E-Mobility

The insurance covers damage to the high-voltage battery (HV battery) caused by operating errors, overvoltage, overcurrent, deep discharge or charger malfunction. Insurance coverage applies if the HV battery suffers an exceptional capacity loss of more than 50% in the first three years of operation. Zurich covers the costs for repairing or replacing a HV battery. The maximum compensation is limited to the vehicle's replacement value. In addition, disposal costs which occur in connection with a damage are also covered up to CHF 2,000.

The insurance covers theft of and damage to charging stations (e.g. wallbox) and charging accessories (e.g. mobile charging stations and devices, charging cables as well as bags and adapters). The insurance covers damages caused by overvoltage, short circuit, operating errors and malfunctions, impact, overturning, vandalism, fire, lightning, flood, etc. Zurich pays the costs of repair or replacement for an equivalent item up to the agreed sum insured. For charging stations from the from fifth year of operation, the compensation is reduced according to the operating duration.

In the event of loss of the charging card or damage caused by the unauthorized use of the charging card or recharge app by third parties, Zurich covers the costs up to the sum insured specified in the policy. Blocking and replacement fees are also insured. Your family members' charging cards and charging apps are also insured.