Covered for occasional driving
Not insured for regular driving
This will quickly become expensive and complex
An accident with a borrowed vehicle can cost you dearly. Even the repair of a small scratch often costs several hundred Swiss francs. Did you know that the owner of the vehicle can sue you for the damage? Before you borrow a car, make sure you know how the vehicle is insured.
- If the owner of the vehicle has comprehensive insurance, it will pay for the damage to the car. The deductible and any loss of bonus will be at the owner's expense, but you will be liable. If you have third-party driver's insurance, it will pay for the financial damage.
- If the owner of the vehicle only has third party liability or single vehicle accidental damage insurance, it will be much more expensive for them as well as for you as the person causing the accident. All the better if you have third-party driver's insurance, as it covers the cost of vehicle repairs.
However, you will not completely get away without costs: Despite good insurance coverage, you have to pay the deductible for third-party driver's insurance in the event of a loss. This is usually CHF 500.
Staying safe on the road with a borrowed car
- If you occasionally drive other people's vehicles, we recommend that you take out personal liability insurance with additional coverage for "Driving third-party motor vehicles."
- If you regularly use other people's vehicles, ask the owner in advance whether their vehicle has comprehensive insurance.
- If you rent a car, we recommend that you take out a rental and sharing vehicles insurance with excess coverage for rental cars. Personal liability insurance and additional coverage for "Driving third-party motor vehicles" do not cover damage to rental cars.