Breakdown assistance insurance
Breakdown cover is often underestimated, but it proves invaluable when a vehicle breaks down. outage.
It covers the costs of roadside assistance, such as towing of the vehicle to the nearest garage, or the travel of a mechanic to attempt to repair the vehicle on site. In Switzerland, this cover is often limited to one or two incidents per year, which is convenient for most drivers. This insurance reduces the stress and unforeseen costs in the event of a breakdown.
Why is it useful?
In the event of a breakdown away from home, the towing costs can quickly escalate. This insurance offers peace of mind and guarantees that you'll never be left by the side of the road in trouble.
Parking damage insurance
Another interesting supplementary insurance is the insurance against parking damage. This coverage protects against dents, scratches and other damage caused to your vehicle while parked, often by unknown drivers.
These incidents are frequent in heavily frequented parking lots, or where narrow manoeuvres can cause minor but costly damage.
The benefits of parking damage insurance
Without this insurance, repair costs would be borne entirely by the customer. load from owner. By including this option in your coverage, you can have parking damage repaired without too much hassle and without assuming the costs yourself.
Occupant accident insurance
Occupants' accident insurance covers recovery costs for the driver and passengers in the event of accident-related injuries.
In most cases, passengers are already covered by non-occupational accident insurance (AANP), if they work at least 8 hours a week in the same company, or by accident insurance under the LAMal.
Why choose this cover?
Medical expenses can be highThis insurance provides financial support to cover the care of those injured in the accident. It is particularly reassuring for drivers who regularly carry passengers, whether family members, friends or colleagues.
Insurance for transported objects
Insurance for transported items protects personal property in the car at the time of the accident.
This includes objects such as electronic devices, sports equipment or personal effects. It covers damage to transported objects.
This option is particularly recommended for people who regularly carry valuables in their car. However, it is essential to understand the limits of coverage, as some companies may exclude items or set reimbursement ceilings.
Traffic legal protection insurance
Some insurance companies also offer a traffic legal protection insurance. This coverage helps policyholders meet the legal costs associated with road accidents and traffic disputes.
Legal proceedings can be lengthy and costly, and this protection guarantees that you have a financial support to cover lawyers' fees, court costs or even expert appraisal costs.
Why is it recommended?
The complexity of traffic laws can lead to legal disputes, whether it's a question of contesting a fine or a question of defend your rights in the event of a dispute following an accident.
This insurance protects you from unexpected financial charges linked to traffic disputes.
Protection against damage abroad
Finally, some Swiss insurers offer protection against damage abroad. This coverage is particularly interesting for drivers who travel often in countries with low liability insurance rates.
It guarantees that your civil liability rights will be respected, even abroad, by protecting you against the costs of repairing your vehicle or compensating for damage caused to others.
When is it essential?
In case ofaccident abroadEspecially in countries where insurance is inexpensive and therefore often less protective, this insurance guarantees that you won't be faced with complicated procedures and high costs to assert your rights as a Swiss driver.
Conclusion
Supplementary car insurance in Switzerland allows you to tailor your cover to the specific risks that each driver may encounter, whether on the road or parked.
Before taking out supplementary insurance, however, it's important to assess your needs, compare offers and check coverage limits and exclusions.
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