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Car insurance

Stay on the road with Zurich

Comprehensive insurance from Zurich for your car. In addition to mandatory liability insurance, we also offer a range of options to protect you against costly surprises. You can conveniently calculate your personal premium online.
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Accident-free driving pays off

We will no longer be using a premium rate system – You benefit from it, because your premium will no longer automatically increase in the event of a loss.

Reduced deductible

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.

Back on the road in no time

26 Help Points and numerous repair partners – quick, convenient and always nearby. With a lifetime guarantee on repairs.


Benefits at a glance

  • 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.

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
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
  • 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

Driving through Europe: These items are a must!

With tips from Zurich, you are on the safe side when driving through Europe:

  • A correctly sized (11.5 cm high and 17.5cm wide) CH sticker on the back of the car is mandatory
  • In Italy, summer tires are required; all-weather tires are not sufficient
  • You must have a fully functioning warning triangle with you in the car
  • You need a safety vest for each person in the car which must be worn if the car breaks down
  • In four countries, you must have a fire-extinguisher with you in the car
  • If you are driving a borrowed or rented vehicle, you need authorization from the owner of the vehicle
These tips comprise a list of the objects to take with you on your journey, but it is neither conclusive nor relevant in every country. Please acquaint yourself before beginning your car trip abroad with the applicable road traffic regulations. Take into account those countries you will cross, as well as those which are your destination. Liability cannot be assumed by Zurich Insurance Company Ltd.
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Calculate your premium now

Create your individual insurance package and immediately receive your personal premium quote. You can then conclude your car insurance policy conveniently online.
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Your Service

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

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Call 0800 80 80 80

from outside Switzerland +41 44 628 98 98

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