Smile car insurance

Third-party liability insurance
Covers warranted claims resulting from the provisions of road traffic law and defence against unwarranted claims for the policyholder, up to CHF 100 million per case.

Deductible for the main driver: CHF 0. Deductibles for all other drivers: young drivers CHF 1,000, new drivers CHF 500, all others CHF 0.

Bonus protection available (this corresponds to a guarantee of the current bonus level, i.e. no downgrading regardless of the number and amount of claims).

Comprehensive insurance
The compensation paid under the replacement value supplement in the event of a write-off corresponds to the market standard.

Partial casco
Cover includes damage due to fire, theft, liquids, snow slides, natural hazards (e.g. storms, hail, floods), crashing aircraft , collisions with animals, animal bites, glass breakage, vandalism (including cleaning costs for graffiti on the bodywork and slashes to a convertible’s soft top), and damage to personal items. 
The deductibles available for partial casco claims are (in CHF) 0, 300, 500 or 1,000.

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

Comprehensive insurance endorsements

• Insurance against damage while parked: available options are CHF 1,000 or CHF 3,000

• Bonus protection available (this corresponds to a guarantee of the current bonus level, i.e. no downgrading regardless of the number and amount of claims).

Passenger accident 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.

Waiver of gross negligence
This covers against a reduction of benefits in the event of accidents caused by gross negligence. This applies to all types of coverage.

Specifics

• Breakdown insurance available

• Motor or traffic legal protection available

• Period of notice: 1 month

• Period of insurance: 1 year

• If the contract is cancelled during the insurance year, the premium refund exceeds the legal requirements (not only in case of cancellation due to a change of vehicle, but also when depositing number plates and re-registering with another insurance company, moving to another canton and in case of changes with regard to transferable number plates).

Third-party liability insurance
Insurance against liability claims resulting from the provisions of the road traffic laws.

Covers warranted claims resulting from the provisions of road traffic law and defence against unwarranted claims for the policyholder, up to CHF 100 million per case.

Deductible for the main driver: CHF 0. Deductibles for all other drivers: young drivers CHF 1,000, new drivers CHF 500, all others CHF 0.

Comprehensive insurance
The compensation paid under the replacement value supplement in the event of a write-off corresponds to the market standard.

Partial casco
Cover includes damage due to fire, theft, liquids, snow slides, natural hazards (e.g. storms, hail, floods), crashing aircraft , collisions with animals, animal bites, glass breakage, and vandalism (including cleaning costs for graffiti on the bodywork and slashes to a convertible’s soft top).

The deductibles available for partial casco claims are CHF 500 or CHF 1,000.

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

Passenger accident 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.

Waiver of gross negligence
This covers against a reduction of benefits in the event of accidents caused by gross negligence. This applies to all types of coverage.

Specifics

• Breakdown insurance available

• Motor or traffic legal protection available

• Period of notice: 1 month

• Period of insurance: 1 year

• If the contract is cancelled during the insurance year, the premium refund exceeds the legal requirements (not only in case of cancellation due to a change of vehicle, but also when depositing number plates and re-registering with another insurance company, moving to another canton and in case of changes with regard to transferable number plates).

Third-party liability insurance
Covers warranted claims resulting from the provisions of road traffic law and defence against unwarranted claims for the policyholder, up to CHF 100 million per case.

Deductible for the main driver: CHF 0. Deductibles for all other drivers: young drivers CHF 1,000, new drivers CHF 500, all others CHF 0.

Bonus protection available (this corresponds to a guarantee of the current bonus level, i.e. no downgrading regardless of the number and amount of claims).

Comprehensive insurance
The compensation paid under the replacement value supplement 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
Cover includes damage due to fire, theft, liquids, snow slides, natural hazards (e.g. storms, hail, floods), crashing aircraft , collisions with animals, animal bites, glass breakage (including small glass parts such as bulbs and LED), vandalism (including cleaning costs for graffiti on the bodywork and slashes to a convertible’s soft top), and damage to personal items. 
The deductibles available for partial casco claims are (in CHF) 0, 300, 500 or 1,000.

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

Comprehensive insurance endorsements

• Insurance against damage while parked: available options are CHF 3,000 or unlimited benefits

• Bonus protection (this corresponds to a guarantee of the current bonus level, i.e. no downgrading regardless of the number and amount of claims).

Passenger accident 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.

Waiver of gross negligence
This covers against a reduction of benefits in the event of accidents caused by gross negligence. This applies to all types of coverage.

Specifics

• Breakdown insurance available

• Motor or traffic legal protection available

• Period of notice: 1 month

• Period of insurance: 1 year

• If the contract is cancelled during the insurance year, the premium refund exceeds the legal requirements (not only in case of cancellation due to a change of vehicle, but also when depositing number plates and re-registering with another insurance company, moving to another canton and in case of changes with regard to transferable number plates).