Car insurance in comparison: Why Zurich is convincing

Really good car insurance scores points with

• Transparent services – communicated clearly and comprehensibly
• Reliable service – especially in the event of a loss or claim
• Flexible options – to suit usage behavior, phase of life and vehicle type
• Trustworthy ratings – by independent comparison sites

Many Swiss motorists today specifically compare benefits, prices and additional offers in order to find the best car insurance in Switzerland. Independent test results and awards provide valuable guidance for finding the right provider. 

In the major car insurance test 2025 conducted by the Schweizer Institut für Qualitätstests (SIQT), Zurich's car insurance was awarded the top score of 6.0 (very good) in the "Transparency & Convenience" category – and thus shares first place in this area (SIQT study). In the test report  heisst it says:

Zurich's car insurance also regularly receives top ratings on comparison platforms – especially for customer satisfaction and digital service quality.

• bonus.ch: Above-average rating of 5.4 out of 6 for fast claims settlement and transparent communication.
• comparis.ch: Silver award for customer satisfaction 

• Bonus protection:
  In principle, your premium will not be increased after a claim.
• Help Points and partner network:
  With around 30 Zurich Help Points and around 300 repair partners, you benefit from fast claims settlement without paperwork, a high-quality repair with a lifetime repair guarantee, and mobility compensation in the form of a replacement vehicle, public transport or cab voucher.
• Free driver's legal protection insurance:
  In the first year, you are automatically covered with Orion motor legal expenses insurance when you take out car insurance – for even more security.
• E-Mobility Protect:
  Special services for owners of electric and hybrid vehicles: Protection for the high-voltage battery, charging station and accessories, as well as insurance in the event of loss and misuse of the charging cards and apps.
• Reward for accident-free driving: 
  If agreed in the policy, the deductible for liability and collision damage is reduced by CHF 500 after three accident-free years – and by a further CHF 500 after a further three years (available as additional cover).
• Discounts and benefits for young people:
  Young drivers receive a reduced premium every year up to the age of 25. In addition, young drivers benefit from a no-claims bonus, where 10% of the premium paid is refunded after 3 claim-free years. The family bonus of 15% discount is taken into account if the parents already have two policies with Zurich.
• Member/combination discounts:
  Membership in certain associations or a combination of several insurance policies with Zurich entitles policyholders to a premium reduction.

The following statements are based on customer feedback and have been summarized thematically:

1. Fast and uncomplicated claims settlement

• The entire claims settlement process by Zurich was optimal. From the reception at the Help Point to the very quick information on when the vehicle will be repaired.
• The repair of the glass pane went very well. Good support and fast forwarding to the partner company for glass damage.
• The notification of claim process was uncomplicated, communication was fast and friendly, and processing was quick and smooth.

2. Friendly, competent service

• The vehicle expert was very friendly and made a very good impression.
• Friendly and competent employee when calling the insurance company. A callback was received shortly afterwards.

3. Help and flexibility in an emergency

• Roadside assistance was on site immediately and transported our car to our garage.
• The roadside assistance quickly and efficiently organized both the towing of my car and the transport of the passengers (three underage children) home.

4. Replacement vehicle and mobility

• Very customer-oriented! I was given a replacement vehicle – a super Mini Cooper Cabrio, and the repaired car was given a wash.
• After inspecting the damage, I was able to leave the car for repairs straight away and was given a replacement vehicle.

5. Digital and personal service

• Simple and uncomplicated online claims registration, claims settlement at the Zurich City Help Point absolutely sensational – I didn't have to worry about a thing. Just drop off and pick up your car. That's it.
• I was able to initiate the processing of the claim, including making an appointment with DESA, via the Zurich homepage despite it being a weekend.

Which car insurance is best depends on your personal situation. This is the best way to proceed with the selection:

1. Analyze usage behavior

• Do you use your car every day or only occasionally?
• Who drives the vehicle?
• Is the vehicle only driven in summer or used as a second vehicle? If the vehicle is only used in the summer or as a second car, you may be able to use it with an interchangeable number plate.

2. Clarify intended use

• Do you use the vehicle privately, professionally or commercially?  Make sure you state the correct purpose to avoid gaps in cover.

3. Consider vehicle type

• Do you drive an electric or hybrid vehicle?  Look out for special cover such as E-Mobility Protect for battery, charging station, charging card and accessories.

4. Compare service in the event of a loss or claim

• How can you report a claim?
• How quick and easy is claims settlement?
• Is there a partner network of garages with a repair guarantee, and is mobility guaranteed during the repair?  With Zurich, you benefit from around 30 Zurich Help Points and around 300 repair partners as well as guaranteed mobility thanks to a replacement vehicle at no extra charge. With the Zurich Repair Network insurance model, you agree to have all damage repaired by Zurich's partner network. In return, you benefit from a reduced premium.

5. Check independent tests and awards

• Which insurers were assessed objectively?
• Are there current rankings and test winners? Zurich Car Insurance was awarded a score of 6.0 (very good) in the "Transparency & Convenience" category by the Schweizer Institut für Qualitätstests (SIQT) in 2025.

6. Pay attention to additional services

• Is driver's legal protection insurance included?
• Is there bonus protection?
• Are membership and combination discounts possible?
• Are there special benefits for young drivers?