As a rule, you can cancel your insurance on the expiration date. The notice of cancellation must reach the insurance company three months prior to that date. Be aware that you may have concluded a multi-year contract, which cannot be cancelled every year.
An exception to this rule is when you change your vehicle, in which case the three-month notice period does not apply. You can change or cancel your insurance contract either in advance or with immediate effect. Any premiums you have already paid are refunded to you.
In order to register the new vehicle, you need to provide the authorities with a certificate of insurance. Please contact Helvetia so that we can issue you with a corresponding document. In order to provide the certificate quickly, Helvetia requires some data from you. You or your garage owner can then have the vehicle registered.
If the second car has the same registration number (transferable licence plates), you can use the two vehicles alternately. One insurance contract provides you with cover for both vehicles.
If your car is damaged and declared a total loss, or if it is stolen, the insurance covers the damage. Normally, this is measured in terms of the vehicle's current value. In the first few years after purchase, vehicles depreciate in value quickly. Example: If you bought your car for CHF 40,000 one year ago and have driven 12,000 km, the market value of a comparable vehicle is CHF 28,000.
With current value replacement, your car's depreciation is spread over several years – and thus reduced. In this way, the compensation you receive will be higher if your car is declared a total loss. The current replacement value can be higher or lower, depending on who you are insured with. Helvetia will reimburse the full list price of your car during the first two years. Other insurers reimburse around 80-90% of the purchase price in the second year. Depending on the value of your car, that can quickly add up to as much as CHF 10,000.
Sometimes also called "Green Card", is the international certificate of insurance. Some European countries require drivers to carry such a card as proof that they have insurance cover. You should always have this card in your car when you drive anywhere abroad.
If you deposit your licence plates with the cantonal authorities for at least 14 days, you can have the premium for the corresponding period reimbursed. The insurance runs for a further 12 months starting from the date of deposit. Damage caused to the vehicle on public roads is excluded, as vehicles without licence plates cannot be driven on these.
In order to register your car, the vehicle licensing office requires proof of insurance. The certificate of insurance is issued when you take out your car insurance, and Helvetia transfers it electronically to the vehicle licensing office. If you need a certificate of insurance for any other reason, please contact Helvetia so that we can issue one.
When you move house, you also need to re-register your car.
If you move within the same canton, it is important to notify the vehicle licensing office of your new address. They will then change the address in the vehicle registration document.
If you move to another canton, you must report to the vehicle licensing office of the new canton within 14 days. Take along the following documents:
Every vehicle has to be registered by the cantonal vehicle licensing office. To register a new vehicle, you need the following documents:
If you take out the Assistance insurance module along with your car insurance, legal expenses insurance for motorists is covered. Helvetia also offers separate legal expenses insurance for road traffic disputes.
Here, too, your comprehensive motor insurance covers the cost of having the vehicle towed away. The actual damage caused to the vehicle by the wrong fuel is not covered, as transmission damage is not an insured event.
The insurance premiums depend on the claims history. If a claim occurs during the observation period, the premium for the following calendar year increases. The observation period is from 1 September to 31 August. Every loss event triggering either the payment of compensation or the recognition of provisions raises the premium by four bonus levels.
If you take out the Bonus Protection Insurance supplement, the first loss event per year and per type of cover (e.g. liability, partially comprehensive, parking damage) has no negative impact on your premium, meaning you will not have to pay a higher premium because of it. By the way, under partially comprehensive insurance, a loss event costing no more than CHF 400 has no effect at all on your bonus protection insurance. This also applies if you have any glass or hail damage repaired by one of Helvetia's partner companies.