Autoversicherung | Kfz Versicherung

Couple in car

Our bestseller: Zurich car insurance

The car insurance with all-round service: With 28 Help Points & around 300 partner garages, we are always close to you. We organize the repair of your car and you receive a replacement car, public transport ticket or cab voucher free of charge.

Calculate your premium now Quick and easy – just a few minutes to the premium

Everything you need

Personal & close

Our 28 Help Points and 300 partner garages offer you excellent and sustainable service with a lifetime guarantee to keep you mobile!

Zurich Advantages

We offer benefits such as unchanged premium after claim, 1 year free traffic legal protection, combined discount with life insurance, and bonuses for young driver under 25.

Flash

Bonus for electric cars

Environmentally friendly electric and hybrid cars drive at particularly low rates with us. Discover the optimum protection for your electric car!

Insurance benefits

When choosing car insurance, it is important to consider your individual safety needs and the vehicle. In addition to the legally required third-party liability insurance, it is also advisable to take out partially or fully comprehensive insurance. Extend your protection with additional cover options.
Main Coverages Additional covers
Please refer to our factsheet, AVBs or your personal policy for the exact sums insured and further details.

Other products

Man with mobile

MyWay

Insurance by the kilometer. The low-cost alternative to classic car insurance offers round-the-clock protection at a lower price.

 Electric car battery charging Zurich E-Mobility Protect

All-round protection for your electric car

Get exclusive coverage for your electric vehicle with Zurich.

ZVolt Card

Z Volt - charging at a standard price

With the Z Volt app, it's especially easy to find the nearest charging station and charge throughout Switzerland at a standard price.

Do you have any questions?

Gross Negligence

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).

Parking damage

The two insurance covers "Parking damage and Parking damage PLUS" 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.

Third-party driver

As the policyholder, owner and/or keeper of the insured vehicle, I am also insured if it 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.

Breakdown assistance

The breakdown assistance applies to the vehicle insured in the policy and the trailer towed by it. The insurance coverage applies to all occupants, including the driver. You can choose between three coverage options:

  • Breakdown assistance CH/FL,
  • Breakdown assistance CH/FL incl. replacement vehicle
  • Breakdown service Europe incl. replacement vehicle

Your free 24-hour service line in the event of a loss in Switzerland is 0800 80 80 80; dial +41 44 628 98 98 from anywhere else in the world

 

Schutz im Ausland

The car insurance 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, Moldavia, Ukraine, the Russian Federation, Georgia, Armenia, Azerbaijan, Kazakhstan, Egypt, Algeria, Lebanon, Libya and Syria. Breakdown 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.

Insurance policy

The insurance takes effect as soon as your car has been registered at the Road Traffic Office and you have the new vehicle registration document and license plates. We will send you your insurance policy and your premium invoice by post a few days later. You can find the precise insurance cover in your insurance contract.

Insurance certificate

The electronic insurance certificate serves as confirmation from the insurance company for the Road Traffic Office that the statutory liability cover exists. The insurance company forwards this proof electronically to the Road Traffic Office. Find out more about vehicle redemption and registration on our knowledge page.

Premium adjustment

  • Modification of your data: The premium is based on the chosen scope of insurance and the facts (material facts) given by the policyholder with regard to the insured persons and the vehicle. If one of these material facts should change, Zurich must be notified immediately in writing or in another form that makes it possible to provide proof in text form (e.g., by sending an email). In the event of a change in risk, Zurich shall consider adjusting the contract to the changed circumstances.
  • Sanitation: Premiums will not be adjusted following a loss event (premium protection and bonus protection). Reorganizations in individual cases form an exception. 
  • Premium reduction for drivers up to 25 years of age: With declared young drivers, the premium is progressively reduced on every premium due date until reaching age 25.
  • Selective tariff adjustment: Zurich is entitled to increase the premium with effect from the following insurance year. This will be announced no later than 25 days before the end of the insurance year. Under certain conditions, such an adjustment entitles you to cancel the policy.

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).

Change of address

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.

Changing car or insurance

First check whether you can change your car insurance. A change is possible in the following cases:

  • Your current contract expires
  • In the event of a loss
  • The insurance premium increases
  • You change vehicle

Collect different offers for a new car insurance policy and compare them. Tip: Use our 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.

General benefits

  • If you already have life insurance with Zurich, you can save on car insurance.
  • Environmentally friendly electric and hybrid cars drive at particularly low rates with us.
  • Additionally, thanks to our extensive network of partners, we can offer our customers a wide range of attractive special conditions.

Young Drivers

Zurich offers many benefits especially for young people up to the age of 25:

  • No claims bonus: After three years with no claims, you will receive 10% of your premium back
  • Your premium will be reduced each year up to your 25th birthday
  • Family bonus: If your parents already have two contracts with Zurich, you get a 15% discount

Knowledge

Child with cell phone in the car

Comprehensive cover or partial casco – which one do I need?

Repairing a damaged car can be really expensive: will partial casco suffice – or do I need comprehensive cover? And what exactly does that mean?
Woman standing in front of her car and spreading her arms out

Vehicle registration: the easy way

Before you drive off in your new car, you must register it with the Road Traffic Office. Our guide tells you how to do so without any problems.
 Woman stands in front of her car at the electric charging station and drinks coffee

Car financing: Leasing or loan?

Do you want to buy or lease a car, but are you unsure what makes more sense? Peter was faced with the same question and grappled intensively with the issue of "loan financing or leasing." Read what he found out during his research.
Car import Switzerland

Direct car import to Switzerland

Do you want to move to Switzerland and take your car with you? A direct import is usually cheaper than selling abroad and buying new in Switzerland. Read how to correctly import, declare, show, insure and register your vehicle.
Car maintenance

Car maintenance: What you have to reckon with

Insurance, repairs, leasing fees: A car costs money, even after the purchase. We show you what costs you will have to expect to maintain the car. And where you can save money.
loss or parking damage

When you hear the crunch when shopping

If you’re in a hurry when you’re parking it’s so easy to overlook something. But who pays if things go wrong?
Woman is repairing a glass pane

Insure against glass damage

Zurich customers benefit from fast and uncomplicated service in the event of windshield damage by stone chips.
 Man examines damage to the vehicle

Comparing car insurance

How online platforms can help you find a great deal on your car insurance.
used car purchase

Five tips for buying a second-hand vehicle

Here you’ll find some useful tips to help you get it right first time when you buy second-hand.
Interchangeable license plate

Interchangeable license plates: Rules and advantages

Interchangeable license plates save you money on insurance and taxes for two vehicles. Find out whether you could benefit from an interchangeable license plate with the help of an example calculation.
Fire brigade in action

"Electric cars do not burn more often"

The fire risk of electric vehicles is often overestimated, according to the expert in the interview. What you nevertheless have to take into consideration.
Young woman sitting at the wheel of a car

Well protected as a young driver

Licensed to drive at last! Here you can find all the important information about the topic of "Safety for young drivers" – so that you are covered should you encounter any problems.
A hailstorm.

When it's raining ice

Hailstones can cause terrible damage in the space of just a few minutes. The victims? Fruit trees, windowpanes and, primarily, cars.

Cyber attacks on the car

What hardly anyone knows is that not only computers but also cars can become the target of hackers' attacks.
Young woman attaches surfboard to the roof of the car

Damaged a borrowed car – what now?

Damaging a borrowed car can be expensive. You can get insurance for it: with additional private liability insurance coverage for "Driving third-party motor vehicles."
A car is parked in front of a Zurich Help Point

Relax thanks to the Zurich Help Point

Many customers are glad to have car repairs organized for them in the event of damage – via the Zurich Help Point.
Switch to electric car

An electric car: Is it worth it?

Electric engines are regarded as the propulsion system of the future – but is it worth switching over? The most important arguments.
Woman on the train

Going on a trip? Here are the best tips

A lot can happen when traveling. These tips will help you, should things not go as planned.