Car insurance
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Car Insurance Switzerland
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Fully digital – or fully personal
Comparison portals are not brokers and they always include only the standard price.
With us you can benefit from our collective discounts for your car insurance.
- We compare between all 11 car insurance companies in Switzerland
- You benefit from our collective discounts
- You can calculate an offer directly online and conclude it
Liability
Protection for third parties or property
The liability insurance for vehicles is mandatory in Switzerland and it covers damages to third parties that you caused by driving your vehicle. We recommend that you always take out a gross negligence policy, even if it is not compulsory.
Partial cover
Natural events
Partial casco coverage refers to damage that occurs to your vehicle, but not through your own fault, but such as fire, natural hazards, accidents with animals, vandalism, theft and glass breakage.
Fully comprehensive
Collision insurance – damage to your own vehicle
The coverage is designed to protect damage to your own vehicle, when it is your own fault, or if there is no natural damage or there isn’t a third party to be “accused”. This coverage is especially important for new vehicles and even mandatory for leased vehicles.
Parking damage
Who dented my car?
This coverage is used to cover damages caused by other persons to your parked car. This coverage is usually only available for vehicles that are not older than 5-7 years, except on expert inspection, for example in case of vintage cars.
Traffic legal protection
Support during disputes
Covers legal protection in traffic – note: may already be included in your private legal protection insurance.
Accident occupants
Capital and/or medical expenses for persons
This coverage is worthwhile if you often have other passengers in the vehicle, so that in the event of an accident, hospital and medical expenses, as well as any disability or death capitals, would be reimbursed by your insurance.
Assistance
Roadside assistance and emergency support
This is an additional coverage that is often recommended, but it is worth checking whether the car company does not already offer or include its own warranty or assistance coverage.
Bonus protection and gross negligence
Recommended Combi
We always offer these components and some companies already have them automatically included in the standard coverage.
Bonus protection, as the word suggests, is used to maintain your bonus level even after a claim.
Gross negligence also gives you coverage for damages resulting from gross negligence, but beware – there are some exclusions such as drug use/alcohol, etc.
Time value addition
Insure more than the declining value
Without this coverage, a vehicle is insured in a total loss for the effective current value – the older the vehicle, the less the value. With the current value add-on, you will be paid more than the effective current value of the vehicle in the event of a total loss.
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Important things to know about car insurance
How to compare car insurance
If you want to compare car insurance in Switzerland, there are a few factors to consider. Here are some steps you can take to make a good decision:
- Determine your needs: Before you start comparing, consider what type of car insurance you need. There are three main types: Liability insurance, partial and comprehensive casco insurance. Depending on how old your vehicle is and how much you use it, a certain type of insurance may be more appropriate than others.
- Search for quotes: Compare quotes from different insurance companies. You can do this online on the form on this page (oneZone has discounts from the insurance companies and usually offers cheaper) or ask the insurance companies directly. Be sure to compare like-for-like deals to make sure you’re getting the best price.
- Check the insurance terms and conditions: Once you’ve found a quote, be sure to read the policy terms carefully to make sure you understand all the important information. Pay attention to the coverage amount, deductible and exclusions.
- Compare customer reviews: Once you’ve decided on a quote, be sure to read the insurance company’s customer reviews. This can help you finding out if the company has a good reputation and if it is reliable.
- Now you can take out the car insurance and then you will receive the necessary documents by mail or post. With oneZone you have all documents directly available in the oneZone app.
Good luck in your search for the right car insurance in Switzerland!
When can I change or cancel my car insurance policy
The following are permitted reasons for cancelling your current car/motorcycle insurance and switch to another company:
- Vehicle change
- After a claim
- Holder change
- as a result of a premium increase (but not as a result of an age rate adjustment or change of residence)
- Premium increase or deductible correction done by the insurance company, or benefit changes (often called remediation, or imposition of aggravated conditions )
In the above-mentioned cases, the cancellation or change of insurer can be made as of the date of occurrence of the event. However, in the case of ordinary termination at the end of the contract, please consider the notice period, which can be 1, 3 or 6 months. However, for motor vehicles, it is 3 months in most cases.
Soon we will provide here some cancellation templates.
Does the Road Traffic Office inform my insurance company directly when I change or deposit my license plate?
When you deposit your license plate at the road traffic office, make a vehicle change or vehicle inclusion on a change plate, the road traffic office deposits a digital message that can be retrieved by the insurance company in the system. However, an automatic correction in the policy does not happen, so you must inform your insurance company or your advisor in each case so that the corresponding adjustment can also be made in your policy.
List of all road traffic offices in Switzerland.
Owner, driver, passengers- who is insured?
In an insurance policy, the car holder (owner) and policyholder can be the same person, but they do not have to be.
The premium rate depends on who is the most frequent driver. For this reason, the premiums for company vehicles are sometimes more expensive, because here often not one fix person but various drivers are insured and this would include also the tariff for young driver, which would be more expensive.
In addition to the driver and the owner, who are compulsorily mentioned in the policy, passengers can also be insured in the event of an accident (with capital and/ or medical expenses, as well as daily allowances).
Vehicle redeemed, insurance not yet taken out?
In order to redeem a vehicle, you need a digital insurance certificate that an insurance company can deposit electronically at the appropriate road traffic office and this is valid for 30 days. The insurance coverage is officially valid from the day of redemption – but beware: if it is not a new or leased vehicle, only the compulsory liability is covered in the event of a claim. Even if you have received an offer with comprehensive insurance, but you haven’t yet signed and returned it, and you have a comprehensive damage after the vehicle has been redeemed, the insurance company is not obliged to pay you the benefit for the comprehensive damage. Therefore, it is important that the applications are signed and returned to the insurance company or the responsible advisor, if possible, before the vehicle is redeemed, or as soon as possible after the vehicle is redeemed.
