All vehicles registered in Switzerland must have liability insurance.
The various types of car insurance coverage
There are 4 different levels of car insurance coverage in Switzerland:
With the exception of liability insurance, all types of coverage are optional. Liability and partial or fully comprehensive coverage insure the vehicle and not the owner. Damages are therefore covered irrespective of who was driving.
Liability insurance: It is mandatory and defined by law. It covers bodily and material damage caused by the vehicle to third parties. In the area of liability insurance, most insurance companies offer the same security. It is therefore worth comparing premiums.
Partial coverage: It is optional and covers a wide range of risks, which can be combined in various ways depending on the insurance company: Theft, damage from natural forces, fire, vandalism, martens, collision with animals, glass breakage etc.
Collision insurance It is optional and covers damage to the vehicle caused by yourself. It is supplementary to partial coverage and cannot usually be taken out separately.
Some insurance companies call the combination of partial and collision coverage fully comprehensive insurance. The latter is regulated by a bonus-malus system which varies according to the insurance company.
Passenger accident insurance: It is optional and covers bodily damage to the driver and passengers (medical costs, daily compensation for a hospital stay or inability to work). It can be taken out separately for the driver, front-seat passenger or for all passengers.
This coverage is superfluous if the passengers are either covered by health insurance or are insured against accidents by their employer.
Car insurance premiums
Premiums offered by different insurance companies can vary enormously - so, it's worth comparing. Find the cheapest car insurance to suit your needs quickly and easily and request an offer:
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