Water, fire, storms, burglaries - Mr. and Mrs. Schweizer have always insured their possessions against such risks. However, digitisation creates completely new threats: viruses destroy data, the misuse of credit/debit cards and data or cyber mobbing causing legal problems. All this results in material or personal damages, which are often not covered by insurance policies. These gaps can be closed with through new insurance products.
Cyber and IT Assistance insurance policies
If a PC or USB stick is unexpectedly broken, the user will no longer be able to access his/her holiday photos or important documents. Specialists can often salvage them – but at a cost. If third parties misuse credit cards to make Internet payments, if the identity of a customer account is stolen or if there is a legal dispute, this is often difficult and extremely costly to prove. Because the Internet is characterised by anonymity and offers criminals plenty of loopholes, Generali Switzerland is offering protection against the consequential financial damages against such events with a new cyber insurance policy. It also offers an IT Assistance solution with a Callcenter offering advice on the everyday use of hardware and software.
Legal protection for homeowners in criminal law dealings
Many a homeowner fears the legal consequences of an accident on his/her property. Who is to blame, for example, if the garage door is defective and a cyclist injures his/her head on it? In such cases, Generali Switzerland now offers the solution within their basic insurance plan. The legal protection insurance for homeowners covers the financial damages in proceedings for physical injury resulting from negligence or damage to property.
An insurance policy that is as individual as the home
Just as people are individual, so are their homes. That is why Generali's contents insurance can be extended individually with integrated legal protection cover. This flexible modular system provides tailored insurance solutions for a typical family with pets, bicycles and garden or for trendy individualists with drones, kite-surfers or go-kart racing drivers.