Summary of the main coverage types

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

Car insurance coverage

Q: Sum insured

Full casco - and partial casco insurance compensate for the actual financial loss incurred. The maximum sum insured is usually limited to the purchase price of the insured vehicle plus accessories . Individual coverage modules may have lower sums insured. Liability insurance for your car is compulsory. There is also a statutory minimum sum insured for liability. The statutory minimum coverage for a car is 5 million francs per accident

When you buy a car, you also need the right car insurance. In addition to compulsory liability insurance, not every vehicle owner needs all the optional add-ons. You can also save by opting for a higher coinsurance. And after a certain period of ownership, it is worth switching from full casco to partial casco.

What you need to know about cover

What’s what?

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

The Comparis car insurance comparison determines optimal insurance coverage based on vehicle and driver information. Below you will find general information about the car insurance coverage.

Full casco- and partial casco insurance compensate for the actual financial loss incurred. The maximum sum insured is usually limited to the purchase price of the insured vehicle plus accessories. Individual coverage modules may have lower sums insured.

Liability insurance for your car is compulsory. There is also a statutory minimum sum insured for liability. The statutory minimum coverage for a car is 5 million francs per accident

General Terms and Conditions: Tips and Tricks

The General Terms and Conditions (GTC) of car insurance extend to more than 20 pages for most insurers. The following three pieces of contractual information must be noted carefully:

Compensation for a total loss: how much money do you receive if your car is a total loss?
Bonus level system: how much discount do you get for being claim-free, and how much does your premium increase after a claim?Schaden?
Damage while parked: how many incidents are covered per year, and is there a maximum sum insured per incident?

Overview of the car insurance policy

Special features and additional coverage

Find out more in our article on roadside assistance.

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

Depending on the car insurance, additional components can be included for further coverage. These include, for example:

Most Swiss car insurance companies offer the option of a licence plate transfer contract. This allows two cars to be registered under one set of number plates. However, only a few insurance companies offer an online calculation of premiums. This is why it is currently not possible to calculate premiums for interchangeable number plate contracts on Comparis. For further information on interchangeable number plates.