Liability insurance
In Switzerland, insurance third-party liability is compulsory for all vehicle owners. It covers damage caused to third parties, whether material or bodily, in the event of an accident for which you are responsible. This coverage is essential, as it prevents you from having to pay personally for repairs or medical expenses, which can be very costly. However, it does not cover damage to your own vehicle.
Partial comprehensive insurance
Insurance partial cover is an option that protects you against certain additional risks. It covers damage caused to your own vehicle, but only in well-defined circumstances such as :
- Theft
- The fire
- Damage caused by natural disasters (hail, floods, storms)
- Collisions with animals
- Glass breakage
This coverage is recommended if your vehicle has under 6 years or is of high value. It offers protection against events that are often unforeseeable, but does not include damage caused by accidents of your own making.
Comprehensive insurance
If you want maximum coverage, the comprehensive (or "all risks") is the most comprehensive solution. In addition to all the guarantees offered by partial casco, it also covers
- Damage to your own vehicle in the event of an accident, even if you are at fault.
- Damage caused by vandalism.
This insurance is particularly suitable if you have a new vehicle or top-of-the-range, or if you want to avoid having to pay out-of-pocket for repairs in the event of even a minor accident.
Deductibles and premiums: Striking a balance
In Switzerland, as with all insurance franchise (the amount you have to pay out of your own pocket in the event of a claim) and premiums (the amount you pay regularly for your insurance) are essential elements to consider.
Plus the franchise is higher, the lower the premiums, and vice versa. If you're a cautious driver, it may be worth opting for a higher deductible to reduce the cost of your premiums.
The premiums rates depend on a number of factors, including the driver's age, experience, car model and region. It's important to compare offers from different insurance companies to find the best value for money.
Additional warranties
Depending on your driving habits and needs, you may wish to consider additional insurance, such as :
- Breakdown assistance : In the event of breakdown or accident, this cover includes towing and roadside assistance.
- Legal protection : Helps you cover the costs of legal disputes arising from a road accident.
- Occupants' insurance : Covers injuries sustained by you or your passengers in an accident.
- Protection in the event of serious misconduct : It protects you against the reimbursement demanded by the insurer after an accident due to gross negligence.
Choosing the right car insurance
The choice of your car insurance cover in Switzerland depends on many factors, such as the following value your vehicle, your habits and your budget. With a combination of third-party liability, partial or fully comprehensive cover, and possibly supplementary insurance, you can find the right solution for your situation.
Take the time to compare and discuss with your insurer what is covered, to avoid unpleasant surprises in the event of a claim. A good coverage insurance gives you the peace of mind of knowing that you're protected against the unexpected.
- Use online insurance comparators to get an overview of prices and coverage.
- If your vehicle is old, comprehensive insurance may not be necessary. On the other hand, for a new vehicle, it may be worth the investment.
- Make sure you understand the exclusions and limitations of your insurance policy.
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