Attractive Premiums
Conclude Easily Online
Outstanding Customer Service
Online Car Insurance
The best protection for your car
With our car insurance, you get peace of mind at an affordable price. Whatever happens, we will assist you quickly and without any red tape so that you are back on the road in no time.
THIS IS INCLUDED
Interested in insuring an electric car? This way, please.
Here is everything you get with our vehicle insurance:
Third-party liability for your car – the compulsory basic protection
Third-party liability insurance for your car is compulsory. In fact, you can only register your car with the certificate of insurance.
Third-party liability insurance covers damage that you cause to others with your car. For example, if you touch your neighbour's garden fence when manoeuvring.
Third-party liability insurance covers damage that you cause to others with your car. For example, if you touch your neighbour's garden fence when manoeuvring.
Good to know:
Partially comprehensive and collision cover – for damage to your car
Damage to your own car can happen quickly. In these cases, our comprehensive insurance comes into play.
Our partially comprehensive insurance covers damage that neither you nor another driver has caused (e.g. hail, theft or marten bites).
Fully comprehensive insurance comprises partially comprehensive and collision coverage. It also covers damage to your own vehicle that you cause yourself. For example, if you hit a pole during a parking manoeuvre.
Good to know:
When concluding the contract, be sure to record the value of your vehicle’s accessories correctly. If the amount you indicate is too low, you risk underinsurance and thus a reduction in the indemnity paid out in the event of a claim. What counts as accessories depends heavily on the make of car – it typically includes optional equipment such as permanently installed navigation devices or special wheel rims. You can find the exact value of the accessories in the purchase contract. Or you can simply ask the car dealer that you bought the vehicle from. If you don’t provide details of your car’s accessories, 10% of your vehicle’s list price will be insured as accessories. We will indicate the value of the accessories in your insurance policy.
ADDITIONAL COVERAGES
Our insurance for your car is modular and can be flexibly adapted to your needs. Choose from the following additional modules:
Roadside assistance
We assist you quickly and without any red tape in an emergency – be it a breakdown, an accident or theft, 24 hours a day and also in neighbouring countries. Standard coverage includes, for example, the following services:
- We recover your vehicle and tow it away.
- We pay for your overnight stay and your journey home.
- We deliver the necessary spare parts.
For even more support, there is our additional "Assistance Top" coverage. This covers the following services, for example:
- We cover the costs of a rental or replacement car during the repair of your vehicle (including additional costs for a navigation device or child seats).
- We provide you with our interpreting service in the event of communication problems abroad.
- We also guarantee the return journey home of your cat or dog
Gross negligence
It's easy to make mistakes. With this option, we waive the reduction in indemnity if you caused an accident through gross negligence. You can find more information in our guide on gross negligence.
Parked-vehicle damage
This supplement to the partially comprehensive cover insures damage that unknown persons cause to your parked car – and do not report. You can find more information in our
guide to parked-vehicle damage.
Traffic legal protection
Accidents can quickly have legal implications. Our traffic legal protection insurance supports you in all legal matters related to public and private transport – regardless of whether you are travelling by car, train or on foot.
In the event of a legal dispute, we cover costs of up to CHF 750,000 throughout Europe and CHF 150,000 worldwide. In addition, you have unlimited access to legal information over the phone from our experienced lawyers on all matters related to road traffic.
FREQUENTLY ASKED QUESTIONS – AND THE PROPER ANSWERS
The premium for your car insurance depends on a number of factors. On the one hand, of course, it is based on the types of cover you select. Third-party liability on its own generally costs much less than fully comprehensive/collision insurance. Your personal details, such as the canton you live in, are also a factor. And, of course, the vehicle to be insured. The rule here is usually: the higher the horsepower, the higher the premium.
Yes, you can find out more about our electric car insurance here.
Just moved from Germany to Switzerland? First of all, welcome! As you have probably noticed, things work a little differently here. In Switzerland, car insurance is simply called «Autoversicherung» rather than «KFZ-Versicherung». Our advisors will be happy to explain to you in person over the phone what else you should consider in terms of insurance when moving to Switzerland. And if you are not yet familiar with the local conventions, our legal protection insurance could be worthwhile. With this affordable cover, you have experienced lawyers at your side at all times to provide help when you need it. The policy is completely digital and can be cancelled monthly.
No. Additional drivers do not have to be specially declared. Our car insurance covers the vehicle listed in the policy. Everyone who possesses a valid driving licence may drive the insured vehicle and is insured accordingly, including new drivers. The important thing is to correctly name the most frequent driver when you take out your policy.
No. You simply need a transferable licence plate that you can use for both vehicles. Please contact us if you would like a transferable licence plate.
No, breakdown assistance costs CHF 48 per year and must be concluded separately.
Yes, fully comprehensive insurance automatically includes partially comprehensive cover. The latter can also be insured separately, however.
Partially comprehensive insurance covers losses that you have no control over, such as hail damage, severing of cables by martens or glass breakages. You can find more information on partially and fully comprehensive cover here.
In the event of a claim, we will organise the repairs for you at one of our certified partner companies. This includes:
- a convenient collection and delivery service
- a replacement vehicle for the duration of the repair work
- a three-year guarantee on the repairs
For events that are not insured, such as vehicle services or defects that are covered by the guarantee, you can go to any garage you like.
Residents of Switzerland are generally insured against accidents by their employer or their health insurer. The accident insurance component of car insurance is a form of supplementary cover for children, pets and people from other countries. Our accident insurance pays immediately and covers medical costs, including on a private ward.
No, we only insure vehicles that are registered as private cars.
No. But if you have the glass damage repaired by our partner Carglass, the deductible will not be applied.
If you do not record the value of your vehicle’s accessories correctly, there is a risk of underinsurance – and thus of a reduction in indemnity in the event of a claim. Unless you indicate otherwise, equipment and accessories worth up to 10% of the list price will be automatically included in the insurance.
By stating the correct value when taking out the contract. The value of the accessories is generally indicated in the purchase contract for your vehicle. If this is not the case, the best thing to do is to ask the dealer that you bought the car from. The value of the car’s accessories is shown in your insurance policy in order to document exactly what is insured.
WE ARE THERE FOR YOU
We are available by telephone from Monday to Friday from 7.30 am to 5 pm.
HOW IT WORKS
- Enter your details
To calculate your premium, we need some information about you and the thing you wish to insure.
- Select the cover you want
Choose the precise type of insurance that is right for you, and customise your policy according to your individual needs by selecting the appropriate types of supplementary cover.
- Take out a policy or request a quote
Take out your policy conveniently online, or arrange for a quote to be sent to you if you still need some time to think.
We would like to thank our customers for their fantastic feedback!
Google Rating / 4,6 Stars
Customer satisfaction / 4,6 Stars
Results of our ongoing customer satisfaction scores.
Status as of: end of Q2 2024 / 23 062 customer feedbacks
Status as of: end of Q2 2024 / 23 062 customer feedbacks
SERVICES
Contact
Whether it’s for feedback, advice or support, you will find our contact information here.
Downloads
Want to know the exact details? All our documents are available here for you to download, save and read at your leisure.
Report a claim
A loss can happen in the blink of an eye. Thanks to our 24/7 claims service, you can report it quickly, too.
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