The car insurance with all-round service: With 28 Help Points & 250 partner garages, we are always close to you. We organize the repair of your car and you receive a replacement car, public transport ticket or cab voucher free of charge.
Thanks to 28 Help Points throughout Switzerland and over 250 partners in your area
Free replacement car in the event of a claim
Awarded for the best online claim notification
Unchanged premium after a claim
Save on car insurance with a life insurance policy
Environmentally friendly electric and hybrid cars drive at particularly low rates with us
Insurance by the kilometer The low-cost alternative to classic car insurance offers round-the-clock protection at a lower price.
Get exclusive coverage for your electric vehicle with Zurich.
With the Z Volt app, it's especially easy to find the nearest charging station and charge throughout Switzerland at a standard price.
You must have third party liability insurance to obtain the official registration documents for your car from road traffic authorities.
Available option: Coverage for gross negligence
Zurich will not ask you to pay back the costs of a loss caused through gross negligence (exceptions: alcohol, driving while impaired, speeding, hazardous overtaking, participation in unauthorized races with motor vehicles).
Available option: Coverage for gross negligence
Zurich will not limit your benefits in the event of a loss caused through gross negligence (exceptions: alcohol, driving while impaired, speeding).
Available option: Cyber attack
The insurance covers the encryption, damage and destruction of software caused by a hacker attack on the insured vehicle. Zurich covers costs for restoring the software or hardware (e.g. the unit), up to the sum insured defined in the policy.
Available option: Parking damage or Parking damage PLUS
Coverage includes damage caused to your parked car by unknown vehicles or persons. The Parking damage option covers up to CHF 1,000 per event. The Parking damage PLUS option has no limit on the amount. In both cases, Zurich will pay for up to two losses per calendar year.
Available option: Glass PLUS
Coverage includes all loss or damage due to breakage to vehicle parts made of glass or materials used as a substitute for glass (e.g. plexiglas). Coverage also includes headlights (e.g. LED or xenon) that are destroyed due to glass breakage.
Available option: Items transported in the vehicle
If any items are damaged that are transported in your car by yourself or your passengers, or if said items are stolen from a locked car, these are covered up to the agreed sum insured. Items carried in the vehicle include, for example, electronic devices such as smartphones, tablets and GPS equipment, as well as merchandise and items used to carry out a trade or profession. It also covers medical expenses up to CHF 5,000 for pets traveling in the vehicle.
Can be selected optionally: Tire and wheel rim protection
Can be selected optionally: Interior protection
Available option: Roadside assistance Switzerland/Liechtenstein with replacement vehicle
Available option: Roadside assistance in Europe with replacement vehicle
Zurich offers you many advantages – especially for young people upto 25.
* The provider of the legal expenses insurance is Orion Legal Protection Insurance Company Ltd, based in Basel. Orion Legal Expenses Insurance Company Ltd. is a subsidiary of Zurich Insurance Company Ltd.
Optional: Battery PLUS
The insurance covers damage to the high-voltage battery (HV battery) caused by operating errors, overvoltage, overcurrent, deep discharge or charger malfunction. Insurance coverage applies if the HV battery suffers an exceptional capacity loss of more than 50% in the first three years of operation. Zurich covers the costs for repairing or replacing a HV battery. The maximum compensation is limited to the vehicle's replacement value. In addition, disposal costs which occur in connection with a damage are also covered up to CHF 2,000.
Optional: Charging station and accessories protection
The insurance covers theft of and damage to charging stations (e.g. wallbox) and charging accessories (e.g. mobile charging stations and devices, charging cables as well as bags and adapters). The insurance covers damages caused by overvoltage, short circuit, operating errors and malfunctions, impact, overturning, vandalism, fire, lightning, flood, etc. Zurich pays the costs of repair or replacement for an equivalent item up to the agreed sum insured. For charging stations from the from fifth year of operation, the compensation is reduced according to the operating duration.
Optional: Charging card and app protection
In the event of loss of the charging card or damage caused by the unauthorized use of the charging card or recharge app by third parties, Zurich covers the costs up to the sum insured specified in the policy. Blocking and replacement fees are also insured. Your family members' charging cards and charging apps are also insured.
** Provider of the services is autoSense AG based in Zurich.
Would you like to retrieve your license plates you have deposited? Order the insurance certificate here.
For all other reasons, e.g. change of vehicle please contact your local agency or call us to request an insurance certificate.
The insurance can have recourse against whoever causes damage through gross negligence after a claim has been paid or can reduce the indemnity payment. Example: You run a red light out of carelessness, causing an accident.
With the supplementary agreement on gross negligence coverage, Zurich waives its right of recourse or reduction (exception: alcohol, driving incapacity, speeding offense, risky overtaking, participation in unauthorized races with motor vehicles).
First, take out motor vehicle insurance. The insurance company then submits the electronic insurance certificate to the responsible Road Traffic Office. After this, you or your garage owner go to the Road Traffic Office with the original of the previous vehicle registration document or in the case of a new car with the inspection report. The latter then issues the license plates and the new vehicle registration document. It is often also possible to send the original vehicle registration document by mail to the Road Traffic Office. In this case, you will also receive the plates and new documents by mail. The best way of finding out whether the responsible Road Traffic Office offers this option is on its website.
You will need proof of customs clearance to register an imported vehicle. To register your vehicle with the cantonal Road Traffic Office, the customs office will issue an inspection report form 13.20 A.
The insurance applies in Switzerland and the Principality of Liechtenstein, European countries as well as the countries bordering the Mediterranean and the island states of the Mediterranean. However, the insurance does not apply in the following countries: Belarus, Moldavia, Ukraine, the Russian Federation, Georgia, Armenia, Azerbaijan, Kazakhstan, Egypt, Algeria, Lebanon, Libya and Syria.
Breakdown assistance CH/FL is only valid for claims occurring in Switzerland and the Principality of Liechtenstein.
You can choose between two coverage options:
- Breakdown assistance CH/FL, premium CHF 19 or
- Breakdown assistance CH/FL incl. replacement vehicle, premium CHF 39 or
- Breakdown service Europe incl. replacement vehicle, premium CHF 84.
If you have your car repaired in one of our Zurich Help Points after accidental damage, we will get you moving again: with a replacement car (if available), a taxi or public transport. You also receive a life-long guarantee in accordance with the guarantee certificate.
The Zurich Help Points provide assistance at any time and anywhere in the event of a loss. You can reach us around the clock and free of charge by calling our 24-hour toll-free number 0800 80 80 80 or online. You can also contact us abroad at +41 41 44 628 08 08.
Zurich offers many benefits especially for young people up to the age of 25:
- No claims bonus: After three years with no claims, you will receive 10% of your premium back
- Your premium will be reduced each year up to your 25th birthday
- Family bonus: If your parents already have two contracts with Zurich, you get a 15% discount
- Every new car insurance comes with a free Orion* motorist's legal protection insurance for 1 year.
With the clever vehicle assistant from autoSense, you have a smart passenger on board. Plug in the adapter in the car and download the app, and you'll have your vehicle data on your smartphone at all times. Vehicle diagnostics, driver's logbook, vehicle location and driving behavior can all easily be found in one app. Thanks to the cooperation with partners such as Zurich Insurance, AMAG or Swisscom, you also have access to further exclusive services in the app. For example, the Zurich SOS button connects you directly with the SOS team in the event of a breakdown or accident, and transmits the GPS data with your consent. This enables you to get you even faster help on the spot. For Zurich customers, the autoSense Adapter Basic is free of charge and can be ordered easily online.