
Gross negligence
What are gross negligence and gross negligence cover?
From CHF 29 per month
Information on the calculation basis: *Person: Born 1 June 1986, female, resident in 8400 Winterthur, nationality: Switzerland
Car: Fiat 500 Electric mod. 2022 type certificate 01xx664 / 0 damage last 5 years / no leasing / catalogue price CHF 44 490
Coverage modules: Compulsory third-party liability and partial casco.
Start of insurance 01.03.2024, annual payment method, offer date 01.02.2024, price rounded.
Insure your car now
What does gross negligence mean?
What are the consequences of gross negligence?
An example of gross negligence
Swipe to view more
Damage to the body of the other car | 14,000.– |
Costs of hospital treatment | 30,000.– |
Driver’s lost earnings | 6000.– |
Total liability claim | 50,000.– |
Insurance company’s recourse 20 % | 10,000.– |
Gross negligence cover – how to protect yourself against the financial consequences
For just a few francs per year, most car insurance companies offer a recourse waiver for gross negligence – depending on the insurer, the component in question could be called either «gross negligence cover» or «gross negligence waiver». It is definitely worth paying the additional premium: if you cause an accident by an act of gross negligence, the insurance will still pay the entire claim.
This does not include accidents in which you were unfit to drive, however – for instance because you were excessively tired or under the influence of alcohol, drugs or medication. The insurance company also will not pay if you caused the accident by excessive speeding.
Who is gross negligence cover suitable for?
No one is immune to acts of carelessness on the road. And even if you are one of that rare breed of people who never make mistakes, a gross negligence waiver can still be worthwhile. This is because the cover extends to everyone who drives your car, from family to colleagues to your neighbours.
Incidentally, if you are on foot or riding your bike, your private liability insurance will cover you if you cause damage or injury to someone else. Just as in liability insurance for cars, gross negligence cover can also be included in private liability insurance, which could come in handy if you cause an accident because you are engrossed in your smartphone, for example.
Summary
CALCULATE YOUR PREMIUM IN JUST A FEW STEPS
SERVICES
Contact
Downloads
Report a claim
Car insurance
Liability insurance