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 Viseca credit card.
• 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 that is available to buy 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, 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 cards:

• 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 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 and available, offering the same scope of performance (model, size, colour, features and performance, 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 the availability and price difference of the identical item (model, size, colour, etc.)
• 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 Viseca card for at least 60% of the travel costs, item, device or ticket.

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Yes, the equivalent offer must relate to the same item that is available to buy. The performance included in the offer (e.g. terms of delivery, assembly, warranty period, size, colour) 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 offer must be valid and available to buy 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 crédit/prepaid 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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In that case, you can either request confirmation from the merchant 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. The offer must also be available to buy (e.g. in the same size or colour) and 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 Viseca credit/prepaid card.

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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, the same prerequisites for a comparison are only met if any card fees are taken into account for both the purchased item and the cheaper equivalent offer. Please note that these fees are charged by merchants and not by Viseca. We have no influence over the pricing policy of 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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