Baloise car insurance

Liability insurance
Insurance against liability claims of up to CHF 100 million resulting from the provisions of the road traffic laws. In addition, there is subsidiary liability cover for vehicles rented by the policyholder.

Casco insurance
In the event of a write-off, the amount reimbursed corresponds to the current value of the vehicle. The repair of insured damages is carried out by one of the insurer's partner companies and the insurance provides additional services, such as the provision of a replacement car, pick-up and delivery service, internal and external vehicle cleaning and a guarantee of a technically flawless repair. If the repair is not carried out by a partner company, the coinsurance increases by CHF 500.

Partial casco
Includes damage due to theft, fire, natural hazards, glass breakage, collision with animals, martens including consequential damage, malicious damage (including painting the bodywork) and assistance for accident victims.

Collision casco
Covers damages due to collisions and scratching on paintwork.

Additional cover

• Parking damage in combination with collision casco: can be included up to the 10th year of operation of the vehicle, sum unlimited, for a maximum of two damages per year.

• Parking damage in combination with partial casco: can be included up to the 10th year of operation of the vehicle, up to CHF 2000, for a maximum of two damages per year.

• Personal belongings up to CHF 2000.

Also note
BaloiseDirect products are fully electronic and automated. The policy can be taken out online and all documents go directly to the myBaloise customer portal. If the policyholder or applicant does not yet have a myBaloise portal account, this will be opened automatically. A mobile phone number is required to open a portal account.

Liability insurance
Insurance against liability claims of up to CHF 100 million resulting from the provisions of the road traffic laws. In addition, there is subsidiary liability cover for vehicles rented by the policyholder.

Liability insurance supplemental
Bonus protection included.

Casco insurance
In the event of a write-off, the amount reimbursed corresponds to the current value of the vehicle. The repair of insured damages is carried out by one of the insurer's partner companies and the insurance provides additional services, such as the provision of a replacement car, pick-up and delivery service, internal and external vehicle cleaning and a guarantee of a technically flawless repair. If the repair is not carried out by a partner company, the coinsurance increases by CHF 500.

Partial casco
Includes damage due to theft, fire, natural hazards, glass breakage, collision with animals, martens including consequential damage, malicious damage (including painting the bodywork) and assistance for accident victims.

Collision casco
Covers damages due to collisions and scratching on paintwork.

Supplemental

• Bonus protection included.

• Parking damage in combination with collision casco: can be included up to the 10th year of operation of the vehicle, sum unlimited, for a maximum of two damages per year.

• Parking damage in combination with partial casco: can be included up to the 10th year of operation of the vehicle, up to CHF 2000, for a maximum of two damages per year.

• Personal belongings up to CHF 2000.

• Lights and assistance systems.

• Safety component “carefree”. Includes: gross negligence, key replacement and lock change costs up to CHF 5000, psychological support after an accident up to CHF 1500 and driving safety training after an accident up to CHF 500.

Also note
BaloiseDirect products are fully electronic and automated. The policy can be taken out online and all documents go directly to the myBaloise customer portal. If the policyholder or applicant does not yet have a myBaloise portal account, this will be opened automatically. A mobile phone number is required to open a portal account.

Liability insurance
Insurance against liability claims of up to CHF 100 million resulting from the provisions of the road traffic laws. In addition, there is subsidiary liability cover for vehicles rented by the policyholder.

Liability insurance supplemental
Bonus protection included.

Casco insurance
in the first two years of operation, the replacement value is reimbursed. From the 3rd year of operation, the replacement value supplement is reimbursed. The repair of insured damages is carried out by one of the insurer's partner companies and the insurance provides additional services, such as the provision of a replacement car, pick-up and delivery service, internal and external vehicle cleaning and a guarantee of a technically flawless repair. If the repair is not carried out by a partner company, the coinsurance increases by CHF 500.

Partial casco
Includes damage due to theft, fire, natural hazards, glass breakage, collision with animals, martens including consequential damage, malicious damage (including painting the bodywork) and assistance for accident victims.

Collision casco
Covers damages due to collisions and scratching on paintwork.

Supplemental

• Bonus protection included.

• Parking damage in combination with collision casco: can be included up to the 10th year of operation of the vehicle, sum unlimited, for a maximum of two damages per year.

• Parking damage in combination with partial casco: can be included up to the 10th year of operation of the vehicle, up to CHF 2000, for a maximum of two damages per year.

• Personal belongings up to CHF 2000.

• Lights and assistance systems.

• Safety component “self-damage”. Includes: damage to property, buildings or motor vehicles caused by the owner or persons living in the same household.

• Safety component “carefree”. Includes: gross negligence, key replacement and lock change costs up to CHF 5000, psychological support after an accident up to CHF 1500 and driving safety training after an accident up to CHF 500.

Passenger accident insurance

• Sum payable at death: CHF 10,000.

• Lump sum disability benefits: CHF 200,000.

• Daily allowance from first day CHF 40.

• Medical expenses.

Also note
BaloiseDirect products are fully electronic and automated. The policy can be taken out online and all documents go directly to the myBaloise customer portal. If the policyholder or applicant does not yet have a myBaloise portal account, this will be opened automatically. A mobile phone number is required to open a portal account.