Don't be blinded by great offers
As always, a lot is promised in advertising. What to think of this is a completely different matter. For example, there is often talk of a combined discount, which offers benefits for taking out combined household and personal liability insurance. Nevertheless, a comparison shows that the premiums for these combination offers are sometimes up to 60 percent higher than for individual insurance policies. However, the insurance benefits are equivalent.
An example: With Smile Direct, home insurance costs 167 francs for a single who wants to insure a value of 80,000 francs. Mobiliar's private liability insurance costs 116 francs. If these insurances are combined, they cost CHF 283. However, if you take out the combined package with Zurich Insurance, you pay a premium of 431 francs, which is significantly more expensive. Even the combination packages that are offered by a very affordable insurance company are more expensive than individual insurance policies in-house.
It's worth taking a closer look
Some insurers advertise with particularly low combined offers and offer, for example, a discount of 10 percent. But this means that the insurance as a combination variant is still significantly more expensive than when the insured person looks for another provider. Even with the same provider, can individual insurance be cheaper than a combination of the two? admittedly necessary? Insurance. Even with shared apartments, the insurance combinations are not cheaper; even with offers for families, these are cheaper to take out individually.
Experts therefore recommend carefully checking the offers in any case and just not necessarily concluding them where discounts are attractive. Even if these seem to be lucrative at first glance and seem to push the premium far down, it is the individual insurance policies that are better to take out and where the most money can be saved.
Tip: The big insurers do not act any differently here and try to dazzle with bait offers. It is certainly easier to run the insurance with one provider and not have to deal with several insurance contracts. In the long run, however, you can save a few francs if you invest in individual insurance instead of combined packages.
Conclusion: It is worth taking a closer look
If you want to save money on insurance, you should definitely take a closer look. Because: The offers are often only intended for advertising purposes and are not really aimed at saving the insured person money. A closer comparison shows in some cases differences of up to 60 percent, which make combination insurance more expensive than individual products. It is undisputed, however, that both household contents and private liability insurance are among the most important types of insurance and must be available in any case. Therefore: it is better to invest a little more time and effort in the comparison before taking out the insurance and save a lot of money for it!
