(2025) What is NOT covered?

Claims arising from damage caused intentionally are generally not covered. The same applies to risks associated with a business, profession, service, office (including voluntary work), a responsible activity in associations of any kind, or an unusual or dangerous occupation. Private liability does not extend to builders, homeowners, or landowners.

Also excluded from liability cover are sports such as cycling, horse or carriage racing, boxing, or wrestling. Liability does not cover damage caused by the use of motor vehicles, own sailing boats, own or third-party motorboats, and aircraft.

Damage to items borrowed, rented, leased, or stolen by the insured is also not covered. The same applies to fines and penalties, hunting accidents, and glass damage. The insurance does not cover wear and tear.

Claims from co-insured persons and relatives from the same household are also excluded, as is the coverage of damage caused as a favour. An example of damage caused as a favour is if you help a friend move and drop their Ming vase.

For some of the uninsured risks, there are special insurance policies:

• Builders' liability insurance
• Construction performance liability insurance
• Professional liability insurance
• Business liability insurance
• Water damage liability insurance
• Home and landowners' liability insurance
• Hunting liability insurance
• Motor vehicle liability insurance
• Aviation liability insurance
• Pet owners' liability insurance
• Club liability insurance
• Water sports liability insurance