Frequently asked questions

Here are the answers to your most common questions. If your question is not listed below, you can reach us at 0842 102 102 from 9:00 am to 12:00 pm and from 14:00 pm to 17:00 pm or send us an e-mail.

What is the deadline for receiving the guarantee certificate?

Your file will be processed immediately. As soon as we receive your application for a guarantee and proof of payment, we draw up your certificate and send it to you by priority mail. Normally, you receive your certificate the next day.

What will be the amount of your contribution?

The first year, the amount of the contribution is calculated according to your moving date. The amount is between 25 CHF.- and 120 CHF.- This contribution covers the tenant until December 31 of the current year. Each subsequent year, the tenant will need to pay an annual subscription (due for the whole year) fixed at 25 CHF.- + 5% of the sum covered. This contribution must be paid in advance, before 1 January of the year concerned.

What happens if I move from my home?

When you move, you must ensure that the agency returns the completed and signed deposit certificate to release the guarantee. You can also take out a new guarantee with SmartCaution for your future residence. If your landlord has claims against you and you are unable to pay the sum requested, Generali may advance the amount due, which you will then have to repay in full. As such, remember to contact your liability insurer who could take care of the damages.

Uh oh! I have already locked in my rental guarantee with a bank ...

You can recover your cash at any time by subscribing the SmartCaution rental guarantee.

Can I cancel my guarantee?

You can cancel your guarantee at any time and without charge. You just need to provide an equivalent guarantee to your landlord.

Who is the insurer?

Generali is the insurer under a collective surety insurance contract.

Is the SmartCaution guarantee accepted by all the agencies?

SmartCaution issues guarantees only to partner agencies. If your company does not yet work with SmartCaution, contact us on 0842 102 102. We will get in touch immediately.

What are the risks covered by the insurance and what is the scope of the insurance benefits?

Generali responds as a single guarantor of all justified claims based on the lease contract (for residential premises) as designated in the deposit certificate. The benefit is limited to the amount of security indicated in the certificate.

What happens if Generali pays all or part of the sum covered?

The tenant (the insured) has the obligation to reimburse the amounts paid and to pay the expenses and interests in addition.

What are the obligations of the insured?

The tenant (the insured) is required to do everything in his or her power to avoid the landlord (the agency) being obliged to ask for the payment of the rental guarantee.

Who is the policyholder and who is the insured?

SmartCaution SA is the policyholder, the tenants are the insured and the landlords are the beneficiaries of the guarantee.

When does policy begin and end?

The beginning of the policy begins on the date indicated on the guarantee certificate. The end of the policy occurs according to the conditions defined in art. 10 of the General Conditions of Insurance.

How are personal data processed?

Generali and SmartCaution process the data from the contract documents or the contract process and uses them to calculate the premium, to define the risk, to handle the cases that are entitled to benefits, to for statistical purposes. Both SmartCaution and Generali are authorized to transmit tenant data to third parties, such as co-insurers, reinsurers, authorities or third-party companies. This authorization is valid regardless of the conclusion of the contract. The bond application contains a clause whereby the lessee authorizes SmartCaution and Generali to process the data required for the examination and management of the contract. SmartCaution SA and Generali guarantee the confidentiality of the received information.

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