Language

Do you have any questions?

You can find answers quickly in our frequently asked questions below (payments, claims, invoicing, and details of our products). If you cannot find your answer, please contact us.

Hero_questions2.png
+

Residential

What is a Firstcaution flexible rental guarantee?

Firstcaution is the only insurance company to offer a flexible guarantee with or without a bank deposit. You can pay all or part of your rental guarantee as a deposit. Unlike a traditional bank guarantee, your funds are never frozen. You may withdraw funds for the duration of your lease agreement. You can withdraw funds at any time or increase the part of the guarantee that you have paid as a deposit. We offer maximum flexibility! Your rental guarantee can be adapted to fit your needs. Your rental guarantee premium will be adapted based on the amount you have deposited.

Is the deposit I make with Firstcaution as secure as a deposit with a banking institution?

The tenant decides whether to make a deposit or not. If a tenant chooses to pay all or part of their rental guarantee as a deposit,they will receive a special deposit slip. This deposit slip contains a reference number which identifies the payment. This process is completely secure. Payments are made to the Banque Cantonale de Fribourg which holds a government licence. The process for refunding deposits is fully secure.

How do I change my rental guarantee if I want to adjust my deposit amount?

You can pay all or part of your rental guarantee as a deposit at any time. Just enter the deposit amount in the calculator on the home page when you apply. The more you deposit, the lower your annual premiums will be. You can withdraw your deposit any time. Simply contact our team to get your money back. Your premium amount will then be adjusted. The certificate of guarantee that has been provided to your landlord or property management company remains unchanged regardless of any withdrawals or payments you may make.

How does a rental guarantee in the form of a deposit work?

To benefit from a rental guarantee without a bank deposit, you pay an annual premium calculated as closely as possible to the amount requested as a guarantee by your property management company or landlord. The rental guarantee generally amounts to three months' rent for a property. At the end of your lease agreement, you come to an agreement with your property management company or landlord during the joint inspection of the property in the event of damages or arrears. Under this agreement, we release the amount you have agreed to within the limit of the guarantee certificate amount, issued to your property management company or landlord on your behalf. You cannot withdraw funds above the rental guarantee amount. In the event of a dispute with your property management company or landlord, we will wait until we receive an agreement or a judgement authorising us to release the rental guarantee. Once the payment has been made to your property management company or landlord, we will invoice you for the sums paid. We can arrange a personalised payment plan to suit your circumstances.

I have a flexible guarantee, can I get my deposit back?

Yes, you can get your deposit back with a flexible guarantee. We will adjust your annual premium amount.

What is a rental guarantee?

A rental guarantee (or security deposit) is a sum of money available to your property management company or landlord in the event that you have to pay arrears or damages when you vacate your apartment. You have to provide your property management company or landlord with a rental guarantee to rent an apartment in Switzerland. The rental guarantee generally amounts to three months' rent. You can freeze your money in a bank deposit or apply for a rental guarantee in the form of a security deposit. With a rental guarantee in the form of a security deposit, you pay annual premiums instead of freezing your money. I am interested, tell me more.

What is the purpose of a rental guarantee?

A rental guarantee is required to sign a lease agreement. To rent accommodation in Switzerland, you have to provide your property management company or landlord with a rental guarantee which is also known as a security deposit. You will not be able to sign a lease agreement without a rental guarantee. The rental guarantee generally amounts to three months' rent. You can apply for a rental guarantee without a deposit instead of freezing your money with a deposit.

What are the advantages of getting a Firstcaution rental guarantee?

With Firstcaution, you are applying for a flexible rental guarantee - You choose whether to pay a deposit or not. - We calculate the cost of your rental guarantee as closely as possible to your moving date so that you are not penalised if you move in during the year. - Your annual premium depends on your rental guarantee amount and whether you made a deposit. - Your money is never frozen - even if you choose to pay all or part of your guarantee as a deposit, you can get your money back at any time. - Simply apply online - there is no need to go into a branch. - You will receive your rental guarantee within a maximum of one working day. The advantages of Firstcaution compared to a Swisscaution, GoCaution or Smartcaution rental guarantee: - We are the only company to offer a flexible rental guarantee that allows you to choose between a deposit and premiums without ever freezing your money in a bank account. Even if you make a deposit, you can withdraw funds for the duration of the contract. - You have a secure rental guarantee, Firstcaution is a FINMA-approved Swiss company insurance company. - You can enjoy the security of a customer service team who answers your questions by phone, instant messaging (WhatsApp) and email Monday to Friday from 8.00 am to 6.00 pm (except public holidays). - For your first payment, you pay a reduced application fee based on the date of your lease agreement rather than a full year’s premium. We are available to answer all of our customers’ questions. We process all requests as quickly as possible with the utmost attention to detail.

Is a Firstcaution rental guarantee equivalent to a bank guarantee or a bank deposit?

Yes, the Firstcaution rental guarantee is equivalent to a bank guarantee (also called a bank deposit) from the point of view of your property management company or landlord. Firstcaution is a FINMA-approved Swiss company. With Firstcaution, you avoid freezing your money in a traditional deposit account. You can choose between a guarantee without a deposit or pay all or part of your rental guarantee as a deposit. You can withdraw funds throughout the duration of your contract. Unlike a bank, your deposit is not frozen. Our customer service team is available by telephone, instant messaging (WhatsApp), and email from Monday to Friday from 8.00 am to 6.00 pm (except public holidays).

How long is my rental guarantee valid for?

Your Firstcaution rental guarantee is valid until you move out or until your property management company or your landlord confirms that you have terminated your lease agreement. You pay an annual premium. If you move out during the year, we will process any refund to you on request, on a pro rata basis from the date you vacate the premises.

When will I receive my rental guarantee?

You will receive your Firstcaution rental guarantee by email at the latest one working day after you apply. We issue your guarantee certificate and send it directly to your property management company or landlord. You will receive a rental guarantee insurance policy by email or post for your personal files.

What documents are required to apply for a Firstcaution rental guarantee?

You must provide us with the following documents when applying for a Firstcaution guarantee: - Copy of the lease agreement, - Copy of the identity document of all of the individuals named on the lease agreement. Apply now to get your rental guarantee within one working day.

I am a student, will Firstcaution give me a rental guarantee?

Yes, Firstcaution also provides students with rental guarantees. We will find a solution tailored to your personal circumstances. In some cases, we will ask you for additional information and/or documents (e.g. a guarantor or a deposit). Apply now and we will contact you directly to come up with a solution. It is free to apply with no obligation to purchase.

I am unemployed, will Firstcaution give me a rental guarantee?

Yes. Even if you don't have a job, you can take out a rental deposit with Firstcaution. Together we will find a solution that is tailored to you. In some cases, we need additional information and/or documents. Register for a rental guarantee and we will contact you personally afterwards. The registration is free of charge and without obligation.

I am currently receiving benefits, can I apply for a rental guarantee with Firstcaution?

Yes. Even if you receive social assistance, you can take out a rental deposit with Firstcaution. Together we will find a solution that is tailored to you. In some cases we need additional information and/or documents. Register for a rental guarantee and we will contact you personally afterwards. The registration is free of charge and without obligation.

My extract from the debt collection register contains debts, can I apply for a rental guarantee with Firstcaution?

Yes. Even if your debt collection statement contains an entry, you can take out a rental deposit without a bank deposit with Firstcaution. Together we will find a solution that is tailored to you. In some cases we need additional information and/or documents. Register for a rental quarantee and we will contact you personally afterwards. The registration is free of charge and without obligation.

When will I receive my annual invoice?

You will receive your annual invoice in the autumn, payable by December 31st for the following calendar year.

What is the difference between the application fee and the annual premium?

You pay a application fee from the date you apply or the start of your lease agreement until December 31st of the current year. For example, if the start date of your lease agreement is in September, your application fee is lower than if you move in April. You pay a premium each year for a full year (twelve months). The year starts on January 1st and lasts until December 31st.

How do I cancel my Firstcaution rental guarantee?

You want to cancel your rental deposit with Firstcaution? Inform your property management company or landlord to return the certificate of guarantee to Firstcaution. Your cancellation is only valid if Firstcaution receives the certificate of guarantee or a written confirmation from your administration.

How do I cancel my rental guarantee?

You can cancel your rental guarantee at any time.

I have already moved, my lease agreement has been terminated, what do I have to do to cancel my Firstcaution rental guarantee?

To cancel your rental guarantee after you move: send us a dated and signed copy of the inventory of fixtures when you vacated the premises to stop the guarantee being charged, ask your property management company or landlord to send us the original guarantee certificate or written confirmation. If you cancel during the year and there are no claims, you can request a partial refund of your annual premium. Cancellation of your rental guarantee is only effective when Firstcaution has received confirmation or the original guarantee certificate from your property management company or landlord. You have a maximum of one year to get written confirmation from your property management company or landlord.

What happens in the event of damage to the apartment I have rented?

Accidental damage: Report this immediately to your personal liability insurance. This usually covers the costs of accidental damage. For example, if you spill something and this damages your floor, the glass ceramic stove or the vegetable drawer of the refrigerator breaks or your child paints a wall. - According to our guarantee, we will pay the amount to your property management company or landlord for you - up to the maximum amount stated in the guarantee. - In case of any legal dispute between you and your property management company or landlord, we will wait for the verdict. - After we have transferred the amount to your property management company or landlord, you will receive an invoice from us for the reimbursement. Depending on the situation, we will jointly define a repayment agreement that is suitable for you.

What does the rental guarantee cover?

The rental guarantee covers your liabilities and debts to your property management company or landlord, under the terms of the lease agreement you have signed. This includes arrears, property damage or loss, rental charges included in the lease agreement as well as administrative and legal recovery costs and interest. Firstcaution pays your liabilities and debts to your property management company or landlord and then asks you to reimburse these. You will still have to pay your arrears when you vacate your apartment either to your property management company or landlord, or to Firstcaution. In the event of material damage caused by an accident, we recommend that you contact your household liability insurance provider. Household liability insurance covers this type of damage.

I already have a Firstcaution rental guarantee and I am moving out, will my current rental guarantee be valid for my new home?

No, your current rental guarantee will not be valid for your new home. You must apply for a new rental guarantee. We will calculate your new rental guarantee based on the deposit required for your new apartment.

Can I have more than one Firstcaution rental guarantees?

Yes, you can have more than one Firstcaution rental guarantees for different accommodation. Only one rental guarantee is required per lease agreement.

How do I apply for a second Firstcaution rental guarantee?

To apply for a second rental guarantee, follow these steps: 1. click on the link to the application form, 2. insert your guarantee number, 3. add a copy of the lease agreement for your second property, 4. pay the application fee for your second property, 5. we will send the guarantee certificate to your property management company or landlord one working day after you apply, 6. you will receive a copy of the guarantee certificate by email or by post.

The start date of my lease agreement has already passed, can I still apply for a rental guarantee with Firstcaution?

Yes, you can apply for a rental guarantee with Firstcaution if the start date of your lease agreement has already passed. Your application fee is based on the date you apply to Firstcaution. To apply for a rental guarantee with Firstcaution, follow these steps: 1. click on the link to the application form, 2. follow the steps in the application form, 3. pay your application fee directly via the online form or request an invoice by post, 4. we will send the guarantee certificate to your property management company or landlord one working day after you apply, 5. you will receive a copy of your guarantee certificate by post for your personal files, 6. you will receive an invoice for your application fee if you have requested an invoice by post. Apply for a rental guarantee now.

My lease agreement doesn’t start for several months, can I apply for a rental guarantee now?

Yes, you can apply for a Firstcaution rental guarantee now even if your lease agreement starts in several months' time. The rental guarantee will start on the date indicated in your lease agreement. You only make payments from the start date of your lease agreement.

If I apply for a new rental guarantee, does my Firstcaution guarantee number (or policy number) remain the same?

No, your guarantee number does not remain the same. You are allocated a guarantee number for each rental guarantee. If you are applying for a new rental guarantee, you are allocated a new guarantee number (or policy number).

If I can't pay my premium, what does Firstcaution offer me?

Please contact us if you are unable to pay a premium

I have vacated my apartment, why do I have to reimburse Firstcaution for the sum paid to the property management company or landlord for damages or arrears?

When you move out, you must pay unpaid rent or damages. This is stated in the rental agreement. If you cannot do this, Firstcaution will pay a maximum of the amount stated in the guarantee directly to the property management company or landlord. This is the amount you owe Firstcaution. The annual invoice only covers the fact that Firstcaution guarantees you against your administration and advances the money if necessary. However, the annual invoice does not cover any costs incurred due to damage or unpaid rent.

Can I deduct the sum of the annual premiums paid to Firstcaution from the amount to be reimbursed following damages or arrears?

No, you may not deduct annual premiums from the amount requested by your property management company or landlord. You pay annual premiums to benefit from a rental guarantee without a bank deposit. You pay for the rental guarantee service we provide. Your annual premiums are not savings.

I was a co-tenant or guarantor, why did I receive an invoice for damages or arrears from an old apartment?

As a co-tenant or guarantor you are jointly liable to pay any damages or arrears. Under our general terms and conditions, Firstcaution can freely and legally act to request reimbursement from one or both parties. That is why we send the premiums jointly to all individuals who have applied for a rental guarantee. Under our general terms and conditions, you are obliged to reimburse any damages and arrears that Firstcaution has paid to your property management company or landlord. Of course, if you and the other individual listed on the guarantee certificate overpay or make duplicate payments, we will reimburse the amounts overpaid to the appropriate individual.

Do I have to pay a fee to make changes to my Firstcaution rental guarantee?

No, you do not have to pay a fee to make changes to your rental guarantee. You can make changes to your Firstcaution rental guarantee at any time.

Do I pay to cancel my rental deposit with Firstcaution?

If you cancel your current rental guarantee and apply for another rental guarantee for your new home, you will not be charged. If you cancel your rental guarantee without applying for a new Firstcaution rental guarantee, we will ask you to pay a contribution of CHF 20 to cover the administrative costs.

What is my guarantee number (or policy number) for?

Your Firstcaution guarantee number (or policy number) is used to identify you, e.g. when you call the customer service team.

How long do I have to pay an annual premium for?

You pay an annual premium for as long as you have a rental guarantee with Firstcaution. You pay annual premiums to benefit from a rental guarantee without a bank deposit.

I cancelled my rental guarantee before the end of the year, am I entitled to a refund?

If you cancel your rental guarantee before the end of the year, you are entitled to a partial refund of your annual premium only if your property management company or landlord does not claim the guarantee for arrears or damage to your apartment. You have one month after the joint inspection of the property to request a refund. Send us a signed and dated copy of the inventory of fixtures when you vacate the premises to get your refund.

I have a rental deposit from Firstcaution and I am moving. What do I have to do?

To cancel your rental guarantee after you move out: 1. send us a dated and signed copy of your outgoing inventory of fixtures to stop further invoicing, 2. ask your property management company or landlord to send us the original of your guarantee certificate or written confirmation, 3. if you cancel during the year and there are no claims, you can request a partial refund of your annual premium. Cancellation of your rental guarantee is only effective when Firstcaution has received confirmation from your property management company or landlord. You have a maximum of one year to provide written confirmation from your property management company. Each property has its own rental guarantee, calculated on the rental amount. Your rental guarantee is not valid for your new home when you move. Apply for a rental guarantee for your new home. If you have cancelled your rental guarantee during the year and there are no claims, you can request a partial refund of your annual premium. You have one month to apply for a refund.

I have got my flexible guarantee deposit back. Is my rental guarantee still valid for the property management company/landlord?

Yes, your rental guarantee remains valid. It makes no difference if you choose a flexible guarantee from the point of view of your property management company.

How much money do I have to freeze for a flexible guarantee?

You can freeze as much you want. We adapt your annual premium to fit your needs.

Can I adjust my deposit amount with a flexible guarantee?

Yes, you can adjust your deposit amount at any time. We will adapt the amount of your annual premium based on your adjustments.

Who pays the arrears?

When you vacate your apartment, you are obliged to pay the property management company or landlord any arrears under your lease agreement. If you are unable to pay the arrears: -The property management company claims money from the rental guarantee, - Firstcaution pays damages and arrears up to the amount of the rental guarantee under the general conditions. Firstcaution does not pay more than the rental guarantee amount (usually three months' rent), - You reimburse Firstcaution an amount equal to the rental guarantee. You do not pay more than the total rental guarantee (usually three months' rent). If necessary, we can arrange a payment plan.
+

Commercial properties

What is a rental guarentee?

A rental guarantee (or security deposit) is a sum of money available to your property management company or landlord in the event that you are late in paying your rent or in the case of damages when you vacate a commercial premises. You have to provide your property management company or landlord with a rental guarantee to rent commercial property in Switzerland. You can freeze your money in a deposit account or apply for a rental guarantee in the form of a security deposit. With a rental guarantee in the form of a security deposit, you only pay an annual premium. You free up your cash to invest in your business. I am interested, tell me more.

What is the benefit of a rental guarentee for commercial properties?

In order to sign a rental agreement for a commercial space in Switzerland, the administration requires a rental deposit. You cannot sign a rental agreement without a rental deposit. The rent deposit for a commercial space is usually 3 to 12 months' rent. Instead of freezing your money in a rent deposit, you can also take out a rental guarantee.

What are the advantages of a rental guarantee with Firstcaution?

With Firstcaution, you apply for a rental guarantee in the form of a security deposit rather than a rental guarantee in the form of a bank deposit. The advantages: - you pay an annual premium instead of freezing cash in a deposit account, - you have a direct point of contact specialising in commercial leases to help you apply for your rental guarantee and put together your rental application, - you will receive your rental guarantee within a maximum of one working day. - you have a secure rental guarantee as Firstcaution is a FINMA-approved Swiss company, - you can choose a mixed solution that combines a deposit and an annual premium, - for your first rental guarantee, you pay a reduced application fee and annual amount depending on the date of your lease agreement instead of the amount for a full year. Find out more about Firstcaution rental guarantees.

Is the rental guarantee with Firstcaution equivalent to a bank guarantee or a rental deposit?

Yes. For your management, Firstcaution's rental guarantee is equivalent to a bank guarantee or a rental deposit. Since Firstcaution is a Swiss company authorized by FINMA (Swiss Financial Market Supervisory Authority), it is looked upon as trustworthy. With Firstcaution, you avoid having your money frozen unnecessarily in a bank account. Instead, you simply pay an annual invoice. And our support team specializing in commercial leases will assist you Monday through Friday from 8:30 am to 6:00 pm (excluding holidays). Learn more about Firstcaution's rental deposit.

How long is my rental guarantee valid for?

Your Firstcaution rental guarantee is valid until your lease agreement is terminated or until you request its cancellation. You pay a premium each year to benefit from a rental guarantee without a Firstcaution bank deposit. You can renegotiate your guarantee conditions every year.

When will I receive my rental guarantee?

You will receive a copy of your guarantee certificate by post for your personal files. Apply now to get your rental guarantee within a maximum of one working day. [Link to application form]

What documents do I need for a rental guarantee?

You must provide us with the following documents when applying for a Firstcaution rental guarantee: - a copy of your draft lease agreement, - a copy of the identity document of the individual representing the company, - extracts from the debt collection register less than three months old from the signatories to the lease agreement, - your business plan or financial statements for the previous financial years, - any other document you deem useful. We will contact you directly to put together a tailor-made application for your company. Apply now.

My extract from the debt collection register contains debts. Can I apply for a rental guarantee for a commercial premises with Firstcaution?

Yes. Even if your debt collection statement contains an entry, you can apply for and receive a rental guarantee with Firstcaution. Together we will find a solution that is tailored to you. In some cases, we need additional information and/or documents. Apply for a rental guarantee and we will contact you personally afterwards. The registration is free of charge and without obligation.

When will I receive the annual invoice?

You will receive your annual invoice for the following calendar year in the fall. It must be paid by December 31st.

What is the difference between my first premium and the following annual premiums?

We reduce the amount of your first premium based on the start date of your guarantee. For example, if the start date of your lease agreement is in September, your first premium is lower than if your lease agreement starts in April. From the second premium, you pay for a full year (twelve months).

How do I cancel my rental guarantee with Firstcaution?

You want to cancel your rental guarantee with Firstcaution? Ask your property management company or landlord to return the certificate of guarantee to Firstcaution. Your cancellation is only valid if Firstcaution receives the certificate of guarantee or a written confirmation from your property management company or landlord.

When can I cancel my rental guarantee?

You can cancel your rental guarantee at any time.

I have already moved. What do I have to do to cancel my rental guarantee with Firstcaution?

To cancel your rental guarantee after you move, follow these steps: send us a dated and signed copy of your surrender record. Ask your property management company or landlord to send us the rental guarantee certificate or written confirmation. If you move out during the year and there is no claim for damages or arrears, you may request a prorated refund of your annual bill. Termination of your rental deposit will only be effective when your property management company or landlord sends the certificate or written confirmation to Firstcaution. You have a maximum of 1 year to do this.

What happens in the event of damage to the commercial premises I have rented?

Your liability insurance covers accidental damage. If you are responsible for damage not caused by an accident or by “normal wear and tear” under the Swiss Code of Obligations, you have to pay your property management company or landlord to get the damage repaired when you vacate the commercial premises. Under our general terms and conditions, you are always obliged to pay any damages when you vacate the commercial premises. Your property management company or landlord will ask you to pay any arrears or for repairs to the commercial premises. If you have savings, pay your property management company directly. If you cannot pay: - the property management company or landlord claims the money from the rental guarantee, - Firstcaution pays the damages up to the amount of the rental guarantee. Firstcaution does not pay in excess of the amount of the rental guarantee, - you reimburse Firstcaution up to the amount of the rental guarantee. You do not pay more than the total rental guarantee. If necessary, we can offer you a payment plan.

Who pays any unpaid rent?

When you move out of the commercial space, you must pay your property management company or landlord the entire outstanding rent. If possible, transfer it directly to them. Do you lack the necessary money? The property management company or landlord requests the amount of the rent deposit from Firstcaution. Firstcaution pays the amount to them - maximum up to the amount stated in the guarantee. You pay the amount back to Firstcaution - up to the maximum amount stated in the guarantee. If necessary, we define together an individual repayment agreement. According to our contract conditions, when you leave commercial premises, you must always pay the damages and/or unpaid rents.

What does the rental guarantee cover?

The rent guarantee without bank deposit covers your obligations and debts to your property management company or landlord as stated in the tenancy agreement. This includes unpaid rent, damages or property damage, rental costs listed in the lease, as well as administrative and legal collection fees and interest. Firstcaution will pay your debts to your property management company or landlord, but not more than the amount stated in the guarantee. We will then agree with you on the payment of these costs. You will have to pay unpaid rents even after you move out of the commercial space. Either directly to your property management company or landlord or to Firstcaution. Accidental damage is usually covered by your insurance. Report such damages directly there.

I already have a Firstcaution rental guarantee and I am planning to move. Will my current rental guarantee be valid for my new commercial premises?

No. Your current rent guarantee without bank deposit is only valid for the current commercial space. If you move, you will need to sign up for a new rental deposit. The amount of the annual bill will depend on your lease.

Can I take out several rental guarantees with Firstcaution?

Yes. You can take out a rental guarantee for multiple commercial premises with Firstcaution. Only one rental guarantee is required per rental agreement.

How do I get a second rental guarantee without a bank deposit with Firstcaution?

To take out a second rental guarantee, follow these steps: Open the registration form. Enter your guarantee number. Attach a copy of your new lease or draft. Pay the first bill for your second rental deposit. Your property management company or landlord will receive our certificate 1 business day after your application. You will receive a copy of the certificate by email.

My rental start date is in the past. Can I still take out a rental guarantee without a bank deposit with Firstcaution?

Yes. You can take out a rental guarantee without a bank deposit with Firstcaution even after your rental has started. We charge the cost of the first invoice from the date of your registration. Register for a rental guarantee without a bank deposit with Firstcaution as follows: Open the registration form. Follow the steps in the registration form. You will receive an email asking you to return the enclosed document to us. We will carefully review your file. You will receive a form that you sign and return to us. With this you also confirm the invoice amount. Within 1 working day we will send the certificate of guarantee to your property management company or landlord. You will receive a copy of the guarantee by e-mail. Sign up now for a rental guarantee.

My rental contract does not start for a few months. Can I already take out a rental guarantee without a bank deposit?

Yes. You can take out a rental guarantee with Firstcaution even after your rental has started. We charge the cost of the first invoice from the date of your registration. Register for a rental guarantee without a bank deposit with Firstcaution as follows: - Open the registration form. - Follow the steps in the registration form. - We will carefully check your file. - You will receive a form that you must sign and return to us. With this you also confirm the invoice amount. - Within 1 working day we will send the certificate of guarantee to your property management company or landlord. - You will receive a copy of the guarantee by e-mail. Sign up now for a rental guarantee.

Will my Firstcaution guarantee number remain the same if I register a new rental guarantee?

No, your guarantee number does not stay the same. You have one number per rental guarantee. If you are applying for a new rental guarantee, you will receive a new number (or policy number).

I can't pay my bill. What options does Firstcaution offer me?

If you are unable to pay a premium, please contact us to agree a payment plan. We can split your annual premium into three quarterly premiums at no extra charge. If you require more than three monthly premiums, we charge an additional CHF 5 per month and 5% interest. For claims-related payment plans (damages or arrears), we charge a variable handling fee depending on the amount of the claim. See contact options.

I have vacated my commercial premises. Why do I have to reimburse Firstcaution for the amount paid to the property management company or landlord for damages or arrears?

When you move out, you must pay unpaid rent or damages. This is stated in the rental agreement. If you cannot do this, Firstcaution will pay a maximum of the amount stated in the guarantee directly to the property management company or landlord. This is the amount you owe Firstcaution. The annual invoice only covers the fact that Firstcaution guarantees you against your property management company or landlord and advances the money if necessary. However, the annual invoice does not cover any costs incurred due to damage or unpaid rent.

Why won't I receive a refund of my annual premium pro rata for the current year in the event of damages or arrears?

Under our general terms and conditions, in the event of damages or arrears owed to your property management company or landlord, you will not receive a refund, even partially, of your annual premium. We cannot reimburse any money to you when there is a pending claim with your property management company or landlord, e.g. damages or arrears.

Can I deduct the annual invoice amount I have to pay to Firstcaution for damages or unpaid rentals?

No. You cannot deduct the annual invoice amount from the amount the property management company or landlord demands from you. You pay the annual bill to Firstcaution so that we can vouch for you to your property management company or landlord. The annual payments are not savings.

I was a guarantor on a lease. Why did I receive an invoice for damages or arrears from a previous commercial premises?

By law, as a guarantor, you are jointly liable to pay the cost of damages or unpaid rent. According to our contract terms, Firstcaution can freely and legally contact one and/or the other party for reimbursement. Therefore, we send invoices jointly to all persons who were registered in the rental agreement at the time of registration. Under the terms of our contract, they are obligated to pay for all damages and unpaid rent that Firstcaution has paid to the management. If you and the other parties pay twice, we will refund the corresponding amounts.

Do I pay to change my rental guarantee with Firstcaution?

No. You can change your rental guarantee without bank deposit at Firstcaution at any time and free of charge.

Do I pay to cancel my rental guarantee with Firstcaution?

Are you cancelling your rental guarantee without bank deposit and registering for a new commercial space with Firstcaution? Then the cancellation is free of charge for you. If you cancel your rental guarantee without registering for a new one, we will charge you an administration fee of CHF 20.

What is the purpose of the guarantee number?

Firstcaution's certificate number is used for identification purposes when communicating with the support team, for example.

How long do I pay an annual bill?

As long as you have your rental guarantee without a bank deposit with Firstcaution, you will pay an invoice every year. This is the only way you will benefit from the rental guarantee.

I cancelled my rental guarantee with Firstcaution before the end of the year. Will I get a partial refund of the annual bill?

If your property management company or landlord does not report any damage or unpaid rent, we will refund you proportionally an amount of the annual invoice. Send us a dated and signed copy of the handover protocol of your commercial space within 1 month after your move-out.

I have a Firstcaution rental guarantee and I am about to vacate my commercial premises. What should I do?

Follow these steps to cancel your rent guarantee without a bank deposit when you move out of your commercial space: send us a dated and signed copy of the handover protocol to stop billing. Ask your property management company or landlord to send us the certificate of guarantee or a written confirmation. If there are no damages or unpaid rent, request a pro-rated refund of your annual bill from us within 1 month of moving out. This only applies to terminations under the year. Cancellation of your rental deposit without a bank deposit is only effective when Firstcaution has confirmation from your property management company or landlord. You have a maximum of 1 year to receive written confirmation from your property management company or landlord. Your current rental deposit is void if you move to a new commercial space. A new rental deposit is required for a new commercial space, as each depends on the lease agreement. Sign up for a new rent deposit with no bank deposit for your new commercial space.
+

Get your bank deposit back

I have applied for a Firstcaution rental guarantee. When will I get the money from the bank deposit back?

When we have all the documents to draw up your guarantee certificate, we send your certificate to your property management company or landlord. Ask your property management company or landlord and your bank how soon they can release your deposit from your account.

I currently have a rent deposit. How do I get my blocked money back?

Register with Firstcaution and get your money back from the rent deposit. This is how it works: fill in the online form. Within 1 working day, Firstcaution will take over the guarantee and send the document directly to your property management company or landlord. Afterwards, they will release your rent deposit. You will receive your money back and can use it freely. Register now and you will receive your rental deposit from Firstcaution within 1 working day.

I already have a rental guarantee with Swisscaution/Gocaution/Smartcaution. How do I switch to a Firstcaution rental guarantee?

To switch a Swisscaution/Gocaution/Smartcaution rental guarantee to a Firstcaution rental guarantee, follow these steps: 1. inform your property management company or landlord that you wish to change your rental guarantee to Firstcaution, 2. fill in the online form [Link to application form] 3. Firstcaution will send your guarantee certificate to your property management company or landlord, at the latest one working day after your application, 4. check that your agency or landlord has sent your old rental guarantee to Swisscaution/Gocaution/Smartcaution. We recommend that you send an email to the customer service department of your former rental guarantee provider to check that the cancellation is complete.
+

Provisional Certificate

What's the point of pre-certifying the rental guarantee?

With the pre-confirmation, you improve your chances of renting your dream apartment. Attach the document to your apartment application and give yourself a head start. The management knows that you can pay the rental deposit. And this even before the contract is signed. Firstcaution guarantees to take over the guarantee for you in case of an acceptance. You will receive the pre-confirmation free of charge and without obligation. It is valid for 6 months. Order a rental deposit pre-confirmation now.

How do I get a Firstcaution provisional guarantee certificate?

To obtain a provisional guarantee certificate, fill in the application form with your: - first name, - surname, - email address. You will receive your provisional guarantee certificate three minutes later by email. The provisional guarantee certificate is free of charge, with no obligation to purchase, and does not require copies of documents.

How much does a provisional guarantee certificate cost?

The provisional guarantee certificate is free of charge and without obligation to purchase.

How long is the provisional guarantee certificate valid?

The provisional guarantee certificate is valid for six months. If you are still looking for accommodation after six months, you can reapply to obtain a provisional certificate.

When I sign a lease agreement with a property management company or landlord, is the provisional guarantee certificate still valid?

No, the provisional guarantee certificate is not valid when you sign a lease agreement. When you sign a lease agreement, you have to provide the landlord with a final guarantee certificate corresponding to the rental guarantee amount requested in your lease agreement.

Is a provisional guarantee certificate required to obtain a rental guarantee?

No, a provisional guarantee certificate is not required to obtain a rental guarantee. You can apply for a rental guarantee without having requested a provisional guarantee certificate.