Zurich pays up to CHF 1'000 per event if your parked car is damaged by unknown persons or vehicles who flee the scene. With Parking damage PLUS, there is no maximum amount.
Insured are all breakage damage to vehicle parts made of glass or glass substitutes (e.g. plexiglass), as well as headlights destroyed due to glass breakage.
If carried items such as laptops are damaged in a loss event or stolen from the locked vehicle, they are insured up to the agreed insurance amount. Medical treatment costs for accompanying pets are covered up to CHF 5'000.
Zurich organises and covers the costs for roadside assistance on site – including replacement of small parts, towing, mobility substitute and accommodation. This service applies either to Switzerland and Liechtenstein or throughout Europe.
Among other things, this covers medical expenses (including private clinics), disability, and death for insured passengers. You receive payment regardless of who is at fault. This coverage also protects you and your family when using third-party vehicles.
This option insures damages caused by hackers to your car’s software. Zurich covers the costs for restoring software or hardware up to the insured amount.
We cover the costs if a tire bursts or is damaged, for example due to shards, screws, or contact with a curb.
Insured are burn holes, tears, cuts, and severe stains inside the vehicle. Zurich covers the repair costs up to the agreed sum.
Covers battery damage (operating errors/wear), charging stations (theft/malfunction), and misuse of charging cards. Repair or replacement costs are covered up to the agreed sum.
Zurich pays in cases of gross negligence without reclaiming the amount from you. This does not apply to driving under the influence of alcohol or drugs, speeding offences, and other exclusions.
In the event of a total loss, we will reimburse you up to the purchase price paid for your vehicle, for up to 5 years from the date of purchase.
Please refer to our factsheet, the General Insurance Conditions (GIC), or your personal policy for exact coverage amounts and further details.
You must have third party liability insurance to obtain the official registration documents for your car from road traffic authorities
You benefit from a reduced premium and our claims service. For this, the claim must first be reported to Zurich so that we can organize the repair in a Zurich partner garage.
Your benefits:
Zurich covers the organisation and costs of roadside assistance on site, including replacement of small parts, towing and recovery costs for the vehicle and other additional costs such as mobility replacement, accommodation, etc. A replacement vehicle is available as an optional add-on to roadside assistance coverage CH/FL or Europe.
With the new E-Mobility Protect additional coverage in car insurance, you and your electric or plug-in vehicle are well protected:
Comprehensive cover is comprised of partial casco and collision cover. Collision includes accidental damage to your own vehicle. A typical comprehensive cover claim is a collision with a post or other vehicle, which you caused yourself. It doesn't matter whether the collision is with an object, such as a tree or a wall or another vehicle, and the damage was caused by you. Damage caused by willful acts of third parties is likewise covered. Damage caused by the motor vehicle to other persons, property or animals is insured under the mandatory motor vehicle third party liability insurance.
Single vehicle partial casco insurance comes into play for unexpected damage. The following risks are insured:
Collision damage is not included in the partial casco cover, it is covered by comprehensive cover A classic example of a partial casco claim is a stone chip in the windshield.
The two insurance covers "Parking damage and Parking damage PLUS" from Zurich 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, vehicle keeper or owner of the insured vehicle, you are in principle also insured with Zurich if your vehicle 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 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).
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. With Zurich, 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 car insurance with Zurich 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, the Russian Federation, Georgia, Armenia, Azerbaijan, Kazakhstan, Egypt, Algeria, Lebanon, Libya and Syria. Roadside 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.
Zurich offers many benefits especially for young people up to the age of 25:
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: With Zurich, you benefit from a 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.
As soon as your car is registered with the road traffic office and you have received the new registration document and license plates, you are insured with Zurich. A few days later, you will receive your insurance policy and premium invoice by mail. The exact insurance coverage can be found in your insurance contract.
The electronic insurance certificate serves as confirmation from Zurich to the road traffic office that mandatory liability coverage is in place. Zurich sends this certificate electronically and directly to the road traffic office. Find out more about vehicle redemption and registration on our knowledge page.
With Zurich, 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).
With Zurich, you can notify us of your new address online. Remember to inform public authorities and companies about your change of address in advance. This way you avoid unnecessary delays and costs, and you are well connected in your new home from day 1. With our checklist, nothing and no one is forgotten.
Friendly, fast and uncomplicated handling! Thank you!
Very good service and easy, customer friendly process.
Everything was dealt with between the garage and Zurich insurance. If I don’t have to worry about the payments-I.e. Zurich pays garage directly-then I am very happy.
Assistance arrived but there was waiting time.
Seamless process, effective communication.
I don’t think I got the same type of frontwindow installed. Next time I will not go back to the Zurich partner, but to an official brand garage.
Service was very good in general, professional and quick.
Easy handling!
Communication when it‘s needed.
