It takes innovation to offer the best protection. Take a look at our car insurance with many benefits, e.g. three years' no claims is rewarded with a CHF 500 reduction in excess.

Let our experts advise you at one of our locations, or give us a call! 0800 33 88 33

Your benefits

  • More rewards: After three years of accident-free driving  your deductible will be reduced by CHF 500, and by another CHF 500 after a full six years of accident-free driving.  
  • More money back: No-claims bonus option: You will also receive a 10% refund on your premiums after three years with no claims.
  • More premium protection: We will no longer be using a premium rate system – You benefit from it, because your premium will no longer automatically increase in the event of a loss.
  • More service: Our experts are nearby and glad to advise you, and guarantee that your claim can be settled easily and efficiently at one of our many Zurich Help Points.

Third-party liability

  • Sum insured up to CHF 100 million.
  • Insurance covers property damage and bodily injury that you cause to third parties with your car.
  • We defend you against un­jus­ti­fied claims by third parties.

Collision accidental damage

  • Collision accidental damage insurance covers damage to your own car caused sudden, forceful, external impact.
  • Zurich also provides benefits in the event of an accident for which you are at fault.
  • In the event of a total loss, you will receive 100% of the vehicle replacement value of your car  within the first year of operation (capped at the amount of the paid purchase price).
  • Collision accidental damage and single vehicle accidental damage insurance combined give you comprehensive insurance.

Partial collision damage

  • With single vehicle accidental damage insurance, your own car is insured against theft, glass damage, animal, vandalism, fire and damage caused by natural hazards (e.ghail).
  • Optional extras: Damage caused by martens parking damage, personal belongings in the car.


  • Zurich accident insurance protects you and any passengers in your vehicle against the potential financial consequences of accidents.
  • The insurance also covers medical expenses within the first five years following the day of the accident. If you require an inpatient hospital stay, the coverage also includes a private ward.
  • Accident insurance coverage is also valid in other people’s cars for you and your family – worldwide for up to six weeks.
  • It also covers medical expenses up to CHF 5'000 for pets traveling in the vehicle.


  • Valid in Switzerland and the Principality of Liechtenstein
  • Zurich covers the organization and costs of roadside assistance, including minor parts and vehicle towing and recovery costs.
  • Additional costs for necessary accommodation, completion of journey by public transport, vehicle transfer in Switzerland are covered.
  • Zurich will pay up to CHF 1'000 in total for all services provided.
  • Alternative option: Breakdown assistance, Europe.


  • The legal expenses insurer Orion is Zurich's reliable partner in providing you with cover in the event of legal proceedings.
  • Competent legal information with Orionline, advice provided by lawyers or coverage of lawyers' fees.
  • Coverage of court costs and litigation costs, including the other party's costs
  • Costs up to CHF 500'000 per incident are covered.
  • Waiver of reduction for gross negligence (except when driving under the influence of alcohol).

Swiss Insurance Innovation Prize

Every year in late fall, the trade journal "Schweizer Versicherung", the Institute of Insurance Economics at the University of St. Gallen, the Swiss Insurance Brokers Association (SIBA) and the auditing and consulting firm EY Switzerland join forces to award the Swiss Insurance Innovation Prize. The judging panel rates the degree of innovation in products and services launched during the current or previous year by insurance companies located in the Principality of Liechtenstein or Switzerland. Zurich was honored with the Swiss Insurance Innovation Prize 2016 for its new car insurance.