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Car insurance checklist: what do I need to be aware of?
When choosing car insurance, you can soon get lost in the details. Insurance companies offer numerous models and add-ons. Comparis explains the ins and outs of checking car insurance.
17.04.2023
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1. Car insurance: what cover do I need?
Compare the various offers and premiums in the car insurance comparison. It’s worth checking your cover options.
Car insurance checklist: what basic cover and additional modules are there?
If you wish to register a car in Switzerland, you will need motor liability insurance. This covers any damage you cause to third parties with your car.
You can also voluntarily take out a partial casco insurance or full casco insurance policy. This allows you to insure your own vehicle against damage.
There are also add-ons such as cover for damage while parked or roadside assistance insurance.
Check whether you are also sufficiently insured against car accidents abroad.
In this article, you can find all basic cover options and additional components at a glance.
What coinsurance should I choose?
If damage occurs, there is usually a coinsurance. You can choose the amount yourself in advance. Please note: the lower the coinsurance, the higher the premium.
Large differences in premiums and benefits
The insurance costs vary greatly – depending on the insurer, the vehicle and the driver’s profile. It is therefore worthwhile carefully comparing premiums and benefits before taking out car insurance.
2. Requesting quotes: what should I do next?
As soon as you know which cover options and additional components you need, the next step is to look at a quote comparison. Compare the offers of different providers at Comparis.
To do so, you need to provide the following information:
Vehicle information: Select the vehicle make and model as well as the year of the first registration. Alternatively, enter your licence plate or vehicle registration number.
Driver information: Enter the name, gender, age, nationality and other information about the driver.
Details of insurance cover Choose the desired basic coverage and suitable additional modules.
Full casco insurance for leased cars
Good to know: If you lease a vehicle, you usually have to take out full casco insurance in addition to liability insurance.
3. Car insurance check: how do I make a decision?
Once you have received suitable offers, you can carefully compare premiums, coverage options and insurance conditions.
Do you have a favourite? Before concluding the contract, check the following information:
Are the personal details such as name, gender, age, place of residence and nationality correct? Compare the information with your driving licence or your passport/identity card.
Is all the vehicle information correct? Compare the information with your vehicle registration document.
Check whether you are agree to the cancellation policy .
Good to know: depending on your driver profile, you will be assigned a bonus level. You pay more or less for the premium according to the bonus level. In the event of a claim, you will move up the bonus level ladder and the premium will increase.
If, on the other hand, you remain accident-free, you will be assigned a lower bonus level after one year and the bonus will decrease. If you opt for bonus protection, you are exempt from this bonus level classification.
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This article was first published on 01.09.2021
