Car insurance: Calculate and compare premiums

Of course, it is recommended that you notify the insurance company of a change of vehicle and the adjustment of the insurance as soon as possible.

Every time you change vehicles, you have the right to cancel your existing policy. You also have the option of cancelling your insurance policy in the event of damage to your car. However, the cancellation should be submitted within two weeks of the payment of the claim amount.
You also have the option of cancelling your motor insurance policy in the event of a premium increase. Here, too, the time frame is usually set at two weeks. It is important to know that the different time frames can vary depending on the insurance company. For this reason, it is highly recommended that you obtain this important information early on.

Benefit priorities may change depending on how old your vehicle is, how often you use it or how often you drive your car abroad.

You can have a free choice of garage insured, depending on which insurance company you are with and what their quotes are.

No, a replacement car is not always covered by comprehensive insurance.

Bonus protection allows you to commit one claim per year without increasing your premium. Accident-free years are always rewarded.

Gross negligence is defined as all violations of the road traffic regulations (SVG). This includes, for example, damage due to disregarding a red light or in the case of damage due to a rolling stop.
More simply explained: damage that could have been prevented. There are insurance policies where gross negligence is included in the bonus protection package.

Practically all insurance companies have a 24/7 hotline. In the event of a claim, it is important that you call your insurance company immediately. You will receive help and instructions on how to proceed.

In the event of a claim, all persons living in the same household have the same cover. However, if you often drive other people's cars or if your vehicle is often used by others, it is recommended that your vehicle is insured under the "Use of other people's vehicle" benefit in your personal liability insurance.

You are covered with the same benefits abroad as you are in Switzerland, unless otherwise stated.
However, you should also contact your insurance company immediately in the event of a claim. Depending on the insurance company and its offer, you can also have a Europe-wide breakdown service insured.
You can also benefit from help directly on site: You can be collected from the scene of the accident, your car can be transported to a garage and you have the right to a replacement car. There is also the possibility that you can continue your journey by air or another means of transport so that you arrive safely at your destination.

In order to be allowed to obtain a licence plate as a car owner, you should take out third-party liability insurance for your vehicle. However, third party insurance only covers damage to third parties.