Every new Swiss inhabitant with a car needs a car insurance. The main goal of this insurance is to provide financial protection against physical damages or injuries resulting from traffic accidents. There are 4 different types of car insurance in Switzerland. There are multiple car insurers on the market in Switzerland. With our tips, we will ensure that you sign-up for the car insurance that fits to your needs.
Types of car insurance coverage in Switzerland
There are four different types of car insurances in Switzerland. There is a minimal coverage that is required by law, which is a third-party liability. The other types of coverage are optional. Take note that liability and partial or full casco coverage insure the vehicle and not the owner. The damages therefore covered irrespective of who was driving at the moment of the accident.
1: There is a minimal coverage that is required by law, which is a third-party liability. These liabilities would cover physical damage or death that could be caused to a third person. Most insurance companies offer more or less the same level of liability insurance coverage.
2: You can go choose for partial casco, which covers different risks like; damage from nature events, fire, vandalism, theft etc.
3: You could go for Full casco, which covers the damage to the car caused by the driver himself. Some car insurance companies also call this insurance ‘fully comprehensive insurance’.
4: You could go for Passenger accident insurance which covers the injuries sustained to passenger and driver. It can be taken out for every passenger individually. It will cover medical costs, daily allowances for hospital stay or incapacity to work.
Comparing car insurances in Switzerland
There are multiple Swiss car insurers on the market. Companies like Allianz, Axa and generali are the most frequently used car insurance companies in Switzerland. Comparing all car insurance companies can be time-consuming. That is why we have listed the most reliable car insurance companies below.
|› Allianz||✓||✓||✓||› Axa||✓||✓||✓|
|› Baloise direct||✓||✓||✘|
There are multiple Swiss car insurers on the market. Companies like… are the most frequently used car insurance companies in Switzerland. Comparing all car insurance companies can be time-consuming. That is why we have listed the most reliable car insurance companies below.
Best car insurance in Switzerland
Axxa Insurances is a global insurer with branches all over Europe. It has established a huge customer base over the years because of the reliable services they offer and their good reputation. They can offer unique advantages that other insurance companies can’t because they have such a huge customer base. One of those advantages is that they offer cheaper premiums with the same conditions as most of the other insurance companies. What makes Axa unique is that they offer their services in multiple languages and therefore are aware of the language barriers. Axa offers clear contracts which are easily understandable for non-Swiss speakers. You can easily call their English-speaking customer service if you have any questions about their services or about the car insurance.