Liability – a hike with an entrusted dog ends in tragedy
Rocco, the dog, went for a hike with an acquaintance and had an accident. The third-party liability insurance of the acquaintance didn’t provide cover because he wasn’t at fault.
Dispute with an insurance company?
The Ombudsman of Private Insurance and of Suva provides an impartial complaint resolution service and answers questions related to insurance law.
Our standardsThe Insurance Ombudsman’s service is
free
We provide free help with insurance complaints.
prompt
We normally handle documented complaints within a few working days.
unbureaucratic
We seek extrajudicial solutions and provide non-binding recommendations.
confidential
We treat all information we receive confidentially. It is only used for the purpose of a mediation process. We do not otherwise disclose, who contacts the Ombudsman Office.
impartial
We investigate fairly and listen to both sides. We form our opinion independently.
clear
We communicate clearly the outcome of our investigation.
OfferWhat can you expect from the Ombudsman Office?
Do you have a dispute with an insurance company? We’re here to help. The impartial Ombudsman Office can advise you and help to resolve conflicts.
Our offerThe Insurance Ombudsman can
investigate complaints about insurance companies that are based on written evidence
clarify procedures / the applicable law / the facts of a case
collect relevant information from the insurer
resolve problems and conflicts (mediation)
provide alternative dispute resolution (ADR) services
The Insurance Ombudsman can’t
offer general insurance advice
offer general legal advice
look into a problem that has been decided by a court, or that concerns a UVG/LAA decision
investigate health insurance matters (basic and supplementary)
look at complaints about social security (AHV/IV/EO / AVS/AI/APG)
Case Studies What the Ombudsman can help with
Partner deceased – partner’s pension denied
After the unexpected death of her partner Ms J applied for a pension. According to the occupational benefits insurer only married couples and people who live in a registered partnership can benefit from a deceased partner’s pension.
Sports accident – insurer declines claim
Accident insurance wouldn’t pay for treatment of a sports injury because health problems were deemed to be an illness rather than an accident.
About usThe Ombudsman and his Team
The Swiss Ombudsman of Private Insurance and of Suva is Martin Lorenzon, Attorney-at-Law. He and his team offer impartial help with your insurance disputes.
We’re here to resolve disputes
