General Terms and Conditions (GTC)

These General Terms and Conditions of Use for Switzerland („GTC“) govern the relationship between you as a user of Caveo via the App and the CaveoApp website as well as via any other means of communication (such as telephone, e-mail, fax, etc.). When concluding a mandate agreement with CaveoApp, these GTC apply in addition to the mandate agreement.

The most important in brief:

  • Caveo AG, Zurich, Switzerland, („Caveo-App“) operates under the name «Caveo» with the Caveo-App as well as, a service for digital administration, obtaining offers and concluding insurance contracts for persons of legal age residing in Switzerland.
  • Caveo is registered with the Swiss Financial Market Supervisory Authority (FINMA) as an independent insurance intermediary.
  • Caveo AG does not conclude any insurance contracts. Caveo obtains offers for you and simplifies the conclusion of the insurance contract. You take out the insurance yourself directly with the insurer of your choice.
  • Caveo always acts only with your express consent. You retain full control over your insurance contracts. This is regulated in the mandate agreement between you and Caveo.
  • The use of CaveoApp is free of charge for you.

How Caveo works:

  • You register free of charge with Caveo and give Caveo a mandate to manage your insurance policies for you. To do this, you give Caveo permission to obtain your policy information from the insurer.
  • The insurer sends your policy information to Caveo, which is now available to you in the CaveoApp. You always have all important information digitally at hand.
  • If you would like to change or optimise an insurance policy, or wish to obtain additional insurance, Caveo will obtain offers from various insurers for you. You can compare the offers in Caveo and choose the one that suits you best.
  • You take out the insurance you have chosen directly with the respective insurer via Caveo. The new insurance will then be added to your profile and you will now have all the important information at your fingertips.


Caveo AG

Hardturmstrasse 134

8005 Zürich

T +41 44 278 80 60

Swiss Made Software

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