In Switzerland liability insurance for motor vehicles is compulsory. And not without good reason: think about the immense costs that would be incurred if, for example, you drove your car into another vehicle and in doing so, even injured people. The motor vehicle liability insurance covers claims filed against you, such as bodily injury and property damage to third persons, as well as any loss prevention costs.
If you have an expensive car, you want to preserve its value for as long as possible. With partially comprehensive cover, your vehicle is insured against theft, fire, natural hazards (e.g. storm, hail, flooding), avalanche, glass breakage, collision with animals, malicious damage and damage caused by martens. The (fully) comprehensive insurance goes one step further and covers collision damages caused to your own vehicle for which you are to blame. We have motor vehicle insurance tailored to you.
Have you broken down in the middle of a junction in the evening rush hour? We won't let you down! The motor vehicle Assistance insurance covers the costs of breakdown recovery, towing service or returning the vehicle, as well as search and rescue of passengers following a traffic accident. Let us help you with the motor vehicle Assistance.
It all happened so quickly: Nina is in a hurry to get something from the grocery store before it closes. A minor oversight while parking and her car gets a dent in the back. The supposedly minor damage can be expensive to repair. With bonus protection insurance the first claim per year and per insured business line will have no effect on the bonus level. Nina concludes her bonus protection as part of the motorcycle insurance.
We even grant Nina two additional bonus levels, because she completed a driver safety training course in Switzerland that is recognised by Helvetia. Nina has matters in hand.
As a road user, Christian bears considerable responsibility for herself and others. It is therefore essential to take care. Nevertheless, accidents can happen. If he concludes the supplementary cover for «waiver of recourse in case of gross negligence» as part of his motor vehicle insurance, Helvetia will not exercise its legal right of recourse or reduction in case of a claim involving gross negligence. Tune the car radio at the wrong moment, and before you know it you've driven through a red light. A situation like this can quickly end in an accident. With the waiver of recourse, you won't suffer any financial losses.
Christian leaves his car standing in the car park briefly and on returning discovers a scratch in the passenger door. That’s all he needs! Damage caused by unknown third parties to a parked vehicle is always annoying, and the repairs can be expensive. The parking damage insurance covers such cases. With the motor vehicle insurance, you can choose from various different sums insured.
Do you not have your own car but occasionally borrow one belonging to a friend? If you cause a collision with another vehicle while driving the borrowed vehicle, your friend's motor vehicle liability insurance will cover the damage to the other vehicle. However, you'll have to pay to repair the damage to your friend's vehicle yourself. With the external driver protection as part of the private liability insurance, you can protect yourself in such cases from the financial consequences and any possible loss of bonus
The holidays are approaching and Claudia and Christian want to insure their vehicle particularly well for their stay in foreign climes. They conclude temporary (fully) comprehensive cover for the duration of their holiday. This covers damage to the vehicle resulting from collisions or the wilful or malicious actions of third parties. Our solution: holiday cover for relaxing and carefree holidays.