You park your car, come back from doing your shopping and notice that there is a scratch on the paintwork. It's not clear who caused the damage – there's nobody about. In this case, insurance companies class it as parking damage.
If, on the other hand, you yourself damage your vehicle while parking, it is not a case of parking damage, but a collision. If you have taken out fully comprehensive insurance, this will cover the costs caused.
Parking damage insurance is a type of supplementary cover that you can integrate into your partially or fully comprehensive insurance. As a rule, any damage to your car for which someone else is at fault must be covered by the liability insurance of the party responsible for the damage. If that person is unknown, however, your parking damage insurance will cover the costs.
Parking damage insurance mainly makes sense for new cars, especially if the vehicle is leased or often parked in public places.
As a rule, any damage is covered by the liability insurance of the party responsible for the damage. If, however, it is not known who is responsible for the damage, the costs are covered by the parking damage insurance.
If you notice any parking damage to your vehicle, report this to your insurance company as soon as possible – online or by telephone.
In Switzerland, all motor vehicle drivers are required by law to have liability insurance. Motor vehicle liability insurance gives you financial cover against any loss, damage or injury that you cause to other property or people with your car.
In addition to compulsory liability insurance, our experts also recommend taking out partially or fully comprehensive insurance, depending on your vehicle. Our article explains the difference.
Parking damage insurance covers any damage to your vehicle caused by unknown third parties.