Vehicle Insurance
Optimal protection for your car or motorcycle – we compare offers and find the best solution for your needs.
What is vehicle insurance?
Vehicle insurance protects you from the financial consequences of accidents, theft, and other damage involving your car or motorcycle. In Switzerland, motor vehicle liability insurance is mandatory – additional coverage such as partial or full comprehensive is voluntary.
We analyse your actual coverage needs, compare offers from various insurers, and find the optimal solution with the best value for money. In doing so, we pay attention to suitable deductibles, sensible additional options, and a long-term favourable premium level.
Your benefits at a glance
Comprehensive protection
From mandatory liability to full comprehensive – we find the right solution for your vehicle.
Best terms
By comparing various providers, we secure optimal premiums for you with the same or better coverage.
Individual advice
We analyse your driving habits and recommend the right coverage without unnecessary extras.
Fair deductibles
Optimal balance between premium and deductible based on your risk profile.
In-depth knowledge
Mandatory liability insurance
Motor vehicle liability insurance is mandatory in Switzerland. It covers damage that you cause to third parties with your vehicle – both personal injury and property damage.
The minimum sum insured is CHF 5 million, but many insurers offer higher coverage. We recommend sufficiently high coverage, since serious accidents can quickly lead to high damage claims.
Partial comprehensive insurance
Partial comprehensive insurance protects your vehicle from damage not caused by collision: theft, glass breakage, fire, natural events such as hail or flooding, and marten bites.
Partial comprehensive insurance is especially recommended for new and valuable vehicles. The deductible is usually between CHF 200 and CHF 1'000.
Full comprehensive insurance
Full comprehensive insurance includes all the benefits of partial comprehensive plus collision damage – even if you caused the accident yourself. It's especially worthwhile for new and expensive vehicles.
After 4-5 years, the vehicle's current value usually drops so much that switching to partial comprehensive makes sense. We calculate the optimal time for you.
Bonus-malus system
Switzerland uses the bonus-malus system: with claim-free driving, your premium level decreases annually (bonus); with claims, it increases (malus).
After several claim-free years, you reach the lowest level. We help you optimise your current level and avoid unnecessary premium increases.
Avoid common mistakes
These are the mistakes we see most often in practice
Deductible too high
For small claims like glass breakage, you pay more out of pocket than you save on premiums.
Full comprehensive for old vehicles
With a low current value, the premium often exceeds the possible benefit – money that would be better invested.
No annual comparison
Insurance premiums change. Those who don't compare quickly end up paying several hundred francs too much.
Unnecessary additional options
Breakdown assistance, replacement vehicles, or new-value replacement aren't always needed – we check what you really need.
Checklist: your next steps
What you can do right now
Frequently asked questions about Vehicle Insurance
Answers to the most important questions
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Personal consultation
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Insure your vehicle optimally
We compare providers and find the best solution for your budget.
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