car insurance in Switzerland is mandatary for drivers. This guide takes you through what ’ randomness available and how to take out the proper policy .
If you ’ re drive in Switzerland, you will need to be covered by car insurance. coverage is compulsory to at least a third-party level, although you can choose to take out extra insurance if you wish .
This guidebook to cable car indemnity in Switzerland covers :

Car insurance in Switzerland

The swiss car insurance commercialize is building complex, with many different types of car policy available. however, only third party liability policy is compulsory.

The swiss Financial Market Authority ( FINMA ) regulates providers of car insurance in Switzerland. According to FINMA statistics, car insurance is the fourthly most coarse form of non-life policy in Switzerland after health insurance, construction policy, and accident indemnity. Car indemnity premiums totaled CHF 5.97 billion in 2019, accounting for 20.9 % of the non-life policy grocery store in Switzerland .
When you take out car indemnity in Switzerland, it is broadly the vehicle that is covered rather than the driver. Most policies cover extra drivers, meaning that anyone with a valid driving license can drive your cable car. If you want to drive person else ’ s cable car, you ’ ll need extra coverage or a in full comprehensive policy. however, you can use most swiss car insurance policies to cover extra vehicles of your own if you have assignable license plates .

Can you use car insurance from another country in Switzerland?

You can use car policy from other EU/EFTA countries in Switzerland. Likewise, you can use swiss car indemnity when driving in countries across the EU/EFTA .
driver in car on scenic Switzerland road
If you come to Switzerland from outside the EU/EFTA, you will normally need to take out a swiss policy unless you have an extend policy that specifies that you can drive in overseas countries including Switzerland .
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Types of car insurance in Switzerland

The three main types of cable car policy in Switzerland are as follows :

Third party liability insurance

This is the minimal legal car policy in Switzerland. In fact, you can not even register your car and get your license plate in most cantons without at least indebtedness insurance. Liability indemnity covers wrong to all third parties and their place in incidents where you or another cover driver of your car is at fault. however, it doesn ’ t cover any costs relating to you or your car .
Liability insurance typically covers up to CHF 1 million of damages in Switzerland. Premiums vary depending on factors such as car value, driver profile, and swiss area. average prices are around CHF 300–400 per year .

Partial Casco

This policy is basically liability insurance plus coverage for your own vehicle due to incidents that are not your demerit. such incidents include natural disasters, burn, larceny, vandalism and animal collision. Policies tend to vary between insurers so it ’ second important to check what ’ second covered and what ’ s not. common exclusions are glass damage, damage when in a park area, and storm damage. You can normally include anything beyond the basic package for a higher premium .
Drivers exchanging insurance details after a car crash
again, costs can vary greatly but you can generally expect to pay in the region of CHF 500–1,000 a year. Experts recommend considering this form of insurance for cars between 4–7 years old .

Fully comprehensive or full Casco

fully comprehensive, or full Casco, policy covers pretty a lot all costs ( as the name suggests ). In other words, everything relating to you, your own car, and all third parties in incidents where you or another guarantee driver is at fault .
Full Casco is optional, however, it may be compulsory if you lease quite than buy a car in Switzerland. You should consider this type of car indemnity if you have a new ( i, less than four years old ) or valuable cable car .
Family car trip in Switzerland, parents and child
Although this policy is in full comprehensive, it won ’ metric ton cover absolutely everything and again policies vary across insurers. common exclusions are breakdown coverage, no-claims bonus protection, and price or larceny due to negligence. You can purchase anything not included as an accessory if you wish .
Full Casco is the most expensive type of car policy in Switzerland. Expect to pay somewhere between CHF 1,000–2,000 .
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Additional forms of car insurance in Switzerland

Whichever type of car insurance in Switzerland you choose, you can bolster it with person coverage that might not be included. Common extra insurance types are :
Passenger accident insurance – while standard liability insurance covers wrong costs to one-third parties, aesculapian costs are frequently excluded. however, most swiss residents will have their own personal accident insurance so this is normally only necessary if you have extraneous visitors traveling in your car frequently .
Parking damage – covers price caused by nameless parties while your car is parked. typically entirely available as an accessory with full Casco policies .
Legal protection – covers legal expenses in the event of an incident that goes to court .
Breakdown assistance – sometimes included in fully Casco policies, this provides for costs such as repair and refilling transport in the event of a dislocation. Worth taking out if you don ’ t have a wayside aid policy elsewhere .
car breakdown insurance in Switzerland, person calls for assistance on roadway
Gross negligence – covers costs if you cause an accident through negligence, such as if you go through a red light or are above the speed specify. however, dangerous offenses such as drink drive and excessive speed are normally not included .
Bonus protection – protects your no-claims bonus if you have to make a claim. however, it is normally limited to one claim per year .

Car insurance bonuses and penalties in Switzerland

Switzerland has a no-claims bonus policy arrangement, similar to many other countries. What this means is that your premiums will drop for each class that you don ’ t make a claim. Each indemnity company has its own no-claims bonus outline. typically, your car policy will decrease by between 5–10 % for each no-claim year. There will be a cut-off point after which it will go no lower. With most insurers, this will be around a 30–40 % rebate but some may offer more generous deals .
cars driving in snow in Swiss city streets
Some indemnity companies allow you to transfer no-claims periods across from former policies ; however, they are not obliged to do so. Check foremost earlier signing up .
Although you can get discounts for not making a claim, your premiums can besides increase if you make regular claims. If you have a poor drive record, you can end up paying well over 100 % of the standard premium costs.

You can expect to pay a higher premium if you :

  • Cause an accident through careless or negligent driving
  • Have points on your license for violations such as speeding or drunk driving
  • Are a young or inexperienced driver

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Car insurance companies in Switzerland

There are over 100 insurance companies offering car insurance in Switzerland. This is why it is a effective mind to shop around. popular indemnity companies include :

  • Allianz
  • AutoMate
  • AXA
  • Elvia
  • Generali
  • Helvetia
  • PostFinance
  • Smile
  • Zurich

There are besides expat-friendly brokerage services such as the UK party Sterling which helps british expats find indemnity for cars they import to Switzerland when they move .
You can compare swiss car insurance policies on websites such as Comparis .
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How to choose car insurance in Switzerland

When looking at car policy deals in Switzerland, be mindful to take into account other factors quite than good opting for the cheapest cover. early things to look out for admit :
Excess/deductible – this is the amount you need to pay towards any indemnity claim. In Switzerland, this can vary between insurers but is typically about CHF 1,000 for drivers under 25 and CHF 500 for drivers 25 and over with less than two years of driving have. other drivers normally pay no deductible. however, all drivers can normally choose to increase the deductible in render for lower premiums .
No-claims bonus – what discounts can you get and are you able to transfer no-claims periods from another insurance company ?
Company reputation – what are the ratings and customer reviews like ? Check on-line reappraisal sites .
Claims process – how flying and easy is the claims process ? Can you do it online ?
Woman compares car insurance in Switzerland online
Exclusions – check through the policies carefully to see what is and international relations and security network ’ t covered, who is covered ( for example, other drivers ), and where you are covered ( for example, driving abroad or in early people ’ randomness cars ). If something you need is missing, can it be added and how much will it cost ?
Special offers and discounts – some companies may offer price discounts, for model to marriage members, on electric vehicles, or for paying your annual premium upfront. Or you may be able to access discounts elsewhere if insurers have partnered with other businesses .
Unused license plates policy – in Switzerland, you don ’ t have to insure your car if you ’ ra not using it equally long as you return the license plates. Some insurers allow you to pause your payments for periods that your cable car is not in practice .
Ethical performance – how well does the party do in areas such as environmental sustainability, corporate sociable duty ( CSR ), and proletarian rights ? You can compare insurers using ratings compiled by assessors such as ethical Consumer .

Applying for car insurance in Switzerland

Most indemnity firms now allow you to take out a policy on-line, which makes things immediate and easier. The best means to sort out your car insurance in Switzerland is to :

  1. Decide what type of coverage you want, e.g., liability or full Casco. Make sure you include any add-ons if they might not be included as standard.
  2. Compare quotes from car insurance companies. You can do this via individual company websites or use a comparison tool such as Comparis.
  3. Take out your policy online.

You will typically need to provide the follow :

  • Driving license details
  • Car registration details (available from your cantonal road office if you don’t have them)
  • Personal details (address, age, driver profile)
  • Other relevant information (e.g., if you plan to use the car for business purposes)

once you have filled in the insurance kind and paid your first base installment, your cable car is covered. You should receive your indemnity certificate and policy details. You may besides receive a european accident report phase and a green card to show proof of indemnity when driving in non-EU/EFTA countries that are part of the green wag system .

How to make a car insurance claim in Switzerland

If you need to make a car indemnity claim in Switzerland, you should :

  • Take photos of any damage and record any witness statements if necessary.
  • Complete your European accident report form in the event of an accident. Otherwise, make sure you get the relevant details from any other drivers involved in an incident (especially name and car registration details).
  • Contact the emergency services in the event of a serious accident.
  • File your insurance claim with your provider. Most companies allow you to do this by phone, email, or using an online form. Your insurer should give you details of their claims process and options. You should do this as soon as possible. The legal deadline for filing an insurance claim in Switzerland is usually two years.
  • Forward invoices and payment receipts to your insurer as necessary.

Car crash in Switzerland
once you have made your claim, a representative from your insurance company ( title officeholder or claims director ) should be in touch with you to explain what is probably to happen, whether you need to provide extra data, when a decision on your call will be made and when you are likely to receive recompense .

Canceling a contract or changing provider

You can cancel a contract with a swiss insurance company at any clock time, although notice periods range from 24 hours to three months depending on the insurance company. If you cancel early on a fixed-term contract, your insurance company may charge you a tip .
You should cancel car indemnity in Switzerland in writing to the address provided to you by the insurance party. Most swiss companies operate an automatic refilling action, meaning that you will be tied in for another period if you don ’ t delete in advance .
You can change insurance providers without incurring a penalty if :

  • The contract expires.
  • You change your vehicle.
  • Your premiums change. Insurers should give at least 25 days notice on any price changes.
  • Ownership of the car changes. The new owner has 14 days to cancel any outstanding policy covering the vehicle.
  • You are unhappy with the way a claim is dealt with. Both parties have 14 days to cancel the contract after each claim is made.

Making a complaint about a car insurance company in Switzerland

If you want to complain about a swiss car policy party, you should follow these steps :

  • Firstly, try to resolve the issue with the company itself. Each company should have a complaints department and a complaints procedure that should be available on its website or in an information pack sent out when you sign up.
  • If this doesn’t resolve the situation, you can contact one of the Swiss ombudsman services. You can find contact details for financial services and insurance ombudsmen on Swiss Authorities Online.

The Federal Consumer Affairs Bureau ( FCAB ) has extra information on consumer rights in Switzerland.

Roadside assistance in Switzerland

You can purchase dislocation policy from most swiss insurers. alternatively, the swiss Touring Club ( TCS ) ( in German ) is one of the most democratic membership breakdown and recovery services. You can call 800 140 140 in an emergency. membership is around CHF 80–90 a year .
Another service that provides coverage in Switzerland and across Europe is the Automobile Club of Switzerland ( ACS – in German ). You can purchase from a phone number of different membership deals starting at CHF 80 .
You may besides need to call the police ( 117 ), ambulance service ( 144 ), or other emergency services if your situation is good .

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