PostFinance ERV - Your insurance

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Below you will find an overview of the online claim notification forms for reporting your claim and the insurance policy components. To ensure that you can complete and send the claim notification as quickly and accurately as possible, we advise you to have all the documents, receipts and any photos concerning the claim ready.

Report a claim

Report your claim to us easily online. To do so, click on the appropriate field to submit your claim to us. To provide notification of a claim under the deductible guarantee and key protection insurance, please send the completed form and your documents by e-mail to schaden@erv.ch.

Any notification of a claim must be accompanied by proof (credit- / prepaid card statement or e-finance statement). It must be proven that at least 51% of the purchase price / the original service was paid with the card.

Travel accident insurance

Documents

Deductible guarantee

Key protection insurance

What to do in the case of travel legal protection and buyer’s legal protection

1. Notify Coop Rechtsschutz AG by calling the following number +41 62 836 00 00 or by e-mail info@cooprecht.ch

2. Follow the instructions in accordance with the GCI.

Overview of the insurance policy components

Warranty extension

Best price guarantee

Purchase insurance

Travel cancellation

SOS protection

Medical costs

Flight delay

Baggage

Travel accident insurance

Deductible guarantee

Key protection insurance

Travel legal protection

Buyer legal protection

Warranty extension

The insurance provides a warranty of one, two or three years from the end of the manufacturer's warranty, depending on the credit/prepaid card used. The warranty reimburses the costs incurred to repair or replace items in the event of damage that would have been covered by the original manufacturer’s warranty.

Insured items	Newly purchased household appliances (white goods), electronic entertainment equipment (brown goods) and electronic communication equipment (grey goods) with a valid manufacturer's warranty and a minimum value of CHF 50.–.
Area of validity	Worldwide
Insurance cover	Insurance cover is in place if at least 51% of the item was paid for using one of the following credit/prepaid cards.
Mastercard Value – 12-month extended warranty	Max. CHF 500.– per insurance year
Classic/Standard – 12-month extended warranty	Max. CHF 500.– per insurance year
Gold – 24-month extended warranty	Max. CHF 1'000.– per insurance year
Platinum – 36-month extended warranty	Max. CHF 3'000.– per insurance year
Visa Business Card	No insurance cover
Claim notification	To report a claim, please click on the online «Warranty extension» claim form at the top of the page.

Best price guarantee

The insurance reimburses you for the difference between the price originally paid incl. VAT and the price for an identical item offered within 14 days at a lower price. The identical item offered at a lower price must be of the same brand, model, name and/or number and must have been offered for sale by a commercial supplier registered in Switzerland (shop, mail order company, internet-based supplier or website, department store). The minimum difference must be CHF 30.–.

Insured items	Newly purchased, movable items with a minimum value of CHF 50.–.
Area of validity	Switzerland
Insurance cover	Insurance cover is in place if at least 51% of the item was paid for using one of the following credit/prepaid cards. The insurance covers a maximum of five events per year.
Mastercard Value	Max. CHF 2'000.– per insurance year
Classic/Standard	Max. CHF 2'000.– per insurance year
Gold	Max. CHF 2'000.– per insurance year
Platinum	Max. CHF 2'000.– per insurance year
Visa Business Card	No insurance cover
Claim notification	To report a claim, please click on the online «Best price guarantee» claim form at the top of the page.

Purchase insurance

The insurance provides protection against theft, burglary, robbery, destruction and damage for newly purchased, movable items for a period of 30 days from the date of purchase. The insurance reimburses the cost of repairing or replacing the insured item. The insurer shall decide whether the item is to be repaired, replaced by an item of equal value or if compensation is to be paid up to the amount originally paid in accordance with the purchase receipt.

Insured items	Newly purchased, movable items with a minimum value of CHF 50.–.
Area of validity	Worldwide
Insurance cover	Insurance cover is in place if at least 51% of the item was paid for using one of the following credit/prepaid cards. The insurance covers a maximum of five events per year.
Mastercard Value	Max. CHF 500.– per insurance year
Classic/Standard	Max. CHF 500.– per insurance year
Gold	Max. CHF 1'000.– per insurance year
Platinum	Max. CHF 2'000.– per insurance year
Visa Business Card	No insurance cover
Claim notification	To report a claim, please click on the online «Purchase insurance» claim form at the top of the page.

Travel cancellation

The insurance provides cover if the insured person is unable to take up a booked travel service or cannot do so on time due to unforeseen serious illness, serious injury, serious pregnancy complications, death, strikes, unrest, a serious loss event at home, the failure of public transport or the theft of travel documents such as passports/ID. The insurance cover begins when the insurance policy is taken out and ends upon the commencement of the insured trip (check-in, boarding of the booked means of transport, etc.).

Insured benefits	The insurance covers the cancellation costs actually incurred, excluding security and airport charges. In the event of late departure on the trip, the insurance will cover the resulting additional costs.
Area of validity	Worldwide
Insurance cover	Insurance cover is in place if at least 51% of the item was paid for using one of the following credit/prepaid cards. The insurance covers a maximum of five events per year.
Mastercard Value	No insurance cover
Classic/Standard	No insurance cover
Gold	Max. CHF 12'500.– per insurance year
Platinum	Max. CHF 25'000.– per insurance year
Visa Business	No insurance cover
Claim notification	To report a claim, please click on the online «Travel cancellation» claim form at the top of the page.

SOS protection

The insurance provides cover for a maximum of 90 days if the insured person has to curtail, interrupt or extend a booked travel service due to serious illness, serious injury, serious pregnancy complications, death, strikes, unrest, a serious loss event at home, the failure of public transport or the theft of travel documents such as passports/ID.

Insured benefits	The decision as to the necessity, nature and timing of benefits will be taken by ERV's doctors. The insurance covers the costs of any necessary search and rescue operations, transportation to the nearest hospital, local accommodation and subsistence, return transportation to a hospital at the place of residence, an unscheduled return journey, temporary return to the place of residence, additional costs for the continuation of the trip, pro-rated costs of the unused travel arrangement, travel expenses and official formalities.
Area of validity	Worldwide, unless otherwise stated in the GCI
Insurance cover	Insurance cover is in place if at least 51% of the item was paid for using one of the following credit/prepaid cards. The insurance covers a maximum of five events per year.
Mastercard Value	No insurance cover
Classic/Standard	No insurance cover
Gold	Return journey, return transport and repatriation; emergency transport to the hospital: max. CHF 30'000.– / Search and rescue costs: max. CHF 25'000.– / Travel interruption: max. CHF 3'000.– / Additional costs for continuation of trip: max. CHF 1'500.– p.P. or 1'500.– per rental vehicle / The costs of any part of the journey that you are unable to complete: max. CHF 7'500.– / Visiting relatives (max. 2 persons) in hospital abroad: max. CHF 5'000.– / Advance per person on hospitalization costs abroad: max. CHF 5'000.–
Platinum	Return journey, return transport and repatriation; emergency transport to the hospital: max. CHF 60'000.– / Search and rescue costs: max. CHF 50'000.– / Travel interruption: max. CHF 3'000.– / Additional costs for continuation of trip: max. CHF 1'500.– p.P. or 1'500.– per vehicle / The costs of any part of the journey that you are unable to complete: max. CHF 15'000.– / Visiting relatives (max. 2 persons) in hospital abroad: max. CHF 5'000.– / Advance per person on hospitalization costs abroad: max. CHF 5'000.–
Visa Business Card	Return journey, return transport and repatriation; emergency transport to the hospital: max. CHF 50'000.– / Search and rescue costs: max. CHF 25'000.– / Travel interruption: max. CHF 5'000.– / Additional costs for continuation of trip: max. CHF 1'500.– p.P. or 1'500.– per vehicle / The costs of any part of the journey that you are unable to complete: max. CHF 5'000.– / Visiting relatives (max. 2 persons) in hospital abroad: max. CHF 5'000.– / Advance per person on hospitalization costs abroad: max. CHF 5'000.–
Claim notification	To report a claim, please click on the online «SOS protection» claim form at the top of the page.

Medical costs

The insurance provides cover for a 90-day period if the insured person falls ill or suffers an accident during a booked travel service. The insurance is only valid for persons whose legal place of residence or habitual residence is Switzerland.

Insured benefits	The insurance covers the costs of outpatient or inpatient treatment in a general ward of a hospital subsequent to the application of the statutory Swiss social insurance schemes (HIA, AIA) and taking into account any other supplementary insurance cover. The assumption of costs also applies to the hire, replacement or repair of medical aids such as prostheses, glasses and hearing aids as well as necessary rescue and transport costs to the nearest hospital.
Area of validity	Worldwide, outside Switzerland
Insurance cover	Insurance cover is in place if at least 51% of the item was paid for using one of the following credit/prepaid cards.
Mastercard Value	No insurance cover
Classic/Standard	No insurance cover
Gold	No insurance cover
Platinum	Max. CHF 1'000'000.– per insurance year
Visa Business Card	No insurance cover
Claim notification	To report a claim, please click on the link «Medical costs» at the top of the page and complete the online «SOS insurance during the trip» claim form.

Flight delay

If a connection between two flights is missed owing to a delay of at least three hours due solely to the fault of the first airline, ERV will as a supplement to the benefits provided by the airline pay the additional costs (hotel costs, rebooking costs, phone charges) to enable continuation of the journey.

Insured benefits	The insurance covers the hotel costs, rebooking costs and telephone charges actually incurred.
Area of validity	Worldwide, outside the country of residence
Insurance cover	Insurance cover is in place if at least 51% of the item was paid for using one of the following credit/prepaid cards.
Mastercard Value	No insurance cover
Classic/Standard	No insurance cover
Gold	Max. CHF 400.– per insurance year
Platinum	Max. CHF 800.– per insurance year
Visa Business Card	Max. CHF 400.– per insurance year
Claim notification	To report a claim, please click on the link «Flight delay» at the top of the page and complete the online «SOS insurance during the trip» claim form.

Baggage

The insurance cover applies for as long and as often as the insured items are away from the insured person’s permanent home. Luggage theft is also insured.

Insured items	All items which the insured persons take on the trip for personal use are insured. Insurance cover for sports equipment, wheelchairs and buggies applies exclusively during conveyance by public transport, and for as long as these items are in the care of a transport company.
Area of validity	Worldwide
Insurance cover	Insurance cover is in place if at least 51% of the item was paid for using one of the following credit/prepaid cards.
Mastercard Value	No insurance cover
Classic/Standard	No insurance cover
Gold	Max. CHF 300.– p.P. and per trip and 2'000.– per insurance year for delayed delivery of baggage / Max. CHF 2'500.– per trip in the event of theft or loss
Platinum	Max. CHF 500.– p.P. and per trip and 4'000.– per insurance year for late delivery of baggage / Max. CHF 5'000.– per trip in the event of theft or loss
Visa Business Card	Max. CHF 500.– p.P. and per trip and 3'000.– per insurance year for late delivery of baggage / Max. CHF 2'500.– per trip in the event of theft or loss
Claim notification	To report a claim, please click on the online «Baggage» claim form at the top of the page.

Travel accident insurance

The insurance cover applies worldwide during the period of insurance, as long and as often as the insured person is away from their permanent home.

Insured events	In the event of the death of the insured person as a result of an accident, the legal heirs will receive the agreed sum specified in the overview table. The insured person must notify ERV in writing of any deviations to these benefits. In the event of a disability resulting from an insured accident which is medically diagnosed within five years of the accident and assessed to be 100%, the insurance company pays the agreed capital benefit. In the event of partial disability, a corresponding percentage of the capital benefit is paid out.
Area of validity	Worldwide
Insurance cover	Insurance cover is in place if at least 51% of the item was paid for using one of the following credit/prepaid cards.
Mastercard Value	No insurance cover
Classic/Standard	No insurance cover
Gold	Max. CHF 150'000.– per insurance year
Platinum	Max. CHF 300'000.– per insurance year
Visa Business Card	Max. CHF 300'000.– per insurance year
Claim notification	To report a claim, please click on the link «Travel accident insurance» at the top of the page and complete the online «SOS insurance during the trip» claim form.

Deductible guarantee

The insurance provides collision damage waiver insurance for rental cars and covers the vehicle rented by the cardholder.

Insured vehicles	The insurance covers passenger cars, motor homes, campers, motor caravans, camping buses, minibuses or motorcycles.
Area of validity	Worldwide
Insurance cover	Insurance cover is in place if at least 51% of the item was paid for using one of the following credit/prepaid cards.
Mastercard Value	No insurance cover
Classic/Standard	No insurance cover
Gold	Max. CHF 2'000.– per event
Platinum	Max. CHF 5'000.– per event
Visa Business Card	No insurance cover
Claim notification	To report a claim, please click on the «Deductible guarantee» form at the top of the page and complete the PDF claim form.

Key protection insurance

The insurance provides key protection insurance for rental cars and covers the vehicle rented by the cardholder.

Insured events	The costs incurred due to loss of the rental car key are insured. If an insured event occurs, the costs for replacing and/or recoding the rental car key are covered.
Area of validity	Worldwide
Insurance cover	Insurance cover is in place if at least 51% of the item was paid for using one of the following credit/prepaid cards.
Mastercard Value	No insurance cover
Classic/Standard	No insurance cover
Gold	No insurance cover
Platinum	Max. CHF 300.– per key and 1'000.– per rental car
Visa Business Card	No insurance cover
Claim notification	To report a claim, please click on the «Key protection insurance» form at the top of the page and complete the PDF claim form.

Travel legal protection

Legal protection insurance pursuant to the following terms and conditions is provided in cooperation with Coop Rechtsschutz AG. Coop Rechtsschutz AG is the insurance provider and undertakes to provide the insured benefits in accordance with these terms and conditions. These include the costs incurred to engage lawyers and experts, legal proceedings and court costs, legal costs awarded to the other party, the cost of collecting compensation owed to the insured person and bail payments made in order to avoid pre-trial detention. Travel expenses for any necessary court appointments abroad and translation costs are also covered.

Insured events	Events in connection with a trip that the customer has predominantly paid for using the credit/prepaid card are insured. This includes cases where the customer is the driver of a rented motor vehicle or watercraft, a participant in sport, a pedestrian, a cyclist, a moped rider or a passenger on a means of transport, the tenant of a holiday home, a hotel guest, a party to a travel agreement, the victim of a violent crime or the consignor of luggage.
Area of validity	Worldwide
Insurance cover	Insurance cover is in place if at least 51% of the item was paid for using one of the following credit/prepaid cards.
Mastercard Value	No insurance cover
Classic/Standard	No insurance cover
Gold	Max. CHF 150'000.– Europe and 50'000.– worldwide, outside Europe
Platinum	Max. CHF 150'000.– Europe and 50'000.– worldwide, outside Europe
Visa Business Card	No insurance cover
Claim notification	To report a claim, please follow the instructions at the top of the page under «Procedure for travel and buyer legal protection».

Buyer legal protection

Insured legal field	Contractual disputes with the service provider are insured.
Area of validity	Worldwide
Insurance cover	Insurance cover is in place if at least 51% of the item was paid for using one of the following credit/prepaid cards.
Mastercard Value	Max. CHF 25'000.–
Classic/Standard	Max. CHF 25'000.–
Gold	Max. CHF 25'000.–
Platinum	Max. CHF 25'000.–
Visa Business Card	No insurance cover
Claim notification	To report a claim, please follow the instructions at the top of the page under «Procedure for travel and buyer legal protection».

Do you have any further questions? We will be pleased to answer them.

Claims service

ERV

St. Alban-Anlage 26
4002 Basel

+41 58 275 27 27 schaden@erv.ch

Customer service

+41 58 275 27 27

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