Frequently asked questions about the rental guarantee for a private lease

  • Free 2019 premium

    If your private lease starts in 2019 and you sign up for your rental guarantee before 31 December 2018, the fixed registration premium of CHF 231.- payable upon registration will cover your guarantee until 31 December 2019.

  • How to receive your rental guarantee immediately

    Throughout the process of requesting a rental guarantee, you can upload the copy of your lease or proposed lease directly online.

    To save time, scan (image or pdf format) or take a photo of each page of your lease and official identity documents with your smartphone.

    If you do not have the possibility to upload these documents, please send them by email or postal mail following your online registration request.

    The issuance of your rental guarantee can only be done after receiving all required documents and the payment of your fixed registration premium.

    The online registration process ensures an immediate delivery of your rental guarantee.

  • No hidden costs

    As of September 1st 2018, SwissCaution will apply new conditions concerning administrative fees for rental guarantees:

    Removal of mutation fees (CHF 50.-) for all modifications made to a certificate after its emission.

    Removal of cancellation fees (CHF 50.-) for certificates upon the release of a rental guarantee.

    For any further queries, please do not hesitate to contact our Customer Service by phone at 0848 001 848 or by email at info@swisscaution.ch.

  • What is the maximum amount for a rental guarantee that SwissCaution provides?

    There is no maximum amount.

  • I already have a bank deposit. Can I reclaim it today?

    Yes, you can sign up for a SwissCaution rental guarantee at any time and reclaim the money deposited at your bank. We recommend that you request approval from your landlord or real estate agency beforehand.

  • I am moving, how can I cancel my SwissCaution rental guarantee?

    Ask your landlord or his/her representative (real estate agency) to return the signed original document of the SwissCaution rental guarantee. As soon as your landlord or real estate agency has requested the release of your SwissCaution rental guarantee, you will be automatically released from paying the annual premium the following year.

    If your landlord has claims against you (for example, damages or unpaid rent) and if you give your consent, SwissCaution will directly pay the amount claimed up to the maximum amount of your rental guarantee. You will then have to reimburse SwissCaution the amount that was paid to your landlord.

    Do not forget to contact your insurer (civil liability/home insurance) to check if those costs could possibly be covered.

    To quickly receive a new rental guarantee for your new housing, you will need to register for a new SwissCaution rental guarantee considering a new lease is involved.

  • Is a rental guarantee issued by SwissCaution equivalent to a rental guarantee from a bank?

    SwissCaution offers the same guarantees as a bank. SwissCaution is an insurance company subject to laws on insurance contracts and, consequently, to the supervision of the Swiss Financial Market Supervisory Authority (FINMA). SwissCaution offers clients, landlord, and real estate agencies the highest quality of service and the best security for a rental guarantee without bank deposit.

  • For how long am I bound to my SwissCaution rental guarantee?

    The rental guarantee takes effect the date that the rental guarantee is issued and is valid until the landlord has released the SwissCaution rental guarantee.

    You can cancel your rental guarantee at any moment without notice. All you need to do is to provide an equivalent rental guarantee that is accepted by your landlord. Only your landlord or his/her representative can release your rental guarantee by returning the original, signed rental guarantee to SwissCaution.

  • My rental guarantee ends before the end of the year. Can I have a reimbursement for the amount of my annual premium?

    Yes, SwissCaution will reimburse you the amount of your annual premium prior to its expiring proportionate to the amount of time elapsed minus an administrative fee of CHF 20.-.

    However, in accordance with article 42, paragraph 3 of the Federal Insurance Contract Act (LCA), if the release of your rental guarantee occurs during the calendar year which follows the issuance date of your rental guarantee (for example, the rental guarantee is issued on 04/01/2014 and is released by the real estate agency on 09/30/2015) the premium for the first year will become non-reimbursable unless you register for a new rental guarantee with SwissCaution.

    In the event that you sign up for a new SwissCaution rental guarantee, you can request that the amount of your unexpired premium be credited without a deduction of the administrative costs on your new rental guarantee file.

    If you fulfill one of the conditions mentioned above, we kindly ask you to contact SwissCaution customer service at 0848 001 848 between 8am and 6pm from Monday to Friday in order to provide us with the details and receive the reimbursement for your annual unexpired premium.

  • Can I request a confirmation of a SwissCaution rental guarantee prior to receiving it?

    If you are searching for accommodation and you have not yet received your lease, SwissCaution can provide you with a provisional certificate that formally guarantees your landlord of the delivery of your future SwissCaution rental guarantee. Thanks to this free document, you benefit from a considerable advantage in your search for accommodation.

  • What are the eligibility requirements for a SwissCaution rental guarantee?

    • having a good credit rating
    • being at least 18 years of age
    • your accommodation must be in Switzerland
    • for foreigners, be in possession of a “B,” “B refugee”, “C,” or “F” residence permit.
    • A residential lease with a minimum duration of three months.
  • How can I benefit from a loyalty reward?

    If you are already a customer and sign up for a new rental guarantee for your next move, you will receive a CHF 50.- Manor voucher within one month following the date that your new Certificate is issued.

    Please note: if several tenants are already SwissCaution clients and register for a new guarantee for the same dwelling, only one voucher for CHF 50.- will be sent to the primary tenant indicated in the new lease. A loyalty voucher is linked to the new housing and not to a specific person (it is not cumulative).

    Learn more about Club Privileges

  • I'm under 26 years old, do I qualify for preferential conditions?

    Yes, if one of the tenants registered on the lease is under 26 years old at the time of the SwissCaution rental guarantee issuance, a 35% discount will be granted on the annual premium (CHF 150.- instead of CHF 231.-). In addition to that, a 10% discount will be deducted from the annual premium in subsequent years until the tenant reaches his 26 years of age. The fixed registration premium must be paid upon registration.

    Learn more

  • What happens in the event of a claim?

    In the event of an accident, if your landlord has claims against you (for example, damages or unpaid rent) and if you give your consent, SwissCaution will directly pay the amount claimed up to the maximum amount of your rental guarantee. You will then have to reimburse SwissCaution the amount that was paid to your landlord.

    Do not forget to contact your insurer (civil liability/home insurance) to check if those costs could possibly be covered.

    To quickly receive a new rental guarantee for your new lodging – assuming that a new lease is involved – complete a new SwissCaution rental guarantee application.

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Residential lease

CALCULATE YOUR PREMIUM

Enter your rental guarantee amount
CHF

Your rental guarantee for a private lease.

For all rental guarantees over CHF 50,000.-, please contact our Client Service on 0848 001 848 or by e-mail at info@swisscaution.ch.

Your guarantee deposit
CHF 0.-

Fixed registration premium
CHF 0.00 -35%

The following years
CHF 0.00 -10%


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Our advisors are available for all of your questions:

0848 001 848

info@swisscaution.ch

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