Compulsory liability, partial comprehensive, full comprehensive, passenger cover: the right plan depends on the age and value of your vehicle. Here's how to adjust your cover and reduce your premium.
Covers the damage you cause to others with your vehicle (people, cars, property). Without it, no registration is possible in Switzerland.
Covers your own vehicle for theft, fire, glass breakage, natural forces and collisions with animals. Often worthwhile for a vehicle a few years old.
Adds cover for damage to your own vehicle that you cause yourself (collision through your own fault). Recommended for a new or leased vehicle.
Covers certain costs (invalidity, death, care) for the vehicle's occupants, in addition to accident and health insurance.
| Vehicle situation | Generally suitable plan |
|---|---|
| New or leased | Liability + full comprehensive (often required by the leasing contract) |
| About 2 to 7 years | Liability + partial comprehensive, full comprehensive depending on residual value |
| Older / low value | Liability only, possibly partial comprehensive for theft and glass breakage |
Indicative: the decision depends on the vehicle's real value, your budget and your risk tolerance. Personalised advice is still needed.
The saving reflex: as your car loses value, keeping expensive full comprehensive cover rarely stays worthwhile. Reviewing your plan every 2-3 years can noticeably reduce your premium without exposing you.
Many drivers still pay for full comprehensive cover on a vehicle that no longer justifies the cost. We compare offers on the Swiss market and adjust your plan to your car's real value, so you only pay for what you need.
No. Only vehicle liability is compulsory to drive in Switzerland. Comprehensive cover (partial or full) is optional and chosen according to your vehicle's value.
Generally at the annual renewal with notice (often 3 months), or on specific events such as a claim or a premium increase. We check your deadlines before taking any step.
In the vast majority of cases, yes: the leasing contract requires full comprehensive cover for the whole financing period.
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