MyWay – low-cost car insurance
Your benefits at a glance
Suited to your car usage: Switch to MyWay and discover the unique advantages for yourself.
How to save with MyWay
In addition to a basic fee, your monthly payment is based solely on the kilometers you have driven. This way your parked car is also insured around the clock.
Example:
Fabiola is 37 years old, drives a VW Polo 1.4 (year of construction 2011, value when new CHF 23'000) and has taken out fully comprehensive insurance.
Premium per month
CHF 20 Monthly basic premium
+
(250 km Kilometres driven
x
6 Rp) Price / km
=
CHF 35 premium
* For months in which you travel more than 1,000 kilometers, each additional kilometer will be free.
Only on the road at weekends?
I.e. 5’000 km / Year.
CHF 504 / Year *
A short trip somewhere every day?
I.e. 7’000 km / Year.
CHF 622 / Year *
Going on holiday by car?
I.e. 9’000 km / Year.
CHF 740 / Year *
*All price examples (contributions rounded) are based on Fabiola's example.
Install and go
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The new type of car insurance
MyWay offers the same coverage as classic insurance, but you pay per kilometer. At the same time, you have access to additional practical services via the app.
I'm interested in MyWay
I have MyWay
MyWay Downloads
I'm looking for low-cost cover for my car. Is MyWay right for me?
Do you drive less than 9,000 km per year? Then MyWay is probably the most cost-effective car insurance for you; you pay per kilometer but are still protected around the clock.
With our premium calculator, you can determine your costs and decide whether MyWay is right for you. You can take out cover directly online.
I drive very rarely. How can I save on my insurance?
By paying per-kilometer for your insurance with MyWay. You receive the same round-the-clock insurance coverage that you would with classic car insurance.
Each month you pay a basic fee and for each kilometer you drive. As a rule, if you drive less than 9,000 km a year, you will benefit from MyWay.
Our premium calculator lets you determine your costs and take out coverage directly online.
How are the kilometers I have driven recorded?
After taking out MyWay cover, we will send you an adapter and a registration code for the autoSense app. You download the app and connect it to the adapter. You then install this in your car under your steering wheel using the ODB-II connection. The adapter will then measure each kilometer you drive and transmit this information to Zurich. You can view your kilometers at any time in the app.
What happens to the data that is recorded by the adapter? Is my driving behavior also tracked?
The topic of data privacy is very important to us. Alongside the basic information provided to us (information regarding the policyholder and vehicle, adapter status), Zurich is only informed about the number of kilometers you have driven, whether the adapter is connected to your car, and if Zurich services are activated within the app. This is so that we can produce an individually calculated bill that is precise down to the last kilometer. Data on any other driving behavior, routes driven or other vehicle use is not transmitted.
Is MyWay still cheaper for me if I drive my car during my vacation?
With MyWay, there are no unexpected costs. In addition to the usual basic fee, you only pay for a maximum of 1,000 kilometers per month. The 1,000 kilometer limit acts like a price cap. If you drive more than 1,000 kilometers in a month, the additional kilometers are free for you. This way, it's easy to calculate your costs, even if you drive your car during your vacation or more frequently than usual.
What is the maximum number of kilometers I can drive, while still benefiting from MyWay cover?
As a rule, MyWay benefits those who drive less than 9,000 km per year.
The best thing to do is use our premium calculator to determine your costs and whether MyWay or traditional car insurance will be your most cost-effective option. If you choose MyWay, you can take out your policy directly online.
Calculate premium
Does MyWay give me the same level of protection as classic car insurance?
With MyWay, we offer you the same level of cover as you would receive with classic car insurance. Where MyWay differs from conventional car insurance is as follows:
Type of billing
MyWay is billed monthly and per kilometer.
Greater flexibility
You can amend the cover provided by your insurance at any time and cancel your policy with 14 days notice.
Self-service offer
Among other things, the app allows you to adjust your insurance coverage or change your personal information.
For a direct comparison, please see the table at the top of this page.
How does Zurich as an insurer know how many kilometers I have driven?
As soon as you have taken out MyWay cover, we will send you an adapter, which you then install in your car underneath the steering wheel. This adapter measures the kilometers you drive and transmits this information to Zurich and via app to you. Measuring the kilometers you have driven is necessary as this is the only way we can know how many kilometers to bill for.
Are all cars compatible with the Zurich MyWay adapter?
As a rule, all 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.
Can I take out MyWay cover for my interchangeable license plates?
Unfortunately, this is not possible. However, you do have the option of taking out MyWay cover for each vehicle. The less you drive, the lower your insurance premiums. So, MyWay can also be beneficial for two vehicles.
The best way to work out the cost is to use our premium calculator. If you then decide on MyWay, you can take out your policy directly online.
Calculate premium
Can businesses insure their company cars with MyWay?
No. MyWay is only available to private persons.
When and how will I receive MyWay invoices from Zurich?
You will receive your invoice at the beginning of each month. This will contain the kilometers driven in the previous month. This means, for example, that your March invoice will contain the kilometers that you have driven in February.
Methods of delivery for your invoice:
Your invoice will be delivered to you automatically in the app and by mail. We recommend activating eBill payments in order to pay your Zurich invoice in order to save paper and protect the environment.
You can activate eBill payments easily via your bank's e-banking platform.
Methods of payment for your invoice:
Your invoice will be issued as a QR invoice. Accordingly, you may pay via QR code or online transfer. We recommend that you activate eBill as the payment method for your invoices. This way, your invoices will automatically be sent to your e-banking account and you can approve the payment there.
What is autoSense and what does it have to do with Zurich MyWay?
autoSense AG is our partner company and is responsible for the technical functionality of the adapter. Should you have any problems with the adapter, please contact autoSense customer services directly: myway@zurich.ch
Where and how do I connect the adapter to my car?
On the English website of our partner company autoSense you can select your vehicle model and you will then see a photo, which will show you how to install the adapter.
As a rule, the connection is max. 60 cm away from the steering wheel.
Should you require further assistance, please contact autoSense customer services directly: myway@zurich.ch
What do the LED light on the adapter signify?
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 autoSense customer service: myway@zurich.ch
How can I check to make sure that the adapter is correctly connected?
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.
What impact does the adapter have on my car's battery?
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.
How and when can I cancel MyWay cover?
You can cancel your MyWay policy with 14 days notice. You may only remove the adapter after your policy has been canceled.
