- Menu
- Private customers
Car insurance
With flexible car insurance you determine the direction you take. Put together your motor vehicle insurance according to your own wishes and get insurance coverage tailored to your needs with regard to safety, affordability and transparency.
-
Fast and uncomplicated claims settlement
-
Attractive premiums – compare them now
-
Bonus protection with the first claim
-
Free choice of repair workshop
-
Value of new vehicle paid out if the vehicle is written off in the first two years of operation
In the customer satisfaction survey carried out by the comparison services Comparis.ch and Bonus.ch in 2017, Helvetia car insurance gets top marks. Particularly convincing are the areas of claims settlement and customer service.
Cover
Compare for yourself and choose the version of our car insurance that best suits you.
Mandatory liability insurance covers insured persons against property damage or bodily injury to third parties caused by the insured vehicle. In addition, you are also protected against unjustified claims for damages.
Your vehicle is insured against damage due to external factors such as theft, fire, natural forces (such as storm damage, hail and flooding), glass breakage, collision with animals, vandalism and damage by martens.
In addition to partially comprehensive cover, comprehensive cover insures you in the event of collision damage to your own vehicle for which you are to blame. Helvetia’s fully comprehensive cover consists of the two components of partially comprehensive cover and comprehensive cover.
The accident insurance for passengers covers bodily injury to the driver and passengers within the scope of the agreed benefits. Dogs and cats transported in the vehicle are also insured in the event of an accident.
Additional insurance
No reduction due to gross negligence
This relates to our waiving the right of recourse granted to us by law in the case of damages caused by gross negligence (supplementary cover, gross negligence cover).
Bonus protection with the first claim
With bonus protection insurance, the first claim each year and benefit will have no negative effects on your bonus.
Fully comprehensive glass replacement
Regardless of whether it’s the windscreen, headlamps or indicators, with the Glass Plus supplementary cover, all the damage to the vehicle parts made of glass or glass substitutes are 100% covered.
Parking damage
Parking damage is annoying and can be expensive. Parking damage insurance offers you effective cover against damage caused to your parked vehicle by third parties.
Repair Plus
With Repair Plus we offer you a quick and easy all-round service in the event of a claim. You benefit from numerous advantages when repairing in one of our selected partner companies. Competence, service and a lifelong warranty on the repair work distinguish our additional product.
- free pick-up and drop-off service
- continuous mobility
- vehicle cleaning
- no bonus loss
- reduction of the contractually agreed insurance deductibles
- Repair by certified Helvetia partner company
- lifelong guarantee on completed works
Breakdown assistance, towing service and motorists’ legal expenses insurance
The assistance service offers you rapid, reliable and competent support in dealing with damages, with breakdown recovery and towing service, for example. What begins as a minor incident can end up being a costly legal battle, so legal expenses insurance for motorists is integrated into the assistance package.
Premium cars
Vehicles over CHF 120,000 and up to the third year of operation can be insured against
additional risks:
- No bonus downgrade in case of a claim
- Civil unrest and earthquakes are insured
- Transport on third-party axles
- Compensation of urgent repairs without enquiry up to CHF 5,000
Further information
Good to know
- It is possible to switch your car insurance if you change vehicles, upon termination of a contract, if your insurer raises your premiums or if you file a claim.
- No deductible and no effect on the bonus level in the event of windscreen damage: take advantage of a simple and rapid service for repair or replacement of the windscreen.
- Reduce your premium by attending a driver safety training course. You get a reduction of two bonus levels.
- Car insurance including assistance service: you can integrate the assistance service into your car insurance – and it’s well worth it: breakdown/accident assistance and legal expenses insurance for motorists in one.
- Eco discount: insure your vehicle with alternative drive systems or environmentally-friendly fuels at particularly favourable conditions thanks to an attractive eco discount.
- Holiday cover: enhanced insurance coverage for holidays in Switzerland and abroad. In addition to the mandatory liability and partially comprehensive cover, with this option you are also covered for collisions or wilful damage during this time.
- Hand in your car’s number plates during a long trip away or even over the winter months. During this time, you will pay no premium to Helvetia but nevertheless have full insurance coverage.
Examples of damage
Windscreen damage
Around 50% of windscreens damaged by rock strikes do not have to be replaced. A repair to the windscreen keeps costs down and saves you valuable time. Helvetia organises windscreen repair or replacement of the windscreen for you. Take advantage of a simple and quick service.
Report the claim directly to the Helvetia Claims Centre and benefit from the following advantages:
- You pay no deductible if Helvetia organises the repair for you.
- No effect on the bonus level or on the bonus protection.
- A repaired windscreen is safe and corresponds to the statutory provisions.
- Environmentally friendly – no recycling of the old windscreen required.
- You decide when and where the repair takes place.
- You won’t be left without a vehicle – where required, our partners will arrange a passenger car for you as a replacement vehicle.
Change of vehicle - What do I need to do?
You will need proof of insurance in order to license the vehicle you have purchased. Please contact us so we can provide this for you. We need you to provide us with some details on the new vehicle and will then issue the proof of insurance immediately. You or your mechanic can then submit the new registration.
I have a second car that I use only occasionally - Do I need an extra insurance for this?
No. With a multi-vehicle registration number, nothing need stand in the way of you using a second vehicle. We also cover vehicles that are licensed by the road traffic authority and are included in your contract for the multi-vehicle registration number.
Bonus/surcharge - What is that?
Insurance premiums are dependent on claims histories. If a claim is filed during the observation period, then the premium will go up in the following calendar year. The increase only affects the business line affected by the claim, however*. The bonus level will be incremented by four levels for each insured event occurring during the observation period and leading to compensation being paid or reserves being formed.
If you opt for supplementary «bonus protection insurance» then the first claim per year and per business line will have no negative effect on your premium, i.e. the premium won’t go up. By the way, a claim in the case of partially comprehensive cover that costs no more than CHF 400.00 will have no bearing on the bonus protection insurance, and the same applies if glass or hail damage is repaired by our partner businesses.
* A business line corresponds to an area of insurance cover such as liability, partially comprehensive cover, fully comprehensive cover or parking damage.
Downloads & links
-
© year Helvetia Insurance Switzerland
·
-
St. Alban-Anlage 26
·
-
CH-4002 Basel
·
-
+41 58 280 1000
·
-
Imprint
·Legal Info