; eardrum injuries (Art. 6 para. 2 UVG); 2 injuries caused by involuntary inhalation of n gases or vapours; 3 Poisoning or chemical burns caused by accidental ingestion of toxic or corrosive substances or liquids; 4 Drowning, frostbite, heat stroke, sunstroke, and adverse health effects from ultraviolet rays, excluding sunburn. The list is final.
U3. Insurance BenefitsU3.1 General If an insured person has an accident, we will provide the benefits listed in your rental agreement. U3.2 Circumstances unrelated to the accident If circumstances unrelated to the accident influence the consequences of an insured accident, the benefits are determined proportionately on the basis of medical reports. U3.3 Overcrowded vehicle If there are more people in the vehicle than are permitted according to the vehicle registration document, the benefit in the event of damage to integrity and death is made in proportion to the number of seats to the number of occupants. 2 insured persons under the age of 16 apply years as one person. U3.4 Relationship to liability insurance Our services are not offset against liability and recourse claims, unless the tenant has to pay for them in whole or in part himself.If we provide services instead of a liable third party, the Assured us to assign his claims to the extent of the services rendered. U3.5 Integrity compensation ng («disability capital») If, as a result of the accident, an expected lifelong permanent damage to physical or mental integrity occurs within 5 years of the day of the accident, we will pay integrity compensation. This is determined according to the degree of damage and the agreed sum insured. a) Contractual integrity compensation scale The contractual integrity compensation scale corresponds to that in Annex 3 of the Ordinance on Accident Insurance (UVV). 5% if at least two limbs of a long finger or a limb of the thumb are lost 20% if a thumb is lost 40% if a hand is lost 50% if an arm is lost at the elbow or above it 5% Loss of a big toe 30% Loss of a foot 20% Loss of a kidney 10% Loss of spleen 40% Loss of genitals or reproductive 15% Loss of smell or taste 15% for loss of hearing in one ear 30% for loss of vision on one side 85% for total deafness 100% for total blindness 10% for habitual shoulder dislocation 40% for loss of one leg in the knee joint 50% with loss of a leg above the knee joint 10% with loss of an auricle 30% with loss of the nose 30% with scalping 50% with very severe disfigurement of the face 25% for severe impairment of chewing ability 50% for very severe pain permanent functional impairment of the spine 90% with paraplegia 100% with tetraplegia 80% with very severe impairment of lung function 80% with very severe impairment of kidney function 20% with impairment of partial mental functions such as memory and ability to concentrate 30% for post-traumatic epilepsy with seizures or on long-term medication without seizures 80% for very severe organic speech disorders, very severe motor or psycho-organic syndrome In the event of partial loss or partial disability, a proportionate reduction is made. b) Cases not mentioned If the extent of the damage to integrity cannot be determined according to the above principles, it is determined according to the guidelines for assessing the damage to integrity according to UVG/UVV and the tables drawn up by SUVA for this purpose. c) Maximum compensation The damage to integrity can never be higher than 100% d) Pre-existing physical defects Aggravations of the consequences of the accident as a result of pre-existing physical defects do not entitle you to higher integrity compensation than if the accident had affected a physically intact person. If the part of the body affected by the accident was already lost or unusable in whole or in part before the accident, the existing damage to integrity percentage calculated according to the above principles will be deducted when determining the damage to integrity. e) Determination of the percentage of damage to integrity The determination is made on the basis of the condition of the insured person that is expected to be permanent, but no later than 5 years after the accident. The integrity compensation is due when the insurer determines the integrity damage percentage. f) Determination of the integrity compensation The amount of the integrity compensation is determined as follows: in the case of an integrity damage of up to 25%, a percentage of the insured sum corresponding to the degree of the integrity damage is paid; In the event of damage to the integrity of more than 25%, the compensation increases as a percentage of the agreed sum insured according to the table below:
|Health Damage Percentage
|Health Damage Percentage
|Health Damage Percentage
U4. Special features of an accident event
U4.1 Physician After an accident, a licensed physician must be consulted as soon as possible. U4.2 Confidentiality The attending physician is to be released from the confidentiality obligation towards us. We can request an examination by a doctor chosen by us. U4.3 Autopsy In the event of death, the surviving dependents who are entitled to claim must give us their consent in good time for an autopsy to be carried out by a doctor chosen by us.
Assistance (if insured)
A1. Scope of Insurance
Insured are the vehicle occupants and the vehicles entered in the rental agreement.
A2. Insurance Coverage
A2.1 Assistance If the insured vehicle is unfit to drive as a result of a breakdown, or if there is an insured liability, comprehensive damage or accident event, we will provide the following benefits for the costs incurred solely as a result: a ) Accommodation costs up to a total of CHF 1,500.-. b) Recovery costs for the vehicle and the towed trailer. c) Transport and towing costs to the nearest workshop suitable for the work in question or to a location suitable for stationing. d) Costs of breakdown assistance including spare parts for restoring vehicle readiness at the site of the accident. Only those that are usually carried by breakdown assistance vehicles are considered spare parts (fuel and vehicle batteries are not insured). Considered a breakdown technical defects, damaged tyres, lack of fuel, discharged batteries, locked vehicle keys and loss or damage to them live. e) Freight forwarding costs for spare parts. f) Return costs of the unfit vehicle to the Lessor's place of residence if a repair can only be carried out with major problems (example: procurement of spare parts); if the vehicle cannot be repaired within 24 hours (Switzerland) or within 5 days (abroad) due to an expert report and if the repair costs and return costs are below the current value of the vehicle; If the vehicle is found stolen within 30 days of receipt of the written damage report. g) Customs duties for the vehicle, the towed trailer or vehicle parts. h) Repayable advance on costs up to CHF 2,000.– in the event of extraordinary events abroad (e.g. high repair bills). i) Car ferries, car trains If the connection for the car ferry or car train is missed due to an insured event, Helvetia will pay the following benefits up to a maximum of CHF 1,000.– the additional costs for new tickets for car ferries/car trains; the booked services not used for the stay of the persons traveling with you. j) Other costs up to CHF 500, such as: Costs for necessary telephone calls in connection with your vehicle being unfit to drive or an insured event; Costs of losing vehicle registration cards and vehicle documents; Setting costs (booth fees). k) Restrictions The insurance does not cover material and other repair costs, unless they are mentioned, or costs in connection with service or guarantee work. The benefits for assistance and comprehensive cover are only payable once per insured event and cannot be accumulated. They are limited to a total of CHF 10,000.
Additional General Conditions (AVB) for motor vehicle insurance contracts subject to Liechtenstein law
June 2020 Edition
1. If the policyholder is resident in the Principality of Liechtenstein, Liechtenstein law applies, in particular the provisions of the Liechtenstein Insurance Contract Act (VersVG). The mandatory provisions of this law take precedence over different contractual provisions. This applies in particular to the provisions on: the insurer's duty to provide information (Art. 3 VersVG), the breach of the duty of disclosure (Art. 6 para. 1 VersVG), the reminder period in the event of late payment of the premium (Art. 17 para. 1 VersVG), the Informing the policyholder about a unilateral contract change (Art. 19 Para. 1 VersVG), the divisibility of the premium (Art. 21 VersVG), the increase in risk (Art. 24 ff. VersVG), termination in the event of a claim ( Art. 36 VersVG), the statute of limitations (Art. 38 VersVG), the sale of the insured item (Art. 50 Para. 3 and 4 VersVG). 2. The provision on the place of jurisdiction is deemed to be canceled and will be by following The wording has been replaced: For disputes arising from insurance contracts, any appointment to a foreign court is void if the policyholder lives in the Principality of Liechtenstein or if the insured interest is located there. The place of jurisdiction for legal matters arising from the aforementioned contracts is Vaduz. 3. According to the information in the AVB, the insurer is Helvetia Schweizerische Versicherungsgesellschaft AG, based in St. Gallen, a stock corporation under Swiss law. 4. The competent supervisory authority is the Swiss Financial Market Supervisory Authority (FINMA), Laupenstrasse 27, 3003 Bern. In the event of complaints about the insurer, the policyholder can contact this authority. 5. The following applies in addition to and in some cases deviating from the AVB for motor vehicles: The applicant is bound to the application for two weeks. A deviating agreement in individual cases and the setting of a shorter period by the applicant remain reserved. The period begins when it is handed over or sent to Helvetia Schweizerische Versicherungsgesellschaft AG or its representative (Art. 1 VersVG). Helvetia Schweizerische Versicherungsgesellschaft AG is obliged to provide the applicant with the information specified in Annex 4 to the Liechtenstein Insurance Supervision Act when submitting the insurance application. This information is contained in these additional AVB, in the AVB relevant to the relevant policy, in the relevant application or in the relevant policy or supplemental document. The applicant is hereby informed that they are not bound by their application if Helvetia Schweizerische Versicherungsgesellschaft AG has not complied with their obligation to provide information. After conclusion of the contract, the policyholder can withdraw from the contract if the information specified has not been made available to him. The right of withdrawal expires 4 weeks after receipt of the policy including the present instruction on the right of withdrawal (Art. 3 VersVG). If the owner residing in the Principality of Liechtenstein relocates to a country in the European Union or the European Economic Area, or if he removes foreign license plates for the vehicle there, the liability cover remains in effect, changing the general insurance conditions. Irrespective of the sum insured entered in the policy, the minimum sums insured according to Art. 3 of the Traffic Insurance Ordinance (VVV) apply to vehicles that are registered in the Principality of Liechtenstein for each accident event. The policyholder can request a claims history statement or a no-claims certificate from Helvetia at any time. Helvetia is obliged to comply with such a request within 15 days.