a.s.r. non-life insurance for private individuals

Usually yes, because of the package discount and a single set of paperwork. The benefit disappears as soon as one section gives too little cover and you only notice when you claim. So we compare section by section and set the outcome against separate policies with other companies. Sometimes the package wins, sometimes a combination does.

As a rule, sections can be cancelled separately at the contract renewal date or, after the first year, with a short notice period. Bear in mind that the package discount on the remaining sections may then fall. Do not cancel anything before the replacement cover has been definitively accepted, or you will be left uninsured in the meantime.

Only to a limited extent. Most policies provide temporary cover for contents elsewhere, often only against named events such as fire and theft following forced entry, and with a lower maximum. Loss of or damage to luggage while travelling belongs on the travel cover. For valuable items you regularly take with you, valuables insurance is the watertight solution.

For damage you cause yourself to the rented property, yes, for example fire or water damage. Some liability policies cover tenant's liability, others only after an express extension. Damage to your own contents falls under the home contents cover. When you apply, ask explicitly how these two relate to each other in the policy being proposed.