Off to the mountains at the weekend, a short shopping trip or the daily commute? Whatever you’re planning, with Helvetia car insurance you are always fully covered.
You have to be well covered when driving, to protect other road users and yourself from financial losses. Liability insurance, covering losses or damage incurred by third parties, is mandatory. Without it the vehicle cannot be registered. On the other hand you can also choose partially or fully comprehensive insurance, which takes effect when your own vehicle is damaged.
Liability insurance is mandatory for vehicle owners. It pays out in the event that you cause loss or damage to third parties with your vehicle. This applies to people, animals and property. It protects you against unjustified claims for damages. It also covers loss prevention costs and provides insurance cover for environmental damage. This may arise, for example, if oil or fuel escapes in the event of an accident.
Partially comprehensive insurance takes effect when your own car suffers damage which is caused neither by you nor by another driver.
Helvetia covers the costs of repairs for the following risks:
Fully comprehensive insurance covers damage to your car for which you are at fault. It also includes all the benefits of partially comprehensive insurance. Fully comprehensive insurance is primarily recommended for new vehicles. In this case the loss of value in the event of damage is particularly high. Fully comprehensive insurance is generally mandatory for leased vehicles.
The following costs are covered:
You can also add supplementary options to your comprehensive insurance.
As a rule the following applies: Cars that are less than six years old should be fully comprehensively insured, Because if you also included “current value supplement” cover in your policy, the insurance company will still pay between 80 and 90 percent of the list price for a total loss in the third year of operation. Fully comprehensive is actually often mandatory in the case of leased vehicles. For cars that are less than ten years old, a partially comprehensive policy is recommended.
But you should always weigh up how you want to insure your car in your individual case, because factors such as the current value of the vehicle and your financial situation play a role too.
This insurance covers personal injuries which the driver and passengers suffer in an accident. Dogs and cats travelling in the vehicle are also covered.
Within the scope of the agreed benefits, the insurance covers the costs of
Assistance covers the costs incurred as a result of a vehicle breakdown. These include, for example, breakdown assistance and towing, but also legal expenses insurance. It covers benefits such as:
With bonus protection, the level of no-claims bonus is retained for the first claim each year. This applies to legal liability, partially and fully comprehensive insurance, as well as parking damage.
With this additional cover, Helvetia waives its right of recourse even in the event of gross negligence. This means that we do not claim any money back if you cause an accident through gross negligence. In general, gross negligence includes serious infringements of the traffic regulations. Here are some examples: You are distracted by using your phone and you pass a red traffic light, you overtake on a solid white line or you drive too fast
With RepairPlus you get a rapid, simple, all-round service in the event of a claim, as well as numerous benefits in our partner workshops. Competence, service and a lifetime guarantee on the repairs are the key features of our supplementary product. The following services are included:
Benefit from our eco-discounts. Vehicles with alternative drive systems or eco-friendly fuels are insured by Helvetia on particularly favourable terms.