MyWay – low-cost car insurance by the kilometre

Both the classical Car Insurance and MyWay offer the same insurance cover, which the customer can select as required. However, there are some differences:

• Type of billing: with Classic car insurance, the premium is set and billed once a year. MyWay, on the other hand, charges a monthly basic fee and the kilometres driven. As a rule, MyWay is worthwhile if you drive less than 7,000 kilometres per year. With the help of our premium calculator, you can easily calculate the costs.
• More flexible organisation: Traditional car insurance has a cancellation period of 3 months before the end of the contract. With MyWay, insurance cover can be adjusted at any time and the policy can be cancelled with 14 days' notice.
  
  
• Self-service: All Zurich customers have access to their existing policies via their user login. However, MyWay is app-based. Customers can use the app not only to view their personal data, policies, their kilometres driven and invoices, but also adjust their insurance cover and personal information themselves at any time. They can also view their kilometres driven and invoices. You can find more information about the app and its functions here.

As a rule, MyWay benefits those who drive less than 7,000 km per year.

The best thing to do is use our premium calculator to determine your costs and whether MyWay or traditional car insurance will be your most cost-effective option. If you choose MyWay, you can take out your policy directly online.

Calculate premium

After taking out MyWay cover, we will send you an adapter and a registration code for the autoSense app. You download the app and connect it to the adapter. You then install this in your car under your steering wheel using the ODB-II connection. The adapter will then measure each kilometer you drive and transmit this information to Zurich. You can view your kilometers at any time in the app.

We attach great importance to data protection. In addition to the basic data provided (policyholder and vehicle details, adapter status), Zurich only receives the kilometres driven, the connection status of the adapter and whether Zurich Services is activated in the app. This enables us to create an individual kilometre-based invoice. Data on your other driving behaviour, routes driven or other vehicle use will not be transmitted.

autoSense AG is our partner company and is responsible for the technical functionality of the adapter. Should you have any problems with the adapter, please contact the MyWay-team directly: myway@zurich.ch

No. MyWay is only available to private persons.

Unfortunately, this is not possible. However, you do have the option of taking out MyWay cover for each vehicle. The less you drive, the lower your insurance premiums. So, MyWay can also be beneficial for two vehicles.

The best way to work out the cost is to use our premium calculator. If you then decide on MyWay, you can take out your policy directly online.

Calculate premium

With MyWay, we offer you the same level of cover as you would receive with classic car insurance. Where MyWay differs from conventional car insurance is as follows:

Type of billing

MyWay is billed monthly and per kilometer.

Greater flexibility

You can amend the cover provided by your insurance at any time and cancel your policy with 14 days notice.

Self-service offer

Among other things, the app allows you to adjust your insurance coverage or change your personal information.

For a direct comparison, please see the table at the top of this page. 

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).

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.

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

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.

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.

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.

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.

• 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).

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.

You will receive your invoice at the beginning of each month. This will contain the kilometers driven in the previous month. This means, for example, that your March invoice will contain the kilometers that you have driven in February.

Methods of delivery for your invoice:

Your invoice will be delivered to you automatically in the app and by mail. We recommend activating eBill payments in order to pay your Zurich invoice in order to save paper and protect the environment.

You can activate eBill payments easily via your bank's e-banking platform.

Methods of payment for your invoice:

Your invoice will be issued as a QR invoice. Accordingly, you may pay via QR code or online transfer. We recommend that you activate eBill as the payment method for your invoices. This way, your invoices will automatically be sent to your e-banking account and you can approve the payment there.

You can cancel your MyWay policy with 14 days notice. You may only remove the adapter after your policy has been canceled.

As a rule, all cars produced after 2001 are compatible with the adapter. During the process of taking out your MyWay insurance, we will check the compatibility with your car again.

On the English website of our partner company autoSense you can select your vehicle model and you will then see a photo, which will show you how to install the adapter.

As a rule, the connection is max. 60 cm away from the steering wheel.

Should you require further assistance, please contact the MyWay-team directly: myway@zurich.ch

When the LED is illuminated, the device is connected to the circuit.

If, however, the LED light is flashing, then the adapter is not connected to the vehicle. In this case, the adapter must just be dis- and reconnected. If you still have problems after following these steps, please contact the MyWay-team: myway@zurich.ch

If the adapter is correctly connected, the LED on the adapter will light up red. When the engine is turned on, the light changes color slightly to orange-red.

After your car has gone unused for 2 weeks, the adapter will draw minimal power (max. 1mA daily) from the battery. This energy consumption from the adapter will never fully drain your car battery. If the battery is low, the adapter will automatically switch off.

If your vehicle is left unused for more than 4 weeks, we suggest taking more proactive measures and moving your vehicle to a secure, dry space. This will prevent your battery from being drained.

A trickle charger is generally recommended for longer periods without use to prevent the battery from draining completely. A trickle charger keeps the battery 100% charged with a constant current flow.