Earn 100 francs for every rainy day during your holidays – that’s possible with Baloise’s new “fair weather insurance”. But is it worth it?
During sports week in February the weather often seems to be bad. You can get new insurance against this. – keystone
the essentials in brief
- With Baloise you can now take out “fair weather insurance”.
- If there is a certain amount of precipitation, insured people receive 100 francs per day.
- In addition, the money does not have to be claimed by the insured themselves.
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The sports holidays are known to often coincide with bad weather. The accommodations are already booked, but then it snows and rains non-stop: an insurance company tries to provide a ray of hope.
You can now take out “fair weather insurance” from Baloise. The process looks like this: You inform the insurance company where and how long the trip is going. If there is a certain amount of precipitation on one or more holiday days, you get 100 francs back.
The premium varies depending on the location and the risk of bad weather. During the sports week the price is between around 35 and 70 francs, writes the “Aargauer Zeitung”.
Insurance usually only pays from the second day of rain
However, caution is advised: the insurance often only pays from the second or third day of rain. In addition, the insurance must be taken out at least three weeks before the holidays. If you want money, you have to hope for rain before the weather forecast.
Bad weather can really ruin your skiing holiday. Baloise Insurance now offers a ray of hope. You can now take out “fair weather insurance” with Baloise. (Symbolic image) You have to indicate where you are going on holiday three weeks in advance. If there is a certain amount of precipitation on one or more days, insured persons receive 100 francs per day. (Symbolic image) The insurance also reports when the precipitation limit is exceeded: The customer then only has to confirm this. (symbol image)
Critical voices from a German consumer protection organization think fair-weather insurance is a crazy idea. “Even for travelers without a rain jacket,” the financial damage of a few rainy days remains manageable, writes the “Aarauer Zeitung” organization. Insurance should only be taken out if there are really serious risks.
Money does not have to be actively requested
What is noteworthy, however, is that you do not have to declare the “damage” yourself with this insurance. Baloise informs the insured person if the amount of precipitation has been exceeded.
They then just have to confirm this and they have the money in their account. Baloise sees great potential in this type of insurance – Swiss consumer protection also praises the system.
Would you take out “fair weather insurance”?
34%
Yes, then at least the rain will bring me something.
1
Yes, then at least the rain will bring me something.
66%
No, that’s unnecessary!
2
No, that’s unnecessary!
The idea of bad weather insurance is by no means new: Allianz Global Assistance started a trial back in 2012. However, the test was discontinued after just two years – there were not enough people interested. It remains to be seen whether Baloise will be more successful.
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More on the subject:
FranconiaWeatherHolidays
2024-01-12 19:39:53
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