INSURANCE FOR HIRERS
All-round insurance with Baloise.
Nothing should stand in the way of your adventure, that's why all vehicles on myOldtimer are insured accordingly. They are either covered by our myOldtimer-Baloise insurance solution or by the insurance provided by the rental company. You can find out how the vehicle is insured from the vehicle profile on myOldtimer. The insurance cover will automatically come into effect as soon as you start your trip.
Summary of the key points
- You can find out what insurance cover the vehicle has in the vehicle profile on myOldtimer. The insurance cover comes into effect automatically as soon as your journey begins.
- The vehicle will have liability and comprehensive insurance cover in any case, either through myOldtimer-Baloise insurance or through the lessor’s own vehicle insurance policy.
- myOldtimer-Baloise insurance always covers the premium increase and the deductible for the lessor in the event of a claim. This means you will only pay your deductible, as indicated for the rental vehicle.
- You can reduce your contributions to costs (deductible) from CHF 1000 to CHF 200 per claim directly in the booking process.
- The lessor may stipulate that vehicle interior insurance be taken out, either that or the lessor will leave it to you to add this to your booking. This covers any damage to the interior.
- Breakdown assistance, in the event that the vehicle will not start or if it has been damaged, may be covered by the lessor. In this case the lessor will inform you of what to do in the event of an emergency upon handover of the vehicle. If not, you can add breakdown assistance during the booking process; this means you will then be covered by myOldtimer-Baloise insurance.
- You may also take out additional optional insurance coverage such as cancellation insurance in case you cannot go on your trip, and luggage insurance in case you would like to insure bicycles and other valuable items.
Liability and comprehensive insurance
Coverage if the vehicle is insured by myOldtimer-Baloise insurance
The myOldtimer-Baloise insurance solution includes the following cover for rented vehicles: liability and part or fully comprehensive cover. In the 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 lessor can decide this) and breakdown assistance is already included in the lessor’s insurance for the vehicle. As a renter, you can add to the insurance cover for the rented vehicle as needed, e.g. cancellation insurance and baggage insurance. You can find the General Terms and Conditions of Insurance (GTC) here.
- Third party liability: Covers damage caused by you as a renter to another vehicle or property
- Comprehensive insurance: covers damage caused by collision, fire damage, natural forces, snow slide, theft, animals, glass, vandalism and assistance (e.g. hail, falling snow, theft, collision with animals, glass breakage) and collision and fire damage to the vehicle caused by the renter, without interior space (e.g. collapse, impact, tipping over, lightning, fire, sinking in and out).
Deductible
Area of applicability
The myOldtimer-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.
In case of breakdown
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 trip (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
- Driver's license from the handlebar
- European accident protocol (a must for liability claims)
Inform the lessor of Baloise's claim number. Once the damage has been reported, the lessor will take care of repairing the damage. The lessor will retain your deposit and contact you after the damage has been repaired to refund the difference, if any.
Coverage if the vehicle is covered by the lessor’s insurance
Coverage
The vehicle profile on myOldtimer tells you what insurance cover the vehicle has. Vehicles which are insured via the lessor’s insurance are covered as rental vehicles. In case of non motorised vehicles, the liability is covered via the towing vehicle.
Area of applicability
As a rule, Europe and countries bordering the Mediterranean. For details, please see the general terms and conditions of insurance of the lessor’s policy.
In case of a claim
When contacting the insurance company, it is best to have the rental contract and handover report to hand. Here, you can find the details of the lessor and vehicle. Should this concern an accident involving a third party, please also have the European accident report to hand.
Inform the lessor of the insurance claim number. The lessor will have the repairs carried out once the damage has been reported. The lessor will retain the deposit and get in touch with you once the damage has been corrected and reimburse you the difference, should any funds remain. In the event of a claim, the premium for the vehicle will increase for the lessor and the lessor will have to pay a deductible to their insurance company. The waiver of deductible/bonus protection module means that Baloise will cover these costs for the lessor.
Breakdown assistance
Breakdown assistance with myOldtimer-Baloise insurance
If the vehicle rental does not already include breakdown assistance or if your own insurance excludes rental vehicles, you can take out Europe-wide breakdown assistance cover with Baloise.
Coverage
Baloise roadside 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 vehicle up to CHF 5000
- Forwarding of spare parts, if these cannot be procured on site
- Return journey of all inmates 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 lessor'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 General terms and conditions of insurance.
Area of applicability
The myOldtimer-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.
In case of a breakdown
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 myOldtimer'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
Breakdown assistance via the vehicle lessor
Should roadside assistance already be covered in the lessor’s insurance, he or she will provide you with the necessary documents directly.
Coverage
The scope of cover varies from insurance policy to insurance policy.
Area of applicability
As a rule, Europe and countries bordering the Mediterranean. For details, please see the general terms and conditions of insurance of the lessor’s roadside assistance policy.
In case of a breakdown
Please contact the emergency helpline of the respective insurance company. You will receive the telephone number and the roadside assistance insurance policy from the lessor. Please have the following documents to hand:
- Copy of the rental contract with information concerning the lessor and vehicle
- Policy number (you will receive this from the lessor)
- Original report of the incident (police report, accident report)
- Original bills and receipts
Optional insurance
During the booking process you will be asked whether you would like to take out optional cancellation insurance or luggage insurance. In the case of the interior insurance, the renter may stipulate that you must take out this insurance. If they do not specify it as mandatory, you have the choice and can add it optionally in the booking process.
Cancellation costs insurance
Coverage
The vehicle rental costs are insured if the trip is cancelled 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.
Area of applicability
The cancellation insurance is limited to the vehicle rent concluded via myOldtimer.
In case of a cancellation
In the event of cancellation, Baloise must be informed immediately. Any damage will be reported to Baloise either by telephone (0800 24 801 1 and +41 58 285 28 28 if there are connection problems abroad) or via online damage report (link in the confirmation e-mail of the vehicle rental). You should also report the cancellation to myOldtimer and the rental company immediately.
- The following documents, among others, must be submitted to Baloise.
- Rental agreement and invoices for the cancellation costs
- Detailed medical certificate, certificate of death or other official attestation
- Payment details