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.
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.
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.