Insurance information - Baloise insurance

Baloise insurance includes the following cover for rented vehicles: liability and comprehensive cover. In case of a caravan, the liability insurance is to be covered by the policy for the towing vehicle. Interior insurance is compulsory for some vehicles (the owner can decide this) and breakdown assistance is already included in the owner's insurance for the vehicle. As a renter, you can add to the insurance cover for the rented vehicle as needed, e.g. cancellation cost insurance and baggage insurance.

Deductible and liability per claim: CHF 2000.-

You can reduce your contributions to costs (deductible) from CHF 2000 to CHF 200 per claim directly in the booking process.

• Third party liability: Covers damage caused by you as a renter to another vehicle or property. The insurance applies as a supplement to the existing obligatory motor vehicle liability insurance. In the case of caravans, liability insurance is covered by the towing vehicle.
• Comprehensive insurance: Covers damage caused by collision, fire damage, natural forces, snow slide, theft, animals, glass, vandalism (e.g. hail, falling snow, theft, collision with animals, broken glass) without interior space and without damage due to operating errors.

You can find the General Insurance Conditions (GIC) with the cover and exclusions (e.g. operating errors, operational damage, damage to tyres) here.

The Baloise insurance is valid in Europe and in the countries bordering the Mediterranean, excluding Kosovo, the Russian Federation, Georgia, Armenia, Azerbaijan and Kazakhstan. In the case of transport by sea, the insurance cover is not interrupted if the place of departure and destination are within this area.

Report the damage to Baloise either by telephone (0800 24 80 11 and +41 58 285 28 28 in case of connection problems abroad) or via online damage report (link according to the booking details) as soon as you are back from your camping holiday (except in case of liability damage and damage that prevents you from continuing your journey).

The following documents are required by Baloise in the event of a claim:

• Rental contract (including handover protocol and, if available, confirmation of the vehicle value)
• Copy of the vehicle registration document
• Driving license from the handlebar
• European accident protocol (a must for liability claims)

Inform the owner of the Baloise's claim number. Once the damage has been reported, the owner will take care of repairing the damage. The owner will retain your deposit and contact you after the damage has been repaired to refund the difference, if any.

Baloise breakdown assistance covers costs in the event of a traffic accident, breakdown, vandalism or theft within Europe.

The following services are insured (non-exhaustive list):

• On-site breakdown service and towing - actual costs
• Standing fees (parking costs) up to CHF 250
• Recovery of the camper up to CHF 5000
• Forwarding of spare parts, if these cannot be procured on site
• Return journey of the traveling company to their place of residence in Switzerland or onward journey to the original destination if the vehicle is not repaired on the same day can be. The costs are covered up to a maximum of CHF 1000 per case for the journey home or onward by public transport or for a maximum of 5 days and 500 CHF per case for a rental vehicle of the same category as the insured vehicle.
• Overnight stay, provided that the journey home or onward journey on the same day is no longer is possible or the repair is not possible within 5 days, up to 150 CHF per passenger and night, in total a maximum of 1200 CHF per case.
• Return transport of the unroadworthy vehicle to the owner's usual garage if it cannot be repaired within 24 hours (Switzerland) or within 5 days (abroad).
• Organisational service around the incident such as ordering a taxi, organising a rental car or return flight

The full-service package can be viewed in the terms and conditions of insurance.

Please contact the emergency helpline on +41 848 801 803 (24 h Service). Please have the following documents to hand:

• Copy of the rental contract
• Policy number (is the same as MyCamper’s booking number). You can find the booking number in the rental contract
• Original report of the incident (police report, accident report)
• Original bills and receipts
• Payment details

Vehicle interior insurance covers damage as a result of sudden destruction – due to external or personal influence – of components in the interior or passenger compartment and in the storage or boot compartment, of the furniture in the living compartment including windows and blinds, of the electrical equipment in the living compartment (e.g. refrigerator, boiler, TV), of the complete gas system and of the drinking and wastewater system of the vehicle specified in the rental contract (without damage due to operating errors). If the rental is of a vehicle with a roof tent or only a roof tent, this insurance also covers damage to the interior of the roof tent.

Deductible for interior insurance per claim: CHF 200

When booking via MyCamper, renters can add cancellation insurance. This applies to events before the start of the trip.

The following events are insured if you, as a tenant, are unable to commence your booked journey, provided that they occur after the booking has been completed (non-exhaustive list)

• Serious illness, serious accident, unemployment or death a person travelling with him, the pet of the tenant or a person travelling with him.
• Strike (subject to active participation) on the planned itinerary abroad, riots of any kind, quarantine, elementary events at the travel destination, if these specifically endanger the life and property of the insured person.
• Serious damage to the property of the insured person at his place of residence as a result of fire, natural disasters, theft or water damage, so that his presence at home is essential.
• Failure or delay - both as a result of a technical defect or personal accident - of the public transport to be used to the place where the rented vehicle is picked up.

All insured events and details can be found in the Conditions of the Baloise.

The owner must be informed immediately about the trip not taking place. The cancellation of the trip is done via the platform (go to the booking details and cancel the booking at the top right). Baloise Insurance can be informed online or via phone under +800 24 80 11 or +41 58 285 28 28 about the cancellation. The renter will need the contact information, the number of the insurance contract (the renter received it with their booking confirmation) and a detailed doctor's certificate, a certificate of death or another official certificate.

After Baloise Insurance has checked the documents, the renter will be refunded the costs minus the price for the cancellation insurance.

No deductible.

The cancellation costs insurance is limited to the camper rental concluded via MyCamper.

In the event of cancellation, Baloise must be informed immediately. A cancellation is reported to Baloise either by telephone (0800 24 801 1 and +41 58 285 28 28 in case of connection difficulties abroad) or via online claim notification (link as per confirmation email of the camper rental). You have to report the cancellation case immediately to MyCamper and to the owner.

The following documents must be submitted to Baloise:

• Rental contract and invoices of the rental
• Medical certificate, death certificate or other official certificate
• Bank details

Sum insured of up to CHF 5'000: deductible of CHF 50

Baggage insurance offers additional coverage to that provided by home contents insurance. At home, you are adequately insured against simple theft. Once you take your favourite items with you when you travel, such as an e-bike or bicycle, an expensive camera or golfing equipment, the level of insurance coverage provided by home contents insurance is often insufficient.