Accidents, illnesses, unemployment through no fault of your own or disability – a lot can happen in life. We, therefore, recommend that you take out insurance for your monthly installments. Avoid unforeseen financial burdens.

You want to be sure that a personal stroke of fate does not become an unpredictable financial burden.

Secure the payment of your installments – in every situation


If you conclude a loan agreement, you can protect your future plans against the unforeseen. Whether cash credit or leasing contract:

The voluntary installment insurance assumes your installment obligations if you become insolvent through no fault of your own. And gives you the reassurance and relief that you need, especially in difficult life situations.


  • Minimum age at the conclusion of the contract 20 years, the maximum age at the end of the contract 60 years
  • The insurance is valid from the day the loan was paid out
  • Not aware of an existing illness or accident
  • No absence from work for more than 20 days due to illness/accident and no hospital stay of more than 10 days in the past 12 months
  • Not aware of an upcoming layoff
  • Permanent employment for at least 6 months with at least 25 hours per week
  • Main residence in Switzerland

frequently asked Questions

frequently asked Questions

How and when can I take out the installment insurance?

It is best to take out the installment insurance together with your loan contract. You can also call us at a later date or visit one of our branches for a non-binding consultation.

Which cases are covered by the installment insurance?

With the installment insurance, you are covered in the event of unemployment, illness, accident or complete incapacity for work which are not your fault.

How do I get the insurance benefits paid out?

In the event of an insured loss, the insurance company pays your installments. This means that the outstanding payment will be transferred directly to the bank in favor of your current loan agreement. The payment is made independently of other insurance benefits.

Do I have to pay back the insurance benefits?

No. The insurance benefits that have been paid to you do not have to be repaid.

What do I have to do in the event of a claim?

You can report your damage directly to the service provider (insurance bank). You will then be informed personally about how to proceed. Please have your contract number ready.

How can I cancel the installment insurance?

How can I cancel the installment insurance?

You can cancel the installment insurance free of charge in writing and by post within 30 days of the start of the insurance. Please send your cancellation directly to the bank. The installment insurance can be canceled 30 days after the start of the insurance with a notice period of at least 30 days at the end of the month. This should also be done by written notice and by post to the above address.

How much does cancellation insurance cost me?

The premium for the installment insurance is calculated based on your monthly financing rate. You pay the insurance premium together with your financing rate.



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