Do you support climate-friendly mobility for the future? We think that's great and therefore offer not only the right insurance coverage for you and your electric car but also less expensive premiums for environmentally friendly cars.
ProClima bonus for environmentally friendly cars
Guaranteed round-the-clock assistance worldwide, 365 days a year
10% online discount on your premiums until 31 December 2024
When choosing a car insurance policy, the focus is always on your personal safety needs as well as on the vehicle you want to insure. In addition to compulsory third-party liability insurance, our experts also recommend taking out partial casco or comprehensive insurance, depending on your car.
Third-party liability – minimum cover required by law
Protects you financially against any damage you cause with your car.
If you cause damage to other people’s property with your car.
If you injure or kill other people or animals with your car.
Partial casco – for environmental damage and theft
Cover for damage to your vehicle caused neither by you nor by other drivers.
Helvetia pays in the event of:
Damage caused by storm, hail, high water, landslide, avalanche, snow pressure and falling rocks
Snow falling from roofs and branches falling under the weight of snow
Damage caused by earthquakes and volcanic eruptions
Glass breakage of windscreen, side, rear or roof windows
Malicious damage such as breaking off wing mirrors or slashing tyres.
Fire and consequential losses resulting from fire-fighting operations
Accidents involving wild animals
Damage caused by martens
Damage to a parked vehicle with partial cover PLUS
Comprehensive insurance – extensive cover for carefree driving
Also covers you for damage you cause to your car yourself.
For all benefits available with partial casco insurance
For damage you cause to your car yourself – e.g. in the event of a rear-end collision or scraping a post
In the event of a total loss: the current value or the current value supplement if taken out
For the cost of repairs in the event of partial damage
For recovery, transport and towing costs up to CHF 10,000
For the recovery of a stolen vehicle if found within 30 days following a claim
Storage costs and parking charges up to CHF 500
With full cover PLUS also for damage to a parked vehicle
Increase your cover to give you the extra protection you need.
Damage to a parked vehicle
If your parked car is damaged by unknown persons, we won’t leave you in the lurch.
Does your vehicle have some attractive, high-value equipment? Then it’s worth taking out unlimited cover for your accessories to avoid being underinsured.
With this add-on, we cover the cost of damage to tyres caused by nails, kerbs, sharp objects or vandalism/malicious damage.
In the event of a claim, you not only benefit from our quick and easy all-round service, but also from other advantages of our expert partner companies.
Which vehicles are considered to be electric cars?
The term electric car comprises all private cars that are driven only with an electric engine and are powered by electricity.
Does Helvetia offer battery insurance?
No, Helvetia does not offer additional battery insurance for the following reasons:
You receive a guarantee for the battery capacity from the manufacturer of your electric car.
As a rule, battery capacity of 70% for the first eight years or the first 160,000 kilometres is insured via the manufacturer’s warranty. If the capacity falls below this figure, the manufacturer is liable.
Surges and short circuits are also very rare when using certified chargers.
When can I change or cancel my car insurance?
Changing your car insurance is very easy and is possible in the following cases:
On expiry of the contract, taking account of the period of notice
When you buy a new car
When there is a change of owner
If your insurance company increases the premium for the next year
Yes, if you want to register a separate licence plate for your second car, you will also need separate insurance policy. Alternatively, you can register your second car with a transferable licence plate. This allows you to use both vehicles alternately and gives you insurance cover for both vehicles under a single contract.
To register a transferable licence plate, you will need a certificate of insurance. You can order one quickly and easily online.