Motor liability insurance is one of the most important insurances for every vehicle owner in Switzerland and is required by law. It protects the owner and other road users from the financial consequences of damage caused by one's own vehicle to other people or their property. Both property damage and personal injury are covered. In the event of damage, the insurance covers the cost of repairing the damaged vehicle or other property, as well as medical treatment and rehabilitation of injured persons.
Collision insurance is an optional additional insurance that covers damage to your own vehicle caused by collisions with other vehicles or objects. Both self-inflicted damage and damage caused by others can be covered. Collision insurance can help to reduce or completely avoid the costs of repairs to your own vehicle.
Partial accidental damage insurance is another optional supplementary insurance that covers damage to your own vehicle caused by theft, fire, glass breakage, natural hazards and animal accidents. This includes, for example, damage caused by hail, storms, floods or marten bites. Partial cover insurance can also help to reduce the cost of repairs to your own vehicle or avoid them altogether.
Parking damage insurance
Parking damage insurance is another optional supplementary insurance that covers damage to your own vehicle by unknown third parties while parked. It is particularly relevant for vehicle owners who frequently park their car in unfamiliar areas or public parking lots. Parking damage insurance can also help to reduce or completely avoid the costs of repairs to one's own vehicle.
Many insurance companies also offer a roadside assistance service that ensures rapid on-site help in the event of a breakdown or accident. The breakdown service can help to quickly make your own vehicle roadworthy again or transport it to the nearest workshop.
Accident insurance for occupants
Passenger accident insurance is an optional supplementary insurance that covers the driver and passengers in the event of an accident. It also covers costs for medical treatment and rehabilitation measures. Passenger accident insurance can help minimize the financial consequences of an accident for the passengers.
What coverage is mandatory for a lease
In the case of a leasing contract, comprehensive insurance is usually mandatory, including both collision and partial coverage. This mandatory insurance is intended to ensure that the vehicle is fully repaired in the event of damage and that the lessor does not suffer any financial loss. In the case of a leasing contract, it is important to find out the exact terms of the insurance in advance and, if necessary, to take out additional insurance to protect against further costs.
At what point is fully comprehensive insurance no longer necessary
Comprehensive insurance is usually no longer necessary if the vehicle is already older and has a lower value. In this case, you should weigh up individually whether fully comprehensive insurance is still worthwhile. Even if the vehicle is paid off and there is no longer a loan on it, fully comprehensive insurance may be superfluous. In this case, it may be sufficient to take out liability and partial casco insurance.
Where is the insurance valid
Motor liability insurance is usually valid in all countries listed on the green insurance card. These are most European countries as well as some non-European countries. However, for longer trips abroad, you should check whether the insurance is also valid in the respective country and take out additional insurance if necessary. It is also important to inform yourself about the applicable traffic regulations abroad in order to avoid accidents and the associated costs.
There are several types of incidents that are covered by motor vehicle insurance in Switzerland. Here are some examples:
Accident with property damage: A driver causes an accident and damages another driver's vehicle or another object, such as a fence. In this case, the liability insurance of the person who caused the accident may cover the cost of repairing the damaged object.
Accident with personal injury: A driver causes an accident and injures one or more persons. In this case, the liability insurance of the person who caused the accident may cover the costs of medical treatment and rehabilitation.
Theft: A vehicle is stolen. In this case, the partial cover insurance may cover the cost of replacing the vehicle or repairs following a burglary.
Elemental damage: The vehicle is damaged by a natural disaster such as hail, storm or flood. In this case, the partial cover insurance may cover the cost of repairing the vehicle.
Parking damage: The vehicle is damaged in a parking lot by an unknown vehicle. In this case, the optionally offered parking damage insurance can cover the cost of repairing the damaged vehicle.
These are just a few examples of incidents that can be covered by motor vehicle insurance in Switzerland. In any case, it is important to inform the insurance provider immediately and fill out the claim form correctly to ensure a quick and smooth settlement of the claim.