Summary of the main types of cover

Liability insurance Compulsory insurance for damage that you cause to others with your vehicle Full casco Voluntary comprehensive cover combining partial casco and collision casco Partial casco Voluntary insurance for damage to your own car that was not caused by a collision Passenger accident insurance Covers the costs of treatment, daily allowances and capital benefits in the event of death or disability

Depending on the car insurance, add-ons can be included for extra cover. These include, for example: Replacement value supplement Insurance for damage while parked

Types of car insurance cover

Q: Sum insured

Full casco and partial casco insurance will reimburse the financial loss actually incurred. The maximum sum insured is generally limited to the purchase price of the insured vehicle plus accessories. A lower sum insured may apply to individual add-ons. Since vehicle liability insurance is compulsory, a statutory minimum sum insured applies. The legal minimum amount insured for a car is 5 million francs per accident.

Part of buying a car is getting the right insurance. Only third-party liability insurance is required by law – all other types and add-ons are optional and not needed by every motorist. You can also save money by choosing a higher excess/deductible. And when your vehicle reaches a certain age, it’s worth switching your insurance from full casco to partial casco.

Interesting facts about insurance cover

What is what?

Liability insurance
Compulsory insurance for damage that you cause to others with your vehicle
Full casco
Voluntary comprehensive cover combining partial casco and collision casco
Partial casco
Voluntary insurance for damage to your own car that was not caused by a collision
Passenger accident insurance
Covers the costs of treatment, daily allowances and capital benefits in the event of death or disability

The Comparis car insurance comparison tool helps you determine optimal insurance coverage based on vehicle and driver information. The following provides general information about car insurance cover.

Full casco and partial casco insurance will reimburse the financial loss actually incurred. The maximum sum insured is generally limited to the purchase price of the insured vehicle plus accessories. A lower sum insured may apply to individual add-ons.

Since vehicle liability insurance is compulsory, a statutory minimum sum insured applies. The legal minimum amount insured for a car is 5 million francs per accident.

GCI useful tips

The general conditions of car insurance (GCI) cover more than 20 pages for most insurance policies. It is important to be aware of the following three points in the contractual information:

Total loss compensation: how much money do you get when your car's a write off?
Bonus level system: how much discount do you get for no claims, and how much does your premium increase after a claim?
Damage while parked: how many claims for damage while parked are covered per year, and is there a maximum insured amount per case of damage while parked?

Go to overview of car insurance contracts

Features and add-ons

Find out more in our article on roadside assistance.

In addition to basic cover, you can choose various add-ons, such as gross negligence cover and bonus protection.

Depending on the car insurance, add-ons can be included for extra cover. These include, for example:

Most Swiss car insurers offer the possibility of a transferable number plate contract. This allows two cars to be registered under a single licence plate. However, only a few insurance companies offer an online calculation of premiums. Therefore, it is not currently not possible to calculate premiums for transferable number plate contracts on Comparis. More information on the subject of transferable number plates.