Frequent questions about the rental guarantee for a private lease

  • 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 send us these documents quickly, we suggest to scan them to image or pdf format or take a photo of each page of your lease and the pieces of identity with your Smartphone.

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

    The issuing of your rental guarantee can only be done after receiving all of the documents and the payment of your entry fee.

    Online registration process ensures a delivery of your rental guarantee immediately.

  • 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 collect it today?

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

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

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

    Don’t forget to contact your insurer (civil liability/home insurance), who could bear these costs in certain cases.

    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.

  • 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, lessors, 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 lessor 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 lessor. Only your lessor 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 be forfeited to SwissCaution and no reimbursement will be granted 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 that you contact SwissCaution customer service at 0848 001 848 at any time 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 certificate which formally guarantees your lessor 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 Manor voucher for CHF 50.- within one month following the date that your new Certificate is issued.

    Please note: if several lessees 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 lessee indicated in the new lease. A loyalty voucher is linked to the new lodging itself and not to a particular individual (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 lessees registered on the lease is under 26 years old when the SwissCaution rental guarantee is issued, a 10% discount will be deducted from the annual premium and will be applied until the lessee reaches 26 years of age. The flat-rate fee of CHF 231.- must still be paid upon registration.

    Learn more

  • What happens in the event of an accident?

    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 lessor.

    Don’t forget to contact your insurer (civil liability/home insurance), who could bear these costs in certain cases.

    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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