Insurance benefits
Main Coverages
Additional covers
Third party liability insurance (mandatory) incl. bonus protection
- Third party liability insurance is required by law
- Insurance covers property damage and bodily injury that you cause to third parties with your car
- We defend you against unjustified claims by third parties
- Sum insured up to CHF 100 million
- The premium will not increase in the event of a loss
You must have third party liability insurance to obtain the official registration documents for your car from road traffic authorities
Partical Casco
- With partial casco insurance, your own car is insured against theft (even through car-hacking), fire and damage caused by natural hazards (e.g. floods, hail, landslides, falling ice)
- Coverage also includes damage due to collisions with animals and vandalism (e.g. slashed tires, slashed convertible roof, painting or spraying of paintwork), glass breakage as well as damage caused by martens or rodents
Collision (comprehensive cover) incl. bonus protection
- Collision accidental damage and partial casco insurance combined give you comprehensive insurance
- Collision accidental damage insurance covers damage to your own car caused by a collision, falling or sinking
- Zurich also provides benefits in the event of an accident for which you are at fault
- In the event of a total loss, you will receive full replacement cost coverage during the first year of operation of your car (capped at the amount of the paid purchase price)
Coverage for gross negligence
Zurich will not limit your benefits in the event of a loss caused through gross negligence (exceptions: alcohol, driving while impaired, speeding).
Parking damage or Parking damage PLUS
Coverage includes damage caused to your parked car by unknown vehicles or persons. The Parking damage option covers up to CHF 1,000 per event. The Parking damage PLUS option has no limit on the amount.
Glass PLUS
Coverage includes all loss or damage due to breakage to vehicle parts made of glass or materials used as a substitute for glass (e.g. plexiglas). Coverage also includes headlights (e.g. LED or xenon) that are destroyed due to glass breakage.
Items transported in the vehicle
If any items are damaged that are transported in your car by yourself or your passengers, or if said items are stolen from a locked car, these are covered up to the agreed sum insured. Items carried in the vehicle include, for example, electronic devices such as smartphones, tablets and GPS equipment, as well as merchandise and items used to carry out a trade or profession. It also covers medical expenses up to CHF 5,000 for pets traveling in the vehicle.
Cyber attack
The insurance covers the encryption, damage and destruction of software caused by a hacker attack on the insured vehicle. Zurich covers costs for restoring the software or hardware (e.g. the unit), up to the sum insured defined in the policy.
Tire and wheel rim protection
We cover the costs if a tire bursts or is damaged, e.g., by broken glass, screws or when hitting the curb.
Interior protection
Burn holes, incl. damage through scorching, cracks and tears are also insured. Sudden heavy soiling is also considered as damage. Zurich will pay the costs, for example, for the restoration or repair of a crack or tear in the seat up to the agreed sum insured.
Purchase price protection
In case of total loss, Zurich shall provide compensation to a maximum of the purchase price paid for five years from the purchase date.
Help Point PLUS
In addition to the Help Point services, you also benefit from discount on your vehicle damage premium. You agree to have all repairs carried out in a Zurich partner garage.
E-Mobility PROTECT
With the new E-Mobility Protect additional coverage in car insurance, you and your electric or plug-in vehicle are well protected:
- Battery PLUS: The insurance covers damage to the high-voltage battery (HV battery) caused by operating errors, overvoltage, overcurrent, deep discharge or charger malfunction. Insurance coverage applies if the HV battery suffers an exceptional capacity loss of more than 50% in the first three years of operation. Zurich covers the costs for repairing or replacing a HV battery. The maximum compensation is limited to the vehicle's replacement value. In addition, disposal costs which occur in connection with a damage are also covered up to CHF 2,000.
- Charging station and accessories protection: The insurance covers theft of and damage to charging stations (e.g. wallbox) and charging accessories (e.g. mobile charging stations and devices, charging cables as well as bags and adapters). The insurance covers damages caused by overvoltage, short circuit, operating errors and malfunctions, impact, overturning, vandalism, fire, lightning, flood, etc. Zurich pays the costs of repair or replacement for an equivalent item up to the agreed sum insured. For charging stations from the fifth year of operation, the compensation is reduced according to the operating duration.
- Charging card and app protection: In the event of loss of the charging card or damage caused by the unauthorized use of the charging card or recharge app by third parties, Zurich covers the costs up to the sum insured specified in the policy. Blocking and replacement fees are also insured. Your family members' charging cards and charging apps are also insured.
Accident
Zurich Accident Insurance protects you and any passengers in your vehicle against the potential financial consequences of accidents. The insurance provides benefits in the event of death, disability or temporary inability to work, and pays a daily hospital benefit during your hospital stay. The insurance also covers medical expenses within the five years following the day of the accident. If you require an inpatient hospital stay, the coverage also includes a private ward. Benefits are paid immediately following an accident, even if fault has yet to be determined. Accident insurance coverage is also valid in other people’s cars for you and your family.
Roadside assistance Switzerland/Liechtenstein/Europe with replacement vehicle
Zurich covers the organisation and costs of roadside assistance on site, including replacement of small parts, towing and recovery costs for the vehicle and other additional costs such as mobility replacement, accommodation, etc.
Please refer to our factsheet, AVBs or your personal policy for the exact sums insured and further details.
Do you have any questions about car insurance?
What is gross negligence coverage?
The insurance can have recourse against whoever causes damage through gross negligence after a claim has been paid or can reduce the indemnity payment. Example: You run a red light out of carelessness, causing an accident. With the supplementary agreement on gross negligence coverage, Zurich waives its right of recourse or reduction (exception: alcohol, driving incapacity, speeding offense, risky overtaking, participation in unauthorized races with motor vehicles).
What is the difference between the "Parking Damage" and "Parking Damage PLUS" insurance options?
The two insurance covers "Parking damage and Parking damage PLUS" cover damage caused to your parked vehicle by unknown vehicles or persons. In the case of Parking Damage, the maximum amount is limited to CHF 1,000 per claim. There is no limit for Parking Damage PLUS. In both cases, up to two claims will be paid per calendar year. Find out more in our knowledge article on parking damage.
Am I also insured if someone else drives my car?
As the policyholder, owner and/or keeper of the insured vehicle, I am also insured if it is driven by another person. However, the applicable regulations and exclusions from the insurance cover must be observed in detail. Find out in our article how third-party drivers can protect themselves against damage.
What does breakdown assistance cover?
The breakdown assistance applies to the vehicle insured in the policy and the trailer towed by it. The insurance coverage applies to all occupants, including the driver. You can choose between three coverage options:
- Breakdown assistance CH/FL,
- Breakdown assistance CH/FL incl. replacement vehicle
- Breakdown service Europe incl. replacement vehicle
Your free 24-hour service line in the event of a loss in Switzerland is 0800 80 80 80; dial +41 44 628 98 98 from anywhere else in the world
Am I also covered abroad?
The car insurance applies in Switzerland and the Principality of Liechtenstein, European countries as well as the countries bordering the Mediterranean and the island states of the Mediterranean. However, the insurance does not apply in the following countries: Belarus, Moldavia, Ukraine, the Russian Federation, Georgia, Armenia, Azerbaijan, Kazakhstan, Egypt, Algeria, Lebanon, Libya and Syria. Breakdown assistance CH/FL is only valid for claims occurring in Switzerland and the Principality of Liechtenstein. Are you planning to go abroad in your car? Then don't forget to take the International Motor Insurance Card with you.
What does car liability insurance cover?
Car liability insurance is mandatory in Switzerland. Without proof of insurance from a company, you will not receive a vehicle registration from the road traffic office. Car liability insurance covers damage to other vehicles, people, or property that you cause with your car. You can easily calculate the premium online.
Do I need partial casco – and what is it anyway?
Single vehicle partial casco insurance comes into play for unexpected damage. The following risks are insured: theft, fire and damage caused by natural hazards, hail damage and glass breakage, vandalism, collision with animals and damage by martens or rodents. Collision damage is not included in the partial casco cover, it is covered by comprehensive cover A classic example of a partial casco claim is a stone chip in the windshield.
What is comprehensive cover?
Comprehensive cover is comprised of partial casco and collision cover. Collision includes accidental damage to your own vehicle. A typical comprehensive cover claim is a collision with a post or other vehicle, which you caused yourself. It doesn't matter whether the collision is with an object, such as a tree or a wall or another vehicle, and the damage was caused by you. Damage caused by willful acts of third parties is likewise covered. Damage caused by the motor vehicle to other persons, property or animals is insured under the mandatory motor vehicle third party liability insurance.
When will I receive my policy documents?
The insurance takes effect as soon as your car has been registered at the Road Traffic Office and you have the new vehicle registration document and license plates. We will send you your insurance policy and your premium invoice by post a few days later. You can find the precise insurance cover in your insurance contract.
What is the purpose of the electronic insurance proof and where is it transmitted?
The electronic insurance certificate serves as confirmation from the insurance company for the Road Traffic Office that the statutory liability cover exists. The insurance company forwards this proof electronically to the Road Traffic Office. Find out more about vehicle redemption and registration on our knowledge page.
Can I pay online or in installments?
You can pay your invoices conveniently at the click of a mouse. A surcharge is payable for instalment payments. If your premium is too high, please get in touch with us so that we can find a solution together, for example by adjusting your contract (call 0800 80 80 80 or use the contact form).
Can my premium be adjusted?
- Modification of your data: The premium is based on the chosen scope of insurance and the facts (material facts) given by the policyholder with regard to the insured persons and the vehicle. If one of these material facts should change, Zurich must be notified immediately in writing or in another form that makes it possible to provide proof in text form (e.g., by sending an email). In the event of a change in risk, Zurich shall consider adjusting the contract to the changed circumstances.
- Sanitation: Premiums will not be adjusted following a loss event (premium protection and bonus protection). Reorganizations in individual cases form an exception.
- Premium reduction for drivers up to 25 years of age: With declared young drivers, the premium is progressively reduced on every premium due date until reaching age 25.
- Selective tariff adjustment: Zurich is entitled to increase the premium with effect from the following insurance year. This will be announced no later than 25 days before the end of the insurance year. Under certain conditions, such an adjustment entitles you to cancel the policy.
If your premium is too high, please get in touch with us so that we can find a solution together, for example by adjusting your contract (call 0800 80 80 80 or use the contact form).
Where can I report my new address?
How do I proceed if I want to change my car or my insurance?
First check whether you can change your car insurance. A change is possible in the following cases:
- Your current contract expires
- In the event of a loss
- The insurance premium increases
- You change vehicle
Collect different offers for a new car insurance policy and compare them. Tip: Use our free insurance comparison service. With just three details, we show you how much you will pay for your car insurance with Zurich. As soon as you have chosen a car insurance offer, you should cancel the current insurance in good time and take out the new one.
Report the change of insurance to the Road Traffic Office. To do this, you need the insurance certificate and your vehicle registration document. You can also send the documents via mail to the relevant Road Traffic Office in many cantons. You can find more information in our knowledge article.
Can I insure other vehicles such as trucks, motor homes, trailers?
Zurich Motor Vehicle Insurance is also available for other means of transport. The insurance cover can be agreed individually. You can find further information, quote requests and contact forms on our respective websites or contact your advisor or Customer Service on 0800 80 80 80.
- Motorcycle
- Delivery car
- Oldtimer
- Rental and shared vehicles
- Boat
- Other means of transport (trucks, buses, aircraft etc.)
Are there discounts or benefits?
- If you already have life insurance with Zurich, you can save on car insurance.
- Environmentally friendly electric and hybrid cars drive at particularly low rates with us.
- Additionally, thanks to our extensive network of partners, we can offer our customers a wide range of attractive special conditions.
Are there discounts or benefits for young drivers?
Zurich offers many benefits especially for young people up to the age of 25:
- No claims bonus: After three years with no claims, you will receive 10% of your premium back
- Your premium will be reduced each year up to your 25th birthday
- Family bonus: If your parents already have two contracts with Zurich, you get a 15% discount
