Van insurance

• Third party liability insu­rance is required by law
• Insurance covers property damage and bodily injury that you cause to third parties with your van
• We defend you against un­jus­ti­fied claims by third parties
• Sum insured up to CHF 100 million per event

You must have third party lia­bility insu­rance to obtain the official regis­tration docu­ments for your van from road traffic authorities.

• Collision accidental damage insurance covers damage to your own van caused by a collision, falling or sinking
• Zurich also provides benefits in the event of an accident for which you are at fault
• Collision accidental damage and partial casco insurance combined give you comprehensive insurance
• In the event of a total loss, you will receive full replacement cost coverage during the first year of operation of your van

• With partial casco insurance, your own van is insured against theft, fire and damage caused by natural hazards (e.g. floods, hail, landslides, falling ice)
• Coverage also includes damage due to collisions with animals and vandalism (e.g. slashed tires, painting or spraying of paintwork) as well as glass breakage
• Coverage includes damage caused by the gnawing of martens or other rodents (including consequential damage)

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).

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.

Coverage includes damage caused to your parked van 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.

If any items are damaged that are transported in your van by yourself or your passengers, or if said items are stolen from a locked van, these are covered up to the agreed sum insured. Items transported 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.

In case of total loss, Zurich shall provide compensation to a maximum of the purchase price paid for five years from the purchase date.

• Zurich Accident Insurance protects you and any passengers in your vehicle against the potential financial consequences of accidents
• The insurance provides benefits in the event of death, disability or temporary inability to work, and pays a daily hospital benefit during your hospital stay 
• The insurance also covers medical expenses within the five years following the day of the accident. If you require an inpatient hospital stay, the coverage also includes a private ward
• Benefits are paid immediately following an accident, even if fault has yet to be determined
• Accident insurance coverage is also valid in other people’s vehicles for you and your family
• It also covers medical expenses up to CHF 5,000 for pets traveling in the vehicle

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.

• Professional and straight­forward support in the event of a loss
• Report claims anytime, free of charge via the 24-hour toll-free hotline 0800 80 80 80 or online
• Lifetime guarantee as per the guarantee certifi­cate plus ensured mobility (i.e. public transpor­tation ticket or replace­ment van while repairs are being carried out)
• We organize the necessary experts and repairs, complete any paper­work that is required and support you on all insurance matters

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 takes care of the entire administration and organization of the repair.
• Mobility during the repair: Free public transport ticket, taxi, or replacement car.
• Cooperation with certified garages and repair shops: The manufacturer’s warranty remains valid.
• Lifetime guarantee on repairs.
• Additional services at our Help Points near you.

• Europe-wide motorist’s legal protection insurance: Supports you in legal proceedings as the owner, holder, driver or passenger of a van as well as in disputes relating to patients’ rights and vehicle contract law, for example
• We offer attractive insurance solutions for collector's and antique vehicles

• 100% new-value compen­sation during the first year of operation
• Cheaper vehicle damage premium with Help Point PLUS
• With a no-claims bonus, you benefit from a 10% premium reim­bursement after three claim-free years
• Accident insurance for you and your family also extends to riding in someone else's van
• Special tariff for eco-friendly vans