smile.direct car insurance

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

Products from smile.direct

clever

Liability insurance endorsements

  • Waiver of subrogation and reduction of benefits in case of gross negligence
  • Bonus protection for one claim per year

Comprehensive insurance
The compensation paid under the replacement value endorsement in the event of a total loss is rather low with this option compared to other offerings.


Partial casco
Includes damage due to fire, theft, alpine hazards, storms, floods, collisions with animals, martens, hailstorms, glass breakage, vandalism and damage to personal effects.
The deductible for partial casco is CHF 200.


Collision casco
Includes damage due to collision as well as deliberate or malicious acts of third parties.


Comprehensive insurance endorsements

  • Insurance for damage while parked with unlimited benefits
  • Bonus protection for one claim per year

Occupants insurance
Insurance available for lump sum death and disability benefits and daily allowances for a hospital stay or loss of ability to work as well as for treatment costs.


Specifics

  • Breakdown insurance available
  • If repair is necessary, equivalent non-OEM (or aftermarket) spare parts or alternative repair methods may be used instead of branded (or OEM) parts following prior consultation with the insurer and if the mechanic deems it reasonable
  • The period of notice is one month instead of the usual three months
  • Generally, 1-year contracts are offered
  • If the contract is cancelled during the insurance year, the premium refund exceeds the legal requirements by far (not only in case of cancellation due to change of vehicle, but also when returning number plates and re-registering with another insurance company, moving to another canton and in case of changes with regard to transferable number plates)
 

budget

Liability insurance
Insurance against liability claims resulting from the provisions of the road traffic laws.


Liability insurance endorsements

  • Bonus protection for one claim per year
  • Waiver of subrogation and reduction of benefits in case of gross negligence

Comprehensive insurance
The compensation paid under the replacement value endorsement in the event of a total loss is rather low with this option compared to other offerings.


Partial casco
Includes damage due to fire, theft, alpine hazards, storms, floods, collisions with animals, martens, hailstorms, glass breakage and vandalism.
The deductible for partial casco is CHF 300.


Collision casco
Includes damage due to collision as well as deliberate or malicious acts of third parties.


Comprehensive insurance endorsements

  • Insurance for damage while parked up to a limit of CHF 3000
  • Bonus protection for one claim per year

Occupants insurance
Insurance available for lump sum death and disability benefits and daily allowances for a hospital stay or loss of ability to work as well as for treatment costs.


Specifics

  • Breakdown insurance available
  • If repair is necessary, equivalent non-OEM (or aftermarket) spare parts or alternative repair methods may be used instead of branded (or OEM) parts following prior consultation with the insurer and if the mechanic deems it reasonable
  • The period of notice is one month instead of the usual three months
  • Generally, 1-year contracts are offered
  • If the contract is cancelled during the insurance year, the premium refund exceeds the legal requirements (not only in case of cancellation due to change of vehicle, but also when returning number plates and re-registering with another insurance company, moving to another canton and in case of changes with regard to transferable number plates)
 

premium

Liability insurance
Insurance against liability claims resulting from the provisions of the road traffic laws.


Liability insurance endorsements
Bonus protection is insurable. This corresponds to a guarantee of the current bonus level (no downgrading independent of the number and amount of damages).


Comprehensive insurance
The compensation paid under the replacement value endorsement in the event of a total loss is better than average. In case of a partial loss, benefits include storage charges and cost of a replacement car.


Partial casco
Includes damage due to fire, theft, alpine hazards, storms, floods, collisions with animals, martens, hailstorms, glass breakage (including small glass parts), vandalism and damage to personal effects (including electronic devices).
The deductible for partial casco is CHF 0.


Collision casco
Includes damage due to collision as well as deliberate or malicious acts of third parties.


Comprehensive insurance endorsements

  • Insurance for damage while parked with unlimited benefits including cleaning costs in case of graffiti and spraying on paintwork
  • Bonus protection (this corresponds to a guarantee of the current bonus level, i.e. no downgrading independent of the number and amount of damages)

Occupants insurance
Insurance available for lump sum death and disability benefits and daily allowances for a hospital stay or loss of ability to work as well as for treatment costs.


Specifics

  • Breakdown insurance available
  • Waiver of subrogation and reduction of benefits in case of gross negligence can be bought
  • If repair is necessary, equivalent non-OEM (or aftermarket) spare parts or alternative repair methods may be used instead of branded (or OEM) parts following prior consultation with the insurer and if the mechanic deems it reasonable
  • The period of notice is one month instead of the usual three months
  • Generally, 1-year contracts are offered
  • If the contract is cancelled during the insurance year, the premium refund exceeds the legal requirements (not only in case of cancellation due to change of vehicle, but also when returning number plates and re-registering with another insurance company, moving to another canton and in case of changes with regard to transferable number plates)
 

Information about the insurance company

Insurance carrier
smile.direct insurances, branch office of the Helvetia Swiss Insurance Company Ltd
Head office
Wallisellen

Customer satisfaction with smile.direct

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

Experiences and questions regarding smile.direct in our forum

None

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