Vehicle insurance
Protection for your vehicle and third-party vehicles: accidents, repairs and hire cars.
Why this matters
A summer storm with hail, a marten in the engine bay or a dent from an unknown neighbour in the car park: damage to your own car happens without you doing anything wrong – and without casco cover, you pay the repair bill of several thousand francs out of your own pocket. If you cause an accident yourself, it gets worse: you are liable without limit for damage to others. If you chose the wrong cover, you only notice when the bill lands on the table.
The Road Traffic Act makes third-party liability insurance compulsory – without it, no vehicle can be registered. Partial and fully comprehensive cover, by contrast, are voluntary; only with leasing does the lessor generally require fully comprehensive cover. For owners of new or nearly new vehicles, fully comprehensive cover is almost always worthwhile; with older cars the calculation shifts towards partial casco or liability only. Because premiums for the same cover vary widely between companies, the car is one of the most rewarding places to save in your insurance folder.
What you get out of it
Fully comprehensive, partial cover or liability only — you pay for what suits your car.
Bonus protection and gross negligence cover: we explain what's worth having.
In the event of a claim, one photo via the client portal — we take care of the rest.
What we take care of for you
- Quotes from several insurers with a transparent side-by-side comparison
- Advice on excess, parking damage and replacement vehicle cover
- Re-registration when changing vehicles, including number plate questions
- Claims reporting and follow-up by us
The advice is free for you — we are remunerated by the insurance companies through brokerage commissions and will disclose these on request.
Tips from our consultations
What we tell our clients time and again – free of charge, even before the first meeting.
A new car belongs in fully comprehensive cover, but as its current value falls, so does the benefit. From around five to seven years, the sums are worth doing: if the annual premium is out of all proportion to the vehicle’s value, it is time to switch to partial casco. That still covers hail, glass breakage, theft and marten damage.
A higher retention lowers the premium noticeably, and small claims are better left unreported anyway – the downgrade in the bonus system often costs more over the years than the repair. Do the maths briefly before reporting a claim, or ask us. That way the bonus stays where it belongs.
Anyone who drives the car regularly must be named in the contract – especially young drivers. If the information is missing, you face hefty additional retentions or reductions in the event of a claim. Tell the company as soon as, say, your child starts driving with a freshly minted licence.
Besides the ordinary end of the contract, a change of vehicle, a premium increase or a claim also open the door to cancellation. In addition, even multi-year contracts can be ended after three years at the end of the insurance year. Use these moments and you never have to sit on an overpriced policy for years.
