Price protection insurance

Did you find your newly purchased television at a better price at another Swiss vendor up to 14 days later? The price difference will be reimbursed to you if it is at least CHF 30.

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The following prerequisites must be met for the insurance to provide cover:

• At least 60% of the price of the insured item was paid with a credit card / prepaid card from Viseca.
• The insured item is intended for private purposes.
• Both the purchased item and its cheaper equivalent originate from a merchant based in Switzerland (e.g. retail store, mail-order business, online supplier).
• The identical, cheaper equivalent can be proven to have been discovered within 14 days of the purchase.
• The price difference is at least CHF 30.

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The following maximum insured sums apply per event:

• CHF 1 000: Prepaid Mastercard and Prepaid Visa
• CHF 2 000: World Mastercard Silver/Gold, Visa Classic/Gold, Visa GKB HCD Card and Flying Blue World Mastercard.
• CHF 4 000: Visa Platinum

There is no policy excess.

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The insurance is included in the annual fee for your Viseca card and does not cause any additional costs.

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The insurance is included with the following Viseca credit cards and combined payment cards with credit function:

• Prepaid Mastercard/Visa
• World Mastercard Silver/Gold
• Visa Classic/Gold
• Visa GKB HCD Card
• Flying Blue World Mastercard
• Visa Platinum

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The Best Price Guarantee applies to all insured items purchased from a dealer (e.g. retail store, mail order company, Internet provider) based in Switzerland. Please note that websites with domain ".ch" do not necessarily have to belong to a company based in Switzerland. The imprint of the website will give you information about the registered office of the provider.

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The insurance covers the price difference between the price actually paid and the demonstrably lower price offer if the latter was found within 14 days of the date of purchase. The purchase date is the transaction date on the prepaid/credit card.

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Items excluded from the insurance cover include the following:

• Items that are only offered to a restricted group of buyers (e.g. student or employee shops).
• Items from business liquidations.
• Mobile phones.
• Medical aids (e.g. glasses, medical devices, prostheses, medical accessories).
• Used items and second-hand goods.
• Motor vehicles.

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To claim the difference in price, check whether the equivalent item really is identical, offering the same scope of performance (terms of delivery, assembly, duration of warranty, size, colour, etc.) and originating from a vendor based in Switzerland. Obtain the necessary confirmations and evidence, and send us the complete claim documentation.

Send the claim form and the following documents to the insurer as soon as possible:

• Dated evidence of price difference
• Purchase receipt with product description 

If you have any questions, contact the insurer by phone on +41 44 283 38 05.

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No. To benefit from insurance cover, you must use a valid Viseca credit card or, as a mandatory requirement, the credit function of a valid combined payment card to pay for at least 60% of the travel costs, item, device or ticket.

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Yes, the comparison offer must be for the same item. The services included in the offer (for example, delivery conditions, assembly, warranty period, size, color, etc.) must also be identical.

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No, the comparison offer must also be accessible to everyone in order to create the identical conditions for the price comparison. Products that are only accessible to a limited group of people cannot be considered in the comparison.

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The cheaper equivalent item must have been available no later than 14 days after you made your original purchase. Please bear in mind that you must include corresponding (officially date-marked) proof of this when submitting the relevant documentation. The purchase date is the transaction date on your Viseca card.

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No, the price difference will be refunded only if the cheaper comparative offer is established up to 14 days after the purchase.

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If a brochure is not available, you can either request confirmation from the retailer or print out a website screenshot showing the cheaper offer (incl. desktop date). Please note: in all cases documentary evidence must be provided of the identity of the product, i.e. the exact name (e.g. SONY CMR-250), and of the cost, and the offer must be date-marked.

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Yes, the price protection insurance also applies to price promotions, discounts and sales, etc. but not to winding-up sales or items that are only offered (not publicly) to a restricted group of buyers.

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Yes, as long as at least 60% of the purchase price was paid with a credit card / prepaid card or, as a mandatory requirement, with the credit/prepaid function of a combined payment card from Viseca.

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Yes, provided it is a commercial provider based in Switzerland and an offer in/for Switzerland.

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Yes, even in this case the best price guarantee is valid.

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No, the best price guarantee is limited to offers from dealers with company headquarters in Switzerland.

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Yes, only if possible credit card fees are taken into account for both the purchased and the cheaper comparison offer, the same conditions prevail for a comparison. Please note that these fees are charged by the merchants and not by Viseca. We have no influence on the pricing policy of the merchants.

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No, the insurance protection does not apply to mobile phones.

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No, only movable items purchased for personal use are insured. Services are excluded from insurance coverage.

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The exact conditions can be found in the Insurance Conditions for private payment cards of Viseca Card Services SA
 

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