Car Insurance

COMPREHENSIVE PROTECTION

WITH REWARDS FOR ACCIDENT-FREE DRIVING

Take advantage of CHF 500 off your deductible after three years of accident-free driving and enjoy accident forgiveness in the event of a claim.

Benefit now: Free Traffic legal protection insurance from Orion with every new Zurich car insurance policy.

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    Premium protection

    Your premium is no longer increased automatically after an event of a loss.

    Reduced deductible

    Your deductible is reduced by 500 Swiss francs after three years without an accident. After a further three years it is reduced by another 500 Swiss francs.

    Back on the road in no time

    Our Help Points will bring your vehicle back on the road quickly - with a lifetime guarantee on repairs.

    Optimum protection for young people

    Zurich offers you many advantages – especially for young people up to 25. What‘s most important at a glance.

    • 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
    • Free traffic legal protection insurance from Orion* comes for free for one year with every new Zurich car insurance policy

    Benefits at a glance

    • Free traffic legal protection from Orion* for one year with every new Zurich car insurance policy
    • 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 car
    • Special tariff for eco-friendly cars

    In Detail

    Third party liability, collision accidental damage or partial casco: Zurich delivers the optimum choice of solutions for your individual car insurance.
    Take out your car insurance now, and you will also get one year’s motorist’s legal protection insurance from Orion for free. Whether in your car, on the train or walking, with motorist’s legal protection insurance you have all-round legal protection – even when hedge-hopping with your drone.

     

    Traffic legal protection insurance from Orion (1 year free)

    • You get free advice on legal matters from the experts at Orion.
    • You have a free choice of lawyer in the event of a court case, Orion will cover the costs; court and trial costs are also covered.
    • Orion will pay court cost compensation to the counterparty. 
    • Even in the case of major mishaps, there is no deduction for gross negligence.
    • Sum insured up to CHF 600,000 per occurrence.

    * The provider of the legal expenses insurance is Orion Legal Protection Insurance Company Ltd, based in Basel. Orion Legal Expenses Insurance Company Ltd. is a subsidiary of Zurich Insurance Company Ltd.

    Included: Help Point services

    • 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 car 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

    Third party liability (mandatory)

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

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


    Available option: Coverage for gross negligence

    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).

    Collision accidental damage

    • Collision accidental damage insurance covers damage to your own car 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 car (capped at the amount of the paid purchase price)

    Available option: Coverage for gross negligence
    Zurich will not limit your benefits in the event of a loss caused through gross negligence (exceptions: alcohol, driving while impaired, speeding).

    Partial casco

    • With partial casco insurance, your own car 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, slashed convertible roof, painting or spraying of paintwork) as well as glass breakage

    Available option: Damage caused by the gnawing of rodents
    Coverage includes damage caused by the gnawing of martens or other rodents (including consequential damage)

    Available option: Parking damage or Parking damage PLUS 

    Coverage includes damage caused to your parked car 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. 

    Available option: Glass PLUS
    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.

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

    Help Point PLUS

    • In addition to the above Help Point services, you also benefit from discount on your vehicle damage premium
    • You agree to have all repairs carried out in a Zurich partner garage

    Roadside assistance

    Available option: Roadside assistance Switzerland/FL
    • Valid in Switzerland and the Principality of Liechten­stein
    • Zurich organizes and pays the costs of local roadside assistance including the repla­cement of small parts
    • We pay the costs of towing and recove­ring the vehicle
    • Additional costs of any accommo­dation required, onward travel with public transpor­tation and vehicle transfers in Switzer­land are covered
    • Zurich pays up to CHF 1,000 per event for all benefits combined

    Available option: Roadside assistance in Europe
    • Valid in Europe as per the description in the General Conditions of Insurance (GCI)
    • Zurich organizes and pays the costs of local roadside assistance including the repla­cement of small parts
    • We pay towing costs
    • Recovery costs for the vehicle up to CHF 2,000 are covered
    • Additional costs of a replacement vehicle while repairs are being carried out, any accommo­dation required, onward travel with public transpor­tation and vehicle transfers in Switzerland are covered up to CHF 5,000
    • Zurich organizes the return transport of the vehicle from abroad

    EXCLUSIVELY FROM YOUR INSURANCE ADVISOR

    • Europe-wide vehicle legal protection: Supports you in legal proceedings as the owner, holder, driver or passenger of a car 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

    Accident

    • 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 cars for you and your family
    • It also covers medical expenses up to CHF 5,000 for pets traveling in the vehicle
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    New bonus system

    After three years of accident-free driving  your deductible will be  reduced by CHF 500, and by another CHF 500 after a full six years of accident-free driving.

    You can find out more about the new simple car insurance from Zurich in our video.

    Your Service

    Zurich motor vehicle insurance ensures you always have the best protection. We would be glad to advise you.

    Request advice

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    Request Green Card online

    Request European accident report form online

    Carefree travels

    Whatever happens before and during your trip or when you’re home again, keep safe with Relax Assistance Travel Insurance.

    Protection in the event of a claim

    A claim involving third parties or property can quickly become expensive. Private liability insurance gives you comprehensive, worldwide coverage.

    Term life insurance

    If you have special responsibilities, for example in your family or as an entrepreneur, you should provide financial security in the event of death.

    Knowledge

    Taking your car on vacation

    With the 5-finger rule you are sure to be OK – in fact anywhere in Europe.

    Expert interview: “Safety when driving”

    René Früh, Lead Vehicle Expert at Zurich, in interview. He reports on why driving cars has become much safer – and what risks remain.

    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.
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