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.
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.
If you rarely drive your car and often use public transport.
If you only drive your convertible or camper seasonally or occasionally.
If you drive a maximum of 7,000 kilometers per year.
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:
Depending on the vehicle, you will receive an adapter free of charge, or you agree to your data being transferred from your vehicle to Zurich.
With Zurich, you pay a fixed monthly basic premium plus an amount for the kilometers you have driven. The less you drive, the less you pay.
The price per kilometer is calculated individually according to the vehicle and the insurance cover. The amount of the basic premium depends on the insurance cover. If you choose fully comprehensive cover, for example, the price per kilometer and the basic premium will be higher than if you only take out partial casco cover or liability insurance.
Zurich MyWay is billed monthly and not annually. A maximum of 1,000 kilometers per month will be charged in addition to the basic premium – even if you drive more. There is no prescribed minimum.
Zurich MyWay is most worthwhile if you drive a maximum of 7,000 kilometers per year.
Yes, you are covered in exactly the same way as with classic car insurance from Zurich – except that the costs adapt flexibly to your vehicle usage.
In principle, most cars made in or after 2001 are compatible. The premium calculator shows whether your vehicle is suitable for Zurich MyWay.
You can convert your Zurich MyWay policy into a classic Zurich Car Insurance policy at any time for the following month.
Zurich MyWay is particularly worthwhile if you drive 7,000 kilometers or less per year. This is often the case if you frequently use public transport instead of your car. Or if you have a second car, e.g. a convertible or a camper. These vehicles are usually driven less frequently or only seasonally.
It is not uncommon for insurance to be suspended for seasonal vehicles over the winter in order to save costs. With Zurich MyWay, you can also use your convertible on nice winter days.
The following applies to Zurich MyWay: The less you drive, the less you pay. This is because, in addition to the monthly basic premium, only the kilometers actually driven are invoiced.
Data privacy is important to us. Zurich therefore only exchanges data that is essential for invoicing with its partner. This includes, for example, mileage data. No information on driving behavior and routes is recorded or stored.
No. MyWay is only available to private persons.
No. Zurich MyWay can only be taken out for cars, minivans and campers.
Unfortunately, this is not possible. However, you have the option of taking out Zurich MyWay per vehicle.
With Zurich MyWay, you don't pay a flat-rate annual premium, but instead a fixed monthly basic premium and for your mileage. The costs therefore adapt to your vehicle usage, which is particularly practical for infrequent drivers and people with a second car.
If, for example, you run a red light out of carelessness and cause an accident as a result, then gross negligence coverage applies.
This means that Zurich waives its right to recover the costs of this claim from you. This coverage does not apply if the damage arose due to alcohol, incapacity to drive, speeding, reckless overtaking or participation in unauthorized races with motor vehicles.
Yes, you are generally covered even if someone else is driving your vehicle. However, there are certain rules and exclusions that apply. You can find out more about this on zurich.ch in our article Insurance for when you drive someone else’s car.
Roadside assistance from Zurich protects you and all passengers in your insured vehicle – including trailers. The driver is, of course, also insured.
Choose the right cover for your needs:
Important: Roadside assistance CH/FL applies exclusively to incidents in Switzerland and Liechtenstein.
We at Zurich are there for you around the clock:
Zurich MyWay applies in Switzerland, the Principality of Liechtenstein, European countries as well as the countries bordering the Mediterranean and the island states of the Mediterranean.
Travel to the following countries is not insured:
Important: Roadside assistance CH/FL applies exclusively to incidents in Switzerland and Liechtenstein.
Are you planning a trip abroad? Then please remember to take your International Motor Insurance Card with you.
This insurance protects you by covering damage that you cause with your car to other people's vehicles, persons or property.
In Switzerland, auto liability insurance is required by law. Without a valid insurance certificate, your vehicle cannot be registered at the road traffic office.
Your insurance coverage begins as soon as your vehicle has been registered at the Road Traffic Office and you have the new vehicle registration document and license plates. Please take out your Zurich MyWay insurance no later than five days after registering the vehicle.
We will send you your insurance policy a few days later. You will find all details of your insurance coverage in your insurance contract.
The electronic insurance certificate confirms to the Road Traffic Office that your vehicle has the legally required liability insurance. Zurich sends this certificate directly and digitally to the Road Traffic Office.
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).
You can switch insurance within Zurich at any time. You can switch from Zurich MyWay to classic Zurich Car Insurance for the following month at any time. If you wish to switch to another insurer, the agreed policy term applies. You can terminate the contract on expiry and in compliance with the notice period.
If you want to sell your current vehicle and insure a new car with Zurich MyWay, you can do so at any time.
You will receive your invoice at the beginning of each month. This will contain a list of the kilometers driven in the previous month and the basic premium. Accordingly, you will see the kilometers driven in and invoiced for February in the March invoice, for example.
Depending on what you choose, you will receive your invoices by mail or digitally.
Tip: Register for our customer portal Zurich One. You can view your invoices there at any time – even when you're on the move via the app.
As a rule, most cars produced after 2001 are compatible with the adapter. During the process of taking out your MyWay insurance, we will check the compatibility with your car again.
When the LED is illuminated, the device is connected to the circuit.
If, however, the LED light is flashing, then the adapter is not connected to the vehicle. In this case, the adapter must just be dis- and reconnected. If you still have problems after following these steps, please contact the MyWay-team: myway@zurich.ch
If the adapter is correctly connected, the LED on the adapter will light up red. When the engine is turned on, the light changes color slightly to orange-red.
After your car has gone unused for 2 weeks, the adapter will draw minimal power (max. 1mA daily) from the battery. This energy consumption from the adapter will never fully drain your car battery. If the battery is low, the adapter will automatically switch off.
If your vehicle is left unused for more than 4 weeks, we suggest taking more proactive measures and moving your vehicle to a secure, dry space. This will prevent your battery from being drained.
A trickle charger is generally recommended for longer periods without use to prevent the battery from draining completely. A trickle charger keeps the battery 100% charged with a constant current flow.
