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.
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.
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.
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).
With bonus protection insurance, the first claim each year and benefit will have no negative effects on your bonus.
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 is annoying and can be expensive. Parking damage insurance offers you effective cover against damage caused to your parked vehicle by third parties.
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.
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.
Vehicles over CHF 120,000 and up to the third year of operation can be insured against
While manoeuvring in a car park, Mr Sommer grazed a parked vehicle. This caused damage to both vehicles. Helvetia’s motor vehicle liability insurance covers the cost of damage to the parked vehicle. The damage caused to Mr Sommer’s vehicle is covered by Helvetia's comprehensive cover insurance.
For repairs to bodywork damage Helvetia has a network of selected bodywork repair garages. Having repairs carried out by one of our partner companies offers many advantages.
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.
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.
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.