Car insurance

Third-party liability insurance

Liability insurance is mandatory. It covers any damage you may cause to other road users, animals or property while you are driving and protects you against any unsubstantiated claims for damages you may face.

• Guaranteed amount CHF 100 million

Accidental damage insurance

Accidental damage insurance is voluntary and covers damage to your car. You can choose between full or partial accidental damage coverage.

Partial accidental damage insurance:

• Roadside assistance throughout Switzerland
• Theft
• Malicious damage (e.g. deliberately broken off rear-view mirrors)
• Damage by natural forces (e.g. hail), fire, snowslides, animals and martens
• Glass breakage (including spotlights)
• Items carried along (e.g. sports bag)
• Extras: Free coverage for up to 10% of the vehicle’s list price
• Present value supplement: for total loss: in year one, repayment of 100% of new price; thereafter, higher compensation than present value of the vehicle

Comprehensive insurance (collision coverage):

• Damage to your car due to a collision
• Parking damage can be included (unlimited events per year)

Accident insurance

With accident insurance we support you financially if the driver or passengers are injured or killed. This applies even if the question of who is at fault has not been settled.

• Valid for all cars registered in Switzerland that you drive and not just your own car
• Medical expenses, e.g. private ward in a hospital
• Death lump sum, in addition to other insurance benefits
• Disability lump sum, in addition to other insurance benefits

Bonus protection for no-claims discount

Bonus protection guarantees that you do not lose your discount in the event of an accident. Claims-free driving leads to a reduction in your premium until it is just 30%.