Vehicle insurance
Third-party liability is compulsory, everything else is a choice: casco, replacement-value cover, bonus protection, we build the cover that matches your vehicle and how you use it.
Two minutes is all it takes: tell us who you are and what needs covering. We come back with compared quotes.
The essentials
In Switzerland, no vehicle can be registered without third-party liability insurance: the road traffic office requires proof of cover before issuing the plates. This compulsory cover compensates third parties for the bodily injury and property damage you cause them, amounts that quickly reach several million francs. It never covers your own vehicle, however.
For your own car, everything comes down to partial or full casco. Partial casco covers events beyond your control, theft, fire, natural forces, collision with an animal. Full casco adds collision damage, including when you are at fault, the obvious choice for a recent or leased vehicle.
How the payout is calculated makes the difference when a claim occurs: current market value pays what your vehicle is worth on the day of the loss, whereas enhanced-value or replacement-value cover pays out considerably more in the first years. The premium itself follows a bonus-malus scale: every at-fault claim pushes it up, unless you have bonus protection.
What this insurance covers
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Compulsory third-party liability
Covers bodily injury and property damage caused to third parties with your vehicle. Without it, no plates: it is the only vehicle insurance required by law.
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Partial casco
Theft, fire, natural forces, glass breakage, collision with an animal, marten bites, vandalism depending on the contract: the events that do not depend on your driving.
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Full casco
Adds collision damage to your own vehicle on top of partial casco, including when the accident is your fault. Generally required for a leased vehicle.
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Enhanced value or replacement value
The compensation basis you choose determines what you receive: enhanced value pays out more than the market value alone while the vehicle is still recent.
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Bonus protection
An at-fault claim does not push your premium level back up: the level you have earned is preserved, within the limits set by the contract.
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Breakdown assistance and replacement vehicle
Assistance after a breakdown or an accident, towing and, depending on the option chosen, a replacement vehicle to keep you mobile.
Who it is for
- Drivers registering a first car or changing vehicle.
- Young drivers looking to keep a high entry premium under control.
- Holders of a leased vehicle, for whom full casco is generally required.
- Families with several vehicles and several drivers in the household.
- Motorcyclists and owners of registered two-wheelers.
How we support you
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Analysing your risks
What you have, what is missing, what overlaps: an honest assessment.
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Competitive tenders
Several insurers approached against a precise specification, compared item by item.
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Long-term follow-up
Set-up, renewals, claims: a single point of contact, year after year.
Frequently asked questions
Is casco cover compulsory in Switzerland?
No. Only third-party liability is required by law. Casco remains a choice, but a decisive one: leasing companies almost always require full casco, and for a recent vehicle it means you do not bear the loss of the car alone. After a few years, partial casco is often enough; the question is worth asking again at every renewal.
How does the bonus-malus system work?
Your premium depends on a level that moves with your claims record: years without an at-fault accident bring it down, an at-fault claim pushes it back up, sometimes by several steps. The scales vary from one contract to another, which makes comparison tricky. Bonus protection lets you keep your level after a first claim; whether it is worthwhile has to be assessed case by case.
Why is the premium higher for a young driver?
Most contracts apply a higher entry level to drivers under 25 and, often, an additional deductible in the event of a claim. The choice of vehicle, the level of deductible and the correct designation of the usual driver remain the main levers. Declaring a parent as the main driver when the young person actually uses the car exposes you to reduced benefits, however.
What should I do immediately after an accident?
Secure the scene, call the police if anyone is injured or there is a disagreement, photograph the situation and fill in the accident report form without admitting liability, that assessment is for the insurer to make. Then report the claim promptly. As your broker, we file the report with you and follow the case through to its close.
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Jules Rossier, non-tied insurance intermediary within the meaning of Art. 45 of the Insurance Supervision Act (ISA), registered with FINMA under no. F01581788.