The first ride in your new car – a great feeling! Do you have a good feeling about your insurance coverage, too? In Switzerland liability insuranceis compulsory for motor vehicles. 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 (bodily injury and property damage to third persons).
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 to your own vehicle for which you are to blame. We have motor vehicle insurance tailored to you.
Had a breakdown or an accident? We won't let you down! Tim and Tanja are driving home after a weekend skiing. En route the car breaks down and needs significant repairs. The vehicle has to be towed away and the couple have to rent a car so that they can get back home with all their luggage in time for the start of the week. The Assistance insurance covers all costs that might be incurred in case of an accident or a breakdown (breakdown assistance, towing service, rental car costs, etc.). Motorists' legal expenses insurance is also included. Enjoy the many advantages of motor vehicle Assistance.
It all happened so quickly: a minor oversight while parking and suddenly there is a dent in the back of Tim's car. 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. Tim concluded the bonus protection as part of the motor vehicle insurance. This way, the whole thing is easier to deal with. We even grant him two additional bonus levels on his liability and comprehensive cover, because he completed a driver safety training course in Switzerland that is recognised by Helvetia. It's in your hands!
As a road user, Tim bears considerable responsibility for himself 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. This situation can quickly end in an accident. With the waiver of recourse, you won't suffer any financial losses.
Tim leaves his car standing in the car park briefly and on returning discovers a dent in the passenger door. That’s all he needs! Damage caused by third parties to a parked vehicle is always annoying, and the repairs can be very expensive. The parking damage insurance covers such cases. With the motor vehicle insurance, you can choose from various different sums insured.
The holidays are approaching and you want to insure your car particularly well for your stay in foreign climes. Conclude temporary (fully) comprehensive cover for the duration of your 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.
Tim occasionally takes his friend's convertible out for a spin, and every now and again borrows his neighbour's van if he's going on a bigger shopping trip. His insurance only covers damages involving third parties' vehicles, because he has taken out external driver protection. This way, damages to borrowed vehicles and any loss of bonus are covered. The external driver protection is part of the private liability element of the youth insurance.