
Tips for new drivers – 6 points you should pay attention to when insuring your car
1. New drivers or young drivers? The difference:
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.
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2. Liability or casco insurance? The right car insurance for new drivers
There is no adequate insurance for new drivers. The needs and budgets are too different. So that you can find the right offer for you, we have summarized here the most important features of the liability insurance, partial casco and full casco for you. And for more details on casco insurance, here is our casco insurance guide.
- Liability: The liability insurance covers damage you cause to third parties with your vehicle - for example if you touch another car while parking or if you hit a cyclist when turning with your car. It is compulsory in Switzerland and is a prerequisite for the registration of your vehicle. Among other things, new drivers in particular should ensure that their liability insurance includes protection against negligence (as those who have not yet collected many kilometers will quickly neglect a right of way or a stop sign).
- Partial casco: Roughly speaking, partial casco covers damage to your vehicle for which neither you nor another driver is at fault. For example, it pays for a crack in the windscreen, hail damage or martens bites. No matter whether it is a new driver or a more experienced person, partial casco always makes sense.
- Full casco: The full casco insurance protects you from the consequences of a collision, whether with a pole or another vehicle. In contrast to partial casco, full casco insurance also covers damage to your car for which you are responsible. This makes it the ideal protection for beginner drivers and novices who do not have much experience in road traffic.
3. Deductible for novice drivers: it is worth comparing
4. Drive defensively and cheaply
5. No drinking and driving
6. Starting and passing the WAB course
Conclusion
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