Car insurance

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 partial accidental damage insurance & comprehensive accidental damage insurance.

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 (all glass including headlights)
• Transported belongings (e.g. sports bag)
• Extras: Free coverage of up to 10% of the vehicle's list price

Compensation in the event of a total loss

Present value supplement Plus

• 100% in the first 2 years (max. purchase price)
• From year 3, much higher compensation than the standard present value

Purchase price guarantee

• 100% for the first 5 years from purchase date
• From year 6, much higher compensation than the standard present value (+ 30%)
• For new and second-hand cars
• Purchase price up to CHF 100,000
• Not possible if leasing

Comprehensive insurance (collision coverage):

• Damage to your car due to a collision
• Parking damage includable (unlimited cases)

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 car insurance premium until it is just 30%.

Carefree car warranty

The carefree car warramty protects you against high repair costs after the purchase of your used car or after your car warranty has expired.