Car insurance

1 Vehicle, driver and cover
2 Additional questions and discounts
3 Overview of results
4 Request quote

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Vehicle data

Search car by

Make

Type certificate

1st registration

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First registration

The date on which the vehicle was first registered to a number plate.

This date can be found on panel 36 of your vehicle registration document (month and year).

Type certificate

Choice of vehicle

Type

– Please select –

Please select the exact vehicle type.

Price of accessories in CHF

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Price of accessories

With most insurance companies, standard coverage includes car accessories valued at 10% of the vehicle's catalogue price. If your car's accessories are more or less valuable, you can adjust the proposed amount accordingly.

Year of vehicle purchase

Is the vehicle leased?

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Leasing

If you lease a vehicle, you must take out collision casco or full casco insurance (= comprehensive and collision insurance) with the replacement value supplement.

Yes

How many km do you drive per year?

Purpose of use

Private

Commute

Business More information

Company vehicles

Please note that insurance for company vehicles can usually not be bought online.

Garage

Canton of registration

Main driver details

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Main driver

Please specify the person using the vehicle most often.

Is the main driver also the holder of the policy?

Yes

Gender

Female

Male

Date of birth

Please enter a valid date.

Date of issue of driving licence (category B)

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Category B driving licence

On the new Swiss driving licence, the date of the driving exam is noted on the back side under item 10, category B.

Please enter a valid date.

Country of citizenship

Residence permit

Date of issue of residence permit

Please enter a valid date.

Postcode of place of residence

Optional: Are you a homeowner?

Yes

Number of children (also of full age)

Age of youngest child

Current/Previous insurer

Do you have / have you ever had insurance for a motorcycle/scooter?

Yes

From which insurance company?

Do your parents have a motor vehicle insurance?

Yes

From which insurance company?

Do other people drive the car?

Yes

Do any of them not live in the same household?

Yes

Do any of them have a learner's licence or probationary licence?

Yes

Are any of them under the age of 25?

Yes

Policyholder details

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Policyholder

The policyholder is the person who takes out the insurance and thus has the associated rights and responsibilities.

Gender

Female

Male

Date of birth

Please enter a valid date.

Country of citizenship

Residence permit

Date of issue of residence permit

Please enter a valid date.

Postcode of place of residence

Effective date of insurance

Details of insurance cover

Comparis can work out the best cover for you and your vehicle and ensure you get the best value for money.

Use the cover proposed by Comparis?

Yes

No, I want to choose the cover myself

More information

Basic coverage

Our recommendation (pre-selection) for the basic coverage depends on the vehicle's age and whether it is leased or not:

Leased vehicles: collision casco is mandatory
Age of vehicle up to 4 years: collision casco is recommended
Age of vehicle up to 8 years: partial casco is recommended

Basic coverage

Liability (mandatory)

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Why do I need liability insurance?

Liability insurance is mandatory and covers damage you inflict on others with your vehicle.

Partial casco

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Partial casco

Partial casco (or collision insurance) covers the following risks:

Theft of the vehicle
Natural hazards such as hailstorms, landslides, flooding, etc.
Damage to windows and possibly also other parts of the vehicle made of glass or glass-like materials
Collision with animals
Acts of vandalism such as intentionally broken aerials, screen wipers or wing mirrors, punctured tyres
Damage caused by martens

Tip: Since repair costs for replacing the windscreen etc. do not necessarily decrease with increasing vehicle age, it may well be worth buying partial casco insurance for older cars, too.

Full casco (partial & collision casco)
(mandatory for leased vehicles)

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Collision casco

Collision casco insurance covers damage to the insured vehicle caused by the driver him-/herself. Leasing companies usually require collision insurance for leased vehicles.

Recommended for newer vehicles up to about 4 years.

Supplementary coverage

Bonus protection

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Bonus protection

This endorsement makes sure that the bonus level – and thus the premium – does not increase in the insurance year following a one-time (sometimes also repeated) claim(s).

Yes

Bonus protection

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Bonus protection

This endorsement makes sure that the bonus level – and thus the premium – does not increase in the insurance year following a one-time (sometimes also repeated) claim(s).

Liability

Casco

Liability + casco

Items carried in the car

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Personal belongings / items carried in the car

Damage to or destruction of items carried along by the driver or passengers for their personal use, provided the vehicle has suffered damage covered under casco insurance
Theft, if the effects (items) were located in the fully locked car

Please note that these benefits are usually – at least in part – covered by home contents insurance (simple theft away from home).

2,000

3,000

4,000

5,000

Damage while parked

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Damage while parked

Insurance for damage while parked covers damage inflicted on your parked vehicle by unknown third parties.

Recommended for newer vehicles that are often parked outside. Can often only be bought in combination with collision casco.

Yes

Damage while parked: unlimited amount?

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Damage while parked – unlimited insurance sum

If the insurance sum is unlimited, the amount of damage does not matter.

Yes

Occupants insurance

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Occupants insurance

Treatment costs
Daily allowance in case of hospitalization or incapacity for work
Lump-sum death benefits
Lump-sum disability benefits

Usually needless, as in Switzerland almost everyone is covered by health insurance or non-occupational accident insurance. Persons living in Switzerland with a Schengen visum are likewise required to have health and accident insurance. This coverage is only recommended for persons who often have guests from abroad in their car who do not need a visa and come from a country without mandatory insurance.

Yes

Insured persons

Driver

Front-seat passenger

All

Lump-sum death benefit in CHF

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Lump-sum death benefit

The lump-sum death benefit is the amount of money that is paid to the survivors in the event of the insured person's death.

20,000

30,000

40,000

50,000

Lump-sum disability benefit in CHF

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Lump-sum disability benefit

In the event of disability, the disability insurance pays the sum insured as stipulated in the contract. In case of total disability, the full insurance sum is disbursed. In case of partial disability, a corresponding percentage of the sum is disbursed.

50,000

60,000

80,000

100,000

Daily allowance in CHF

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Daily allowance

Many providers of motor vehicle insurance offer the option of including coverage for a daily allowance of generally 25 to 50 francs in occupants insurance. This allowance is paid if an insured person is temporarily unable to work following an accident in the vehicle in question. This allowance is usually disbursed in addition to any allowance from the mandatory accident insurance that one has through one's employer, for instance.

Daily hospital allowance in CHF

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Daily hospital allowance

The daily hospital benefits insurance pays the insured person a previously agreed per diem for every day spent in hospital (up to 730 days).

Deductible

Deductible for partial casco

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Deductible for partial casco

Hardly pays off with partial casco (i.e. comprehensive insurance) as you save relatively little on premiums.

300

500

1,000

2,000

Deductible for collision casco

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Deductible for collision casco

A higher deductible for collision claims reduces the premium considerably more than a higher deductible for partial casco. We therefore recommend the former provided you are willing to bear a greater part of the costs in the event of a claim.

500

1,000

2,000

5,000

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