Car or public transport: Insurance check for your holidays
26 April 2019, author: Jens Wiesenhütter, photo: Helvetia
If you're travelling by car on holiday, check the air pressure and oil level before you set off. And before you take a flight, make sure you’ve got your ID. A final check of your insurance is also a good idea before you go on holiday. And this makes it clear that different types of cover are important, depending on your mode of travel.
For a car and passengers
Whether by motorbike or car – motor vehicle assistance insurance helps you in Europe. It covers breakdown assistance, towing costs as well as recovery costs for passengers and the vehicle. And even if the car no longer cooperates, you shouldn’t have to break off your holiday. The insurance ensures that the vehicle can be returned safely to Switzerland and will cover the cost of a local rental vehicle. For those who are not so lucky, it also covers the costs of damage to a rental car.
In all cases
Whether by car, train or plane: Assistance for persons provides help, regardless of the mode of transport. In the event of illness, an accident or if you are required to return home suddenly. It covers the cost of the return journey or the return of you and your companions. It also pays any uncovered costs for accommodation and food. Even if you are snowed in or cannot return because of a strike. If you are forced to extend your stay, Assistance for persons insurance will cover any costs incurred. And if something happens before you depart – theft of travel documents, illness, a delayed train, etc. – cancellation insurance can be worthwhile.
| Assistance for persons | Cancellation cost insurance | Motor vehicle Assistance |
If something happens to you on holiday: You or a companion fall ill or have an accident You miss a connecting flight because public transport is cancelled or delayed Fire or another natural force damages your property at home Your passport is stolen Someone breaks into your home Your airline or tour operator goes on strike, is grounded or goes bankrupt
What is covered Call-back and transport costs Additional costs for board and lodging Unused services due to the premature interruption of your holiday |
If you are unable to travel because: You are or your companion is ill Your train to the airport is cancelled A travel warning is issued for your destination Your passport is stolen at the airport. Your airline or tour operator goes on strike, goes bankrupt or is grounded.
What is covered Cancellation costs, incl. administration fees Additional travel expenses in the event of delayed departure Costs of unused admission tickets/season tickets |
If your car breaks down while travelling in Europe.
What is covered Breakdown assistance, towing and vehicle recovery Search, rescue and recovery costs Recovery costs Hire car costs- Submission and customs costs Transport costs |
