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Non-owner car insurance

Ratgeber Autoversicherung wechseln oder kündigen
Ratgeber Autoversicherung wechseln oder kündigen
Do you regularly drive vehicles that are not your own? With non-owner car insurance you enjoy reliable protection in all traffic situations.
  • Can be taken out as supplementary “Use of third-party motor vehicles” insurance as part of private liability cover
  • Costs for vehicle towing are covered
  • Worldwide insurance cover
  • Costs are covered for damage to borrowed vehicles and in respect of third parties
  • Costs are covered for premium increase in the event of the vehicle owner losing his/her bonus
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What is non-owner car insurance?

Non-owner car insurance is a type of supplementary insurance as part of private liability cover. With supplementary “Use of third-party motor vehicles” insurance you are protected against the financial consequences of an accident involving a third-party vehicle.

Who is non-owner car insurance suitable for?

If you regularly use a car that belongs to your parents or an acquaintance it is worthwhile taking out this supplementary insurance as part of your private liability cover. Moreover, if you rent a car via a car-sharing platform you are also well protected with non-owner car insurance.

If the borrowed car is insured with fully comprehensive cover, the vehicle owner's insurer will cover the costs of the loss. However, the vehicle owner is still obliged to pay the deductible and any premium increase. It is thus worthwhile taking out supplementary insurance in this case too.

What does non-owner car insurance cover?

Damage from the use of third-party motor vehicles

The insurance covers both damage to the vehicle itself and damage caused to third parties by the vehicle.

Towing costs

If the vehicle has to be towed after an accident or breakdown, Helvetia will cover these costs.

Higher insurance premiums

Any loss of bonus is also insured, if the loss results in a premium increase for the vehicle owner.

Is it worthwhile taking out non-owner car insurance if a third-party vehicle is used only occasionally?

If you only use someone else’s motor vehicle occasionally, your basic private liability insurance is sufficient. For Helvetia, “occasionally” means only on an exceptional basis and not on more than six days a year. In this case, supplementary insurance is not required.

Calculate premium now

Take out Helvetia private liability insurance simply and online now with supplementary "Use of third-party motor vehicles".

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