{"id":3082,"date":"2017-08-07T09:56:50","date_gmt":"2017-08-07T09:56:50","guid":{"rendered":"http:\/\/comparateur.thalesitlab.ch\/2017\/08\/07\/conditions-tarifaires-allechantes-larbre-qui-cache-la-foret\/"},"modified":"2017-11-29T21:07:30","modified_gmt":"2017-11-29T21:07:30","slug":"attractive-prices-the-tree-that-hides-the-forest","status":"publish","type":"post","link":"https:\/\/www.indexcaution.ch\/en\/attractive-prices-the-tree-that-hides-the-forest\/","title":{"rendered":"Attractive prices: the tree that hides the forest!"},"content":{"rendered":"<p>The pricing policies of guarantee companies may seem clear and simple to understand at first glance.<\/p>\n<p>It would initially seem that annual premiums range from 4% to 5% of the amount of the rental guarantee, according to the guarantee companies. So you can already narrow things down!<\/p>\n<p>A first round allows us to see that the annual premium rates range from 4% to 5% of the amount of the guaranteed rent guarantee according to the surety companies. What already make a first choice!<\/p>\n<p>After further analysis, we find that the annual premium rate should not be the sole criterion for deciding whether to join one of these institutions. Expenses &#8211; false fees and hidden fees must also be considered. In the end, it is you who will pay the bill and these costs are not insignificant.<\/p>\n<p>The various practices used in calculating the \u201cguarantee&#8221; premium for guarantee companies:<\/p>\n<ul>\n<li><u>The method of calculating the premium in the first year and the following years<\/u><\/li>\n<\/ul>\n<p>In the first year, the guarantee companies offer either lump sum or pro rata temporis premiums, taking into account the end date of the guarantee contract.<\/p>\n<ul>\n<li><u>Promotional conditions<\/u><\/li>\n<\/ul>\n<p>Certain companies &#8211; aiming of attract as many customers as possible &#8211; offer exceptionally low premiums do not charge tenants to join their institutions.<\/p>\n<ul>\n<li><u>Disparity in General Conditions<\/u><\/li>\n<\/ul>\n<p>The general conditions of insurance (CGI) of the various guarantee companies are highly ingenious.<\/p>\n<p>Below you will find explanations for the lower expenses and fees which are\/will be charged to you:<\/p>\n<ul>\n<li>Annual management fee of CHF 20 (used to finance annual billing!)<\/li>\n<li>Administrative costs of CHF 50 for any changes to the insurance certificate;<\/li>\n<li>Administrative costs of CHF 20 in case of termination by the policyholder<\/li>\n<li>Administrative costs of CHF 100 in case of release of the guarantee with incidents<\/li>\n<li>Administrative costs of CHF 50 in case of change of provider<\/li>\n<li>Customer hotline, cost raised to CHF 2.30 \/ minute.<\/li>\n<\/ul>\n<p>We can only say that a simple assessment, based on a premium rate or an advertisement, is not sufficient to form an objective opinion on the total cost of the rental guarantee insurance premium.<\/p>\n<p>We advise you to be cautious before taking the leap.<\/p>\n<p>Your Guarantee\u00a0!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The pricing policies of guarantee companies may seem clear and simple to understand at first glance. It would initially seem that annual premiums range from 4% to 5% of the amount of the rental guarantee, according to the guarantee companies. So you can already narrow things down! A first round allows us to see that [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":3912,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"image","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-3082","post","type-post","status-publish","format-image","has-post-thumbnail","hentry","category-rent-guarantee","post_format-post-format-image"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v15.6.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Attractive prices: the tree that hides the forest! - Comparateur<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.indexcaution.ch\/en\/attractive-prices-the-tree-that-hides-the-forest\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Attractive prices: the tree that hides the forest! - Comparateur\" \/>\n<meta property=\"og:description\" content=\"The pricing policies of guarantee companies may seem clear and simple to understand at first glance. It would initially seem that annual premiums range from 4% to 5% of the amount of the rental guarantee, according to the guarantee companies. So you can already narrow things down! A first round allows us to see that [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.indexcaution.ch\/en\/attractive-prices-the-tree-that-hides-the-forest\/\" \/>\n<meta property=\"og:site_name\" content=\"Comparateur\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/indexcaution\/\" \/>\n<meta property=\"article:published_time\" content=\"2017-08-07T09:56:50+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2017-11-29T21:07:30+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.indexcaution.ch\/wp-content\/uploads\/2017\/11\/La-politique-tarifaire-des-socie\u0301te\u0301s-de-cautionnement.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1137\" \/>\n\t<meta property=\"og:image:height\" content=\"500\" \/>\n<meta name=\"twitter:card\" content=\"summary\" \/>\n<meta name=\"twitter:creator\" content=\"@Index_Caution\" \/>\n<meta name=\"twitter:site\" content=\"@Index_Caution\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\">\n\t<meta name=\"twitter:data1\" content=\"2 minutes\">\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.indexcaution.ch\/#organization\",\"name\":\"Index Caution - Comparateur Caution de Loyer\",\"url\":\"https:\/\/www.indexcaution.ch\/\",\"sameAs\":[\"https:\/\/www.facebook.com\/indexcaution\/\",\"https:\/\/www.instagram.com\/indexcaution\/\",\"https:\/\/www.linkedin.com\/company\/index-caution\/\",\"https:\/\/twitter.com\/Index_Caution\"],\"logo\":{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/www.indexcaution.ch\/#logo\",\"inLanguage\":\"en-US\",\"url\":\"https:\/\/www.indexcaution.ch\/wp-content\/uploads\/2019\/03\/Index-Caution-Logo.png\",\"width\":794,\"height\":353,\"caption\":\"Index Caution - Comparateur Caution de Loyer\"},\"image\":{\"@id\":\"https:\/\/www.indexcaution.ch\/#logo\"}},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.indexcaution.ch\/#website\",\"url\":\"https:\/\/www.indexcaution.ch\/\",\"name\":\"Index Caution - Comparateur de garantie de loyer\",\"description\":\"Just another WordPress site\",\"publisher\":{\"@id\":\"https:\/\/www.indexcaution.ch\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":\"https:\/\/www.indexcaution.ch\/?s={search_term_string}\",\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/www.indexcaution.ch\/en\/attractive-prices-the-tree-that-hides-the-forest\/#primaryimage\",\"inLanguage\":\"en-US\",\"url\":\"https:\/\/www.indexcaution.ch\/wp-content\/uploads\/2017\/11\/La-politique-tarifaire-des-socie\\u0301te\\u0301s-de-cautionnement.jpg\",\"width\":1137,\"height\":500,\"caption\":\"Closeup on medical doctor woman using calculator\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.indexcaution.ch\/en\/attractive-prices-the-tree-that-hides-the-forest\/#webpage\",\"url\":\"https:\/\/www.indexcaution.ch\/en\/attractive-prices-the-tree-that-hides-the-forest\/\",\"name\":\"Attractive prices: the tree that hides the forest! 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