Swiss Insurance Warning: Unplugging Appliances and the 'Gross Negligence' Clause

GENEVA, Switzerland – A recent video from Swiss insurance expert Dorian Gries highlights a critical aspect of home insurance policies that could leave individuals liable for significant costs in the event of an accidental fire. Gries explains that while civil liability (RC) typically covers damages caused by negligence, a specific clause for "gross negligence" (faute grave) is crucial. According to Gries, if an individual causes a fire due to a clear oversight, such as leaving a hair straightener plugged in and unattended, and their insurance policy does not include coverage for "gross negligence," the insurer could legally reclaim up to 50% of the total damages. This can amount to substantial financial burdens, potentially ruining an individual's financial future. Gries strongly advises all policyholders to meticulously review their insurance contracts to ensure the "gross negligence" module is explicitly included. He also emphasizes the simple yet vital preventative measure of always unplugging appliances after use to mitigate the risk of such incidents.

Maison & Travaux

4 months ago

Si un feu de forêt approche, voici ce que votre assurance ne prendra peut-être …

La sécheresse et les actes malveillants peuvent provoquer des incendies dramatiques. Pouvez-vous avoir recours à votre assurance ?