Your benefits

  • More rewards: After three years of accident-free driving  your deductible will be  reduced by 500 Swiss francs, and by another 500 Swiss francs 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 2'179 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.


  • 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 5'000 Swiss francs for pets traveling in the vehicle.

Collision accidental damage

  • Collision accidental damage insurance covers damage to your own car caused by a collision.
  • 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.
  • 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).
  • Coverage includes damage caused by the gnawing of martens or other rodents (including consequential damage).

Third-party liability

  • Sum insured up to 100 million Swiss francs.
  • 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.

Request advice