Question 1

Enter your data

Accepted Answer

Enter the data about your vehicle and the drivers. These determine which premiums and benefits are relevant for you.

Question 2

Choose your cover

Accepted Answer

Choose the right cover for your vehicle: the mandatory liability, the optional partial cover and the optional comprehensive cover. We explain what the individual covers include further below.

Question 3

Receive free offers

Accepted Answer

Based on your details, we compare the offers of the car insurers and put together matching offers that suit your needs.

Question 4

Compare and optimise

Accepted Answer

You compare the offers of the providers and choose the right one. On request, we can handle the conclusion and any switch together with you.

Question 5

Which car insurance do I need?

Accepted Answer

Motor vehicle liability is mandatory in Switzerland. Without valid proof, a vehicle is not registered. Partial cover and comprehensive cover are optional. Whether they are worthwhile depends above all on the value and age of your vehicle. For new or leased cars, comprehensive cover is usually recommended or required.

Question 6

What is the difference between partial and comprehensive cover?

Accepted Answer

Partial cover protects your own vehicle against damage for which you are not responsible, such as theft, fire, glass breakage, natural events, collision with animals or marten damage. Comprehensive cover additionally includes self-inflicted collision damage and vandalism. A typical example: while parking you graze a post and scratch the paint. Only comprehensive cover pays for that.

Question 7

Which damage does partial cover pay for?

Accepted Answer

Partial cover pays for damage to your own vehicle that you do not cause yourself. Typically covered are:Theft and robberyFire and explosionGlass breakage, for example from stone chipsNatural events such as hail, storm or floodingCollision with animals, for example damage from wildlifeMarten damageThe exact scope differs by insurer, so a look at the conditions is worthwhile.

Question 8

Is marten damage covered by car insurance?

Accepted Answer

In Switzerland, marten damage usually belongs to partial cover. What is generally covered is the direct bite damage to cables and hoses. Whether consequential damage is also covered, such as an overheated engine after a marten bite, depends on the insurer and the chosen scope. Check therefore whether consequential damage is included.

Question 9

What additional covers are there?

Accepted Answer

Beyond liability and casco, individual modules can be added. With us, you can choose bonus protection, gross negligence protection, assistance with breakdown help and an occupant accident insurance. Whether an add-on makes sense depends on vehicle, age and use.

Question 10

What does car insurance cost in Switzerland?

Accepted Answer

There is no blanket answer, because the premium depends strongly on the vehicle and your profile. As a rough guide: pure liability is the cheapest, partial cover is above that and comprehensive cover is the most expensive because it covers the most. Depending on vehicle and cover, premiums range from a few hundred to over a thousand francs per year. A comparison shows what is realistic in your situation.

Question 11

What influences the car insurance premium?

Accepted Answer

The premium depends, among other things, on the vehicle, the place of residence, the age and driving experience of the driver, the kilometres driven, the chosen scope of cover, the amount of the deductible and the previous claims history. Because each company weights these factors differently, premiums sometimes differ considerably.

Question 12

How can I save on car insurance premiums?

Accepted Answer

The biggest saving comes from comparing several companies, because for the same cover the premiums are often far apart. Further approaches:Choose only the covers and add-ons you really need.Check whether partial cover instead of comprehensive cover is enough.Increase the deductible, provided it stays reasonable relative to the possible damage.

Question 13

Which car insurance is the cheapest?

Accepted Answer

This cannot be said in general, because the cheapest premium depends on your vehicle, your age, your nationality, the place of residence, the scope of cover and your claims history. The same person pays different amounts with different providers. Compare the providers and find the right insurance.

Question 14

Which car insurance is the best in Switzerland?

Accepted Answer

There is no best car insurance across the board; what is decisive is how well it fits your situation. Besides the price, the scope of benefits, the deductible, the additional covers and the service in the event of a claim all count. A solution that is ideal for a new leased vehicle does not necessarily suit an older used car. The comparison shows which offer fits you best.

Question 15

What is the deductible in car insurance?

Accepted Answer

The deductible is the amount you pay yourself in the event of a claim. A higher deductible lowers the premium but means higher costs of your own if something happens. For new and young drivers, the deductible is often higher. Consider which ratio of premium and personal contribution is right for you.

Question 16

What does car insurance cost for new and young drivers?

Accepted Answer

For new and young drivers, premiums are usually higher than for experienced drivers, because the accident risk is statistically greater. How high the premium turns out also depends on the vehicle, the scope of cover and the insurer's tariff features, and the deductible is often higher, frequently from around 1000 francs. You can keep the price in check with:special new-driver offers with a discount from individual companiesa telematics device that rewards safe driving with lower premiumsfamily or multi-policy discounts with the same providerthe choice of a vehicle with a smaller engine capacity and lower value

Question 17

What do I need to consider when insuring an electric car?

Accepted Answer

In principle, the same rules apply to electric cars as to combustion vehicles: liability is mandatory, partial and comprehensive cover are optional. Depending on the model and provider, premiums can differ from those of comparable combustion vehicles. Some insurers also offer special additional covers, for example for the battery or wallbox.

Question 18

What should I consider when insuring a leased vehicle?

Accepted Answer

For leased vehicles, the lessor usually requires comprehensive cover, in addition to the mandatory liability. Some leasing companies offer an integrated insurance. Clarify therefore before signing the contract which cover is required. If you want to insure independently, tell the lessor with which provider you conclude the contract.

Question 19

Am I insured when I drive someone else's car?

Accepted Answer

In the event of damage with someone else's car, the insurance of the vehicle driven is primarily responsible, so always clarify the cover there. Anyone who often drives other people's cars is well advised to have third-party driver cover. It is an add-on to private liability insurance and is not automatically included in every policy. Depending on the damage and the vehicles involved, several insurances may come into play.

Question 20

When can I cancel or switch my car insurance?

Accepted Answer

In Switzerland, you can usually cancel car insurance at the end of the insurance year. The notice period is usually one to three months before expiry, depending on the insurer, and is stated in the general insurance conditions. An extraordinary right of cancellation usually exists in the case of:a claima premium increasea change of vehiclea change of vehicle holderUntil when a switch is possible depends on the expiry date of your contract and this notice period. Cancellation is usually done in writing and must reach the insurer on time.

Question 21

What does bonus-malus mean in car insurance?

Accepted Answer

The bonus-malus system rates your premium according to your claims history. Those who drive accident-free move into a lower tier and pay less. After a self-inflicted accident, the premium rises. Because the systems and tiers differ between companies, comparing is worthwhile here too.

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