Cars & motorcycles
Loans & mortgages
Healthcare & pensions
The deductible, or excess, is the amount of money the policyholder is required to pay out of pocket in the event of a claim.
It applies to each claim paid for by the insurance company.
The amount of the deductible is specified in the insurance policy.
Insurance companies distinguish between three types of drivers:
Young drivers: Drivers under the age of 25 are considered young drivers. Their deductible is usually CHF 1,000.
New drivers: These are drivers aged 25 and over who have had their driving licence for less than 2 years. Learner's permits are not considered driving licences in this case. The deductible for new drivers is usually CHF 500.
Other drivers: These include all drivers aged 25 and over who have had their driving licence for at least two years when the event of damage occurred. They are usually not subject to a deductible.
The policy states both the amount and all cases in which the deductible must be paid. The exact amounts vary with each insurance company.
Examples of claims that may be subject to a deductible:
It is more advisable to choose a higher deductible for collision damage since it reduces the premium considerably more than a higher deductible for partial casco insurance, provided, however, that you are prepared to assume higher costs in the event of damage.
Back to top
Stay up-to-date with the latest savings deals as well as expert tips on health, money and tax.
By registering, I agree to my data being processed in accordance with the data privacy statement of comparis.ch.