Rental guarantee for a private rental: Frequent asked questions

General questions for a private lease

What is the maximum deposit amount guaranteed by SwissCaution?
The amount of the rental guarantee is not limited. Beyond CHF 30'000.-, please contact our Customer Service on 0848 001 848 or by email at info [at] swisscaution.ch to get an offer.
I already have a bank deposit. Can I release it today?
Yes, you can establish a SwissCaution rental guarantee at any time and in doing so recover the money deposited at your bank.
I’m moving, how do I terminate my guarantee?
The original copy of the rental guarantee addressed to your lessor or your lessor’s representative (real estate agency) must be returned to us in order for us to release your guarantee. Once we receive it you will be automatically released from paying the annual premium of the following year.

If your lessor has any claims against you, and if you agree, SwissCaution will directly pay your lessor the requested amount up to an amount equal to your rental guarantee. You must then reimburse SwissCaution the amount paid to your lessor or your lessor’s representative.

Don’t forget to contact your insurer (RC/household insurance) who could take care of these costs.

To quickly obtain a new rental guarantee for your new lodging, you must complete a new SwissCaution rental guarantee request as it is a new lease contract.

Benefit from our exclusive offer immediately!

If you are already customer and you make a new rental guarantee in 2017, you will receive a Manor gift voucher of CHF 50.- in the month following the date of your new rental guarantee.


To take advantage of this special offer, log on now in your customer space in order to receive your promotional code and enter it in the new online rental guarantee request form. You can also print your loyalty voucher and send it to us by mail with your new rental guarantee registration.
What is the quality of the guarantee from SwissCaution?
SwissCaution is an insurance company regulated by contract insurance law and is, thereby, controlled by the Swiss Financial Market Supervisory Authority (FINMA). This means that SwissCaution is able to offer the same guarantees as a bank.
How long am I tied to my SwissCaution guarantee?
You can terminate your rental guarantee at any time. You just need to provide your lessor with a substitute guarantee of the same amount and the same quality. Your lessor or your lessor’s representative must returned the cancelled original rental guarentee to SwissCaution.
My guarantee ends before the end of the year. Can I get a refund of my annual premium ?
Yes, SwissCaution will refund the amount of your annual premium expired, at pro rata temporis, less the administrative fee of CHF 20.-.

However, pursuant to Article 42 al.3 of the Federal Law on Insurance Contracts (LCA), if the release of your rental deposit occurs during the calendar year following the date of issue of your rental guarentee (ex. : rental guarentee issued on the 01.04.2014 and release of the guarantee by the real estate agency 30.09.2015), the premium for the first year is retained by SwissCaution and no refund is possible unless if you build a new SwissCaution guarantee.

In case where you build a new SwissCaution guarantee, you may request that the amount of your unexpired premium is credited without deduction of administrative fees on your new guarantee folder.

If you meet one of the conditions mentioned above, we thank you in advance of contacting the customer service of SwissCaution at 0848 001 848 from Monday to Friday at 8:00 to 18:00 for transmitting your details and receive a refund of your annual premium that is not expired.
How to benefit a loyalty voucher ?
If you are already customer and you make a new rental guarantee in 2017, you will receive a Manor gift voucher of CHF 50.- in the month following the date of the rental guarantee issued.

Attention: if several tenants are already customers of SwissCaution and subscribe for a new rental guarantee for the same house, only one voucher of CHF 50.- will be sent to the main tenant indicated in the new lease. A loyalty voucher is related to the purpose of the new housing and not the person (not combinable).

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Your rental guarantee amount: CHF 0.–

You pay a registration premium of CHF 231.–* which covers your rental guarantee until 31 December of the current year.

Beginning the following year, the amount of your annual premium will be CHF 283.50*

* Federal stamp 5% included

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For a rental guarantee over CHF 30'000.-, please contact our Customer Service on 0848 001 848 or by e-mail info [at] swisscaution.ch to get an offer.

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Your rental guarantee at die Mobiliar or at the Post

Make your rental guarantee request directly in a Mobiliar agency or in your Swiss post office