Car Insurance:
You must have third party liability insurance to obtain the official registration documents for your car from road traffic authorities
In addition to the Help Point services, you also benefit from discount on your vehicle damage premium. You agree to have all repairs carried out in a Zurich partner garage.
With the new E-Mobility Protect additional coverage in car insurance, you and your electric or plug-in vehicle are well protected:
Please refer to our factsheet, AVBs or your personal policy for the exact sums insured and further details.
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).
The two insurance covers "Parking damage and Parking damage PLUS" cover damage caused to your parked vehicle by unknown vehicles or persons. In the case of Parking Damage, the maximum amount is limited to CHF 1,000 per claim. There is no limit for Parking Damage PLUS. In both cases, up to two claims will be paid per calendar year. Find out more in our knowledge article on parking damage.
As the policyholder, owner and/or keeper of the insured vehicle, I am also insured if it is driven by another person. However, the applicable regulations and exclusions from the insurance cover must be observed in detail. Find out in our article how third-party drivers can protect themselves against damage.
The breakdown assistance applies to the vehicle insured in the policy and the trailer towed by it. The insurance coverage applies to all occupants, including the driver. You can choose between three coverage options:
Your free 24-hour service line in the event of a loss in Switzerland is 0800 80 80 80; dial +41 44 628 98 98 from anywhere else in the world
The car 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. Are you planning to go abroad in your car? Then don't forget to take the International Motor Insurance Card with you.
Car liability insurance is mandatory in Switzerland. Without proof of insurance from a company, you will not receive a vehicle registration from the road traffic office. Car liability insurance covers damage to other vehicles, people, or property that you cause with your car. You can easily calculate the premium online.
The insurance takes effect as soon as your car has been registered at the Road Traffic Office and you have the new vehicle registration document and license plates. We will send you your insurance policy and your premium invoice by post a few days later. You can find the precise insurance cover in your insurance contract.
The electronic insurance certificate serves as confirmation from the insurance company for the Road Traffic Office that the statutory liability cover exists. The insurance company forwards this proof electronically to the Road Traffic Office. Find out more about vehicle redemption and registration on our knowledge page.
You can pay your invoices conveniently at the click of a mouse. A surcharge is payable for instalment payments. If your premium is too high, please get in touch with us so that we can find a solution together, for example by adjusting your contract (call 0800 80 80 80 or use the contact form).
If your premium is too high, please get in touch with us so that we can find a solution together, for example by adjusting your contract (call 0800 80 80 80 or use the contact form).
First check whether you can change your car insurance. A change is possible in the following cases:
Collect different offers for a new car insurance policy and compare them. Tip: Use our free insurance comparison service. With just three details, we show you how much you will pay for your car insurance with Zurich. As soon as you have chosen a car insurance offer, you should cancel the current insurance in good time and take out the new one.
Report the change of insurance to the Road Traffic Office. To do this, you need the insurance certificate and your vehicle registration document. You can also send the documents via mail to the relevant Road Traffic Office in many cantons. You can find more information in our knowledge article.
Zurich Motor Vehicle Insurance is also available for other means of transport. The insurance cover can be agreed individually. You can find further information, quote requests and contact forms on our respective websites or contact your advisor or Customer Service on 0800 80 80 80.
Zurich offers many benefits especially for young people up to the age of 25: