baloisedirect.ch car insurance

Below you can find information on the car insurance offered by baloisedirect.ch. It is divided into product characteristics, information about the insurance company, customer satisfaction and forum posts.
 

Products from baloisedirect.ch

BaloiseDirect - S

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

The deductible is CHF 500; for drivers aged under 26 this amount increases by CHF 1,000.


Liability insurance supplements
None


Comprehensive insurance
During the first two years of operation, claims are compensated based on the original value; from the 3rd year, claims are compensated based on the current value. A replacement value supplement is not available. If repair to damage covered by insurance is carried out by one of the insurer's partner companies, the deductible is reduced and the insurance provides additional services such as a courtesy car in case of a breakdown.


Partial casco
Includes damage due to theft, fire, natural hazards, glass breakage, collisions with animals, martens including consequential damage, malicious damage (including graffiti on the bodywork), assistance for accident victims, earthquakes and volcanic eruptions.

The deductible is CHF 500. If the repair is carried out by one of the insurer's partner companies, the deductible is reduced to CHF 200.


Collision casco
Includes damage due to collision and scratching on paintwork.

The deductible is CHF 1,000. If the repair is carried out by one of the insurer's partner companies, the deductible is reduced to CHF 700.


Comprehensive insurance supplements

  • Damage while parked in combination with collision casco: can be included up to the vehicle's 5th year of operation, unlimited sum, for a maximum of 2 claims per year
  • Damage while parked in combination with partial casco: can be included up to the vehicle's 5th year of operation, up to CHF 2,000, for a maximum of 2 claims per year
  • Items carried in the car (personal effects) up to CHF 2,000

Occupants insurance
Cover available


Specifics
BaloiseDirect products are fully automated and all in electronic format. Applications are completed online and all documents are available in the myBaloise customer portal. If the policyholder or applicant does not have a myBaloise portal account, one will be opened automatically. A mobile phone number is required to open a portal account.

 

BaloiseDirect - M

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

The deductible is CHF 0; CHF 1,000 for drivers aged under 26.


Liability insurance supplements
Bonus protection included


Comprehensive insurance
During the first two years of operation, claims are compensated based on the original value. From the 3rd year of operation, claims are compensated based on the replacement value supplement. From the 15th year of operation, claims are compensated based on the current value. If repair to damage covered by insurance is carried out by one of the insurer's partner companies, the deductible is reduced and the insurance provides additional services such as a courtesy car in case of a breakdown.


Partial casco
Includes damage due to theft, fire, natural hazards, glass breakage, collisions with animals, martens including consequential damage, malicious damage (including graffiti on the bodywork), assistance for accident victims, earthquakes and volcanic eruptions.

The deductible is CHF 300. If the repair is carried out by one of the insurer's partner companies, no deductible is applied.


Collision casco
Includes damage due to collision and scratching on paintwork.

The deductible is CHF 1,000. If the repair is carried out by one of the insurer's partner companies, the deductible is reduced to CHF 700.


Comprehensive insurance supplements

  • Bonus protection included
  • Damage while parked in combination with collision casco: can be included up to the vehicle's 5th year of operation, unlimited sum, for a maximum of 2 claims per year
  • Damage while parked in combination with partial casco: can be included up to the vehicle's 5th year of operation, up to CHF 2,000, for a maximum of 2 claims per year
  • Items carried in the car (personal effects) up to CHF 2,000
  • Headlights
  • Safety Package: “Carefree”. Includes: Gross negligence, cost of replacing keys and changing locks up to CHF 5,000, psychological support following an accident up to CHF 1,500, and road safety training following an accident up to CHF 500.

Occupants insurance

  • Sum payable at death CHF 10,000
  • Disability benefits CHF 150,000
  • Treatment costs


Specifics
BaloiseDirect products are fully automated and all in electronic format. Applications are completed online and all documents are available in the myBaloise customer portal. If the policyholder or applicant does not have a myBaloise portal account, one will be opened automatically. A mobile phone number is required to open a portal account.

 

BaloiseDirect - L

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

The deductible is CHF 0; CHF 1,000 for drivers aged under 26.


Liability insurance supplements
Bonus protection included


Comprehensive insurance
During the first two years of operation, claims are compensated based on the original value. From the 3rd year of operation, claims are compensated based on the replacement value supplement. From the 15th year of operation, claims are compensated based on the current value. If repair to damage covered by insurance is carried out by one of the insurer's partner companies, the deductible is reduced and the insurance provides additional services such as a courtesy car in case of a breakdown.


Partial casco
Includes damage due to theft, fire, natural hazards, glass breakage, collisions with animals, martens including consequential damage, malicious damage (including graffiti on the bodywork), assistance for accident victims, earthquakes and volcanic eruptions.

The deductible is CHF 0.


Collision casco
Includes damage due to collision and scratching on paintwork.

The deductible is CHF 500. If the repair is carried out by one of the insurer's partner companies, the deductible is reduced to CHF 200.


Comprehensive insurance supplements

  • Bonus protection included
  • Damage while parked in combination with collision casco: can be included up to the vehicle's 5th year of operation, unlimited sum, for a maximum of 2 claims per year
  • Damage while parked in combination with partial casco: can be included up to the vehicle's 5th year of operation, up to CHF 2,000, for a maximum of 2 claims per year
  • Items carried in the car (personal effects) up to CHF 2,000
  • Headlights
  • Breakdown assistance
  • Safety Package: “Own Damage”. Includes: Material damage to property, buildings or motor vehicles caused by the owner or persons living in the same household.
  • Safety Package: “Carefree”. Includes: Gross negligence, cost of replacing keys and changing locks up to CHF 5,000, psychological support following an accident up to CHF 1,500, and road safety training following an accident up to CHF 500.

Occupants insurance

  • Sum payable at death CHF 10,000
  • Disability benefits CHF 200,000
  • Daily allowance from 1st day CHF 40
  • Treatment costs


Specifics
BaloiseDirect products are fully automated and all in electronic format. Applications are completed online and all documents are available in the myBaloise customer portal. If the policyholder or applicant does not have a myBaloise portal account, one will be opened automatically. A mobile phone number is required to open a portal account.

 

Information about the insurance company

Insurance carrier
Baloise Insurance Ltd
Head office
Basel

Customer satisfaction with baloisedirect.ch

5.2 Competence and commitment of employees
4.9 Comprehensibility and clarity of customer information
4.8 Insurer's availability
4.8 Satisfaction with amount of premium
4.8 Handling of claims
5.0 Overall judgement

Experiences and questions regarding baloisedirect.ch in our forum

None

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