Car insurance

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:

• Fire and consequential losses resulting from fire-fighting operations
• Natural occurrences such as storm, hail, flooding, landslide, avalanche, snow pressure and falling rocks
• Snow falling from roofs and branches falling because of the weight of snow
• Attempted and actual theft and robbery
• Glass breakage
• Wild animal collisions 
• Damage caused by martens
• Malicious damage such as the smashing of door mirrors or the slashing of tyres
  

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:

• In the event of total loss, Helvetia pays the current value or the current value supplement if taken out.
• In the event of partial loss or damage, Helvetia covers the repair costs.
• For slashed tyres, Helvetia reimburses the current value.
• Recovery, transport and towing costs (up to CHF 10,000)
• Recovery of a stolen vehicle if found within 30 days following a claim
• Customs duties
• Storage costs / parking charges (up to CHF 500)
  

You can also add supplementary options to your comprehensive insurance.

• Parking damage: This covers damage caused by third parties to your parked vehicle.
• Glass Plus: This covers all breakage of vehicle components made of glass or glass substitutes, such as mirrors or lights. 
• Current value supplement insurance: In the event of a total loss, you receive at least 10% more than the actual current value of your vehicle; in fact 100% of the list price in the first two years of operation.
  

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.

Passenger accident insurance

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

• Curative treatment
• Accommodation costs for the parents of an insured child in the hospital (up to CHF 10,000)
• Home care
• Damage to aids and items that replace or compensate for a body part or bodily function, such as spectacles, contact lenses, hearing aids and prosthetics
• Clothes and personal effects (up to CHF 10,000)
• Travel, transportation and rescue costs (in the case of a search operation for recovery, up to CHF 10,000)
• Repatriation costs
• Daily allowance
• Hospital benefit
• Disability capital
  

Assistance

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: 

• Travel costs for public transport, taxis or other means of transport
• Hire car costs
• Costs of overnight accommodation
• Recovery, transport and towing costs
• Breakdown assistance
• Shipping costs for spare parts
• Vehicle recovery costs to the owner's place of residence in Switzerland
• Legal expenses in connection with a road accident
• Customs duties
  

Bonus protection

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.

Waiver of right of recourse in the case of gross negligence

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

What are the advantages of RepairPlus?

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: 

• Free pick-up and drop-off service
• Continuous mobility
• Cleaning of the vehicle
  
• No loss of bonus
• Reduction of the contractually agreed deductibles
• Repairs by a certified Helvetia partner company
  

To the partner companies

The eco-discount

Benefit from our eco-discounts. Vehicles with alternative drive systems or eco-friendly fuels are insured by Helvetia on particularly favourable terms.