This insurance coverage is supplementary to comprehensive insurance and covers damage to your parked vehicle caused by unknown third parties.
Stationary insurance is usually only available for newer vehicles and for a limited amount of time.
Many types of intended damage to your vehicle caused by third parties ( Vandalenakte) are covered by comprehensive insurance.
Stationary insurance for cars will provide additional coverage for the following acts of vandalism caused by unknown third parties:
- dents,
- damage to paintwork,
- and sometimes damage due to painting or spraying your vehicle.
For motorbikes, stationary damage is sometimes directly covered by partial cover insurance - however, in a limited amount and generally without coverage of damage to paintwork. .
Collision insurance covers stationary damage after deduction of the agreed retention.
Insurance companies usually require a police report as proof of damage.
Tip:
There is a national guarantee fund accessible to all insured customers through their motor vehicle third party insurance. Each customer pays a small contribution to this fund included in the third party premiums.
The fund will cover costs after deducting CHF 1,000.-- for retention for damage caused by unknown or uninsured vehicles as long as damage is not already covered by another insurance provider. A police report must be provided.
Phone Swiss National Guarantee Fund 0800 831 831
