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Car insurance
Are you taking the car for a day out to the countryside or just a quick trip to the shops? Wherever you are going to, you will drive safely with Helvetia's car insurance.
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Eco discount for environmentally friendly vehicles
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Free choice of repair workshop in the event of a claim
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All-round service in the event of a claim with RepairPlus
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Premium reduction with driver safety training
Put together your own personal car insurance policy
It is important to us that you get the car insurance you really need. Neither too much nor too little. Use our insurance modules to put together your own personal cover package. Find out more about the individual components of car insurance here.
A brief guide to car insurance
What is the difference between liability insurance, partially comprehensive cover and fully comprehensive cover?
Vehicle liability insurance – 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.
Partially comprehensive cover – 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.
Fully comprehensive cover – 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.
What means gross negligence, bonus protection and parking damage?
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 bonus protection insurance, the first claim each year and benefit will have no negative effects on your bonus.
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.
What are the advantages of an Assistance package?
Our Assistance package offers you quick, reliable and competent support if there is damage to your vehicle, for example covering the cost of breakdown and recovery services. What begins as a minor incident can end up as a costly legal battle, so legal expenses insurance for motorists is also included in the Assistance package.
What does the supplementary Glass Plus insurance cover?
Whether the damage is to your front windscreen, headlights or indicators, our supplementary Glass Plus insurance provides 100% cover for damage to all vehicle components made of glass or glass substitutes.
What are the advantages of RepairPlus?
With RepairPlus 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
go to the list of partner companies (in German)
Which insurance covers the driver and passengers?
Passenger accident insurance covers personal injury to the driver and passengers within the scope of the agreed benefits. Dogs and cats travelling in the car are covered in the event of an accident.
Calculate premium now
You and your car are unique, so you can tailor-make your own policy and calculate your premium here. Take out your policy online in just a few easy steps.
Frequently asked questions (FAQ)
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.
Second car - Do I need additional car insurance?
If you use interchangeable licence plates for the second car you can use both vehicles alternatively and enjoy cover for both under a single policy.
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.
