Buying a used car: The direct road to your dream wheels
Our checklist will guide you step by step, and our damage experts will give you an insight into typical mistakes and explain how to avoid them when buying a used car.
Think carefully before buying a second-hand car:
Compare different offers and check whether the price is in line with the market.
Helpful platforms:
Make sure that the mileage, equipment and condition are comparable.
Plan your visit in daylight and ideally take another person with you.
Pay particular attention to:
Our claims statistics show: Vehicles with a complete service history, few previous owners and regular maintenance are much less likely to incur high repair costs. You should therefore check the service booklet, repair receipts and maintenance intervals particularly carefully. A transparent vehicle history significantly reduces the risk of unexpected follow-up costs.
A test drive is a must before you buy a second-hand car, even if it only provides a snapshot. It's quite possible that you'll still need to replace parts subject to wear and tear soon afterwards. Pay attention to:
Many people ask themselves: Is 200,000 km too much for a second-hand car?
A guideline value is 10,000–20,000 km per year. The main thing is:
It's not just mileage that counts – it's maintenance.
Before buying, clarify who is selling the vehicle and under what conditions. Ask specifically about:
Place your trust in reputable providers. An established specialist company often offers a second-hand guarantee that protects you from unexpected repair costs.
Insist on a written purchase contract. Set out the purchase price, known defects, warranty agreements and all warranted characteristics in a way that is binding. This will help you avoid misunderstandings and create clarity in the event of a dispute.
To start driving your vehicle, you need motor vehicle insurance. Motor third party liability insurance is required by law. This covers damage that you cause to others with your vehicle. In addition to your third-party liability insurance, we recommend taking out single vehicle accidental damage insurance or, for even more extensive cover, fully comprehensive insurance (for newer used cars). Other supplementary insurances such as roadside assistance or traffic legal protection extend your cover as required.
Everything you need to know about liability insurance for your vehicle
Find out what the differences are and which insurance coverage makes sense for your vehicle.
A second-hand purchase raises a lot of questions – especially if you don't have much experience. Our claims expert shares his practical experience and explains what you should pay particular attention to.
Buying a vehicle is often an emotional decision – and therefore one that's sometimes made too quickly. Trust is important, but you should always set out all agreements and assurances in writing in the purchase contract.
If an offer seems too good to be true, it's worth being cautious. We recommend buying from a well-known specialist company or at least from a reputable supplier with transparent information. An indication "with MFK" simply means that the vehicle meets the minimum technical requirements – it is not a guarantee of quality. A used car warranty can offer additional security.
It's not really the case that there are any particularly "problematic" makes. All manufacturers face similar technical challenges, but it makes sense to find out about the typical weak points of a model or type of engine before buying – for example through targeted online research.
A test drive is always just a snapshot. Costs often appear shortly after purchase due to wearing parts such as brakes, tires or upcoming service work – for example, a timing belt change.
A look at the service booklet helps you to estimate what planned work might be needed. Be sure to also open the hood and check for traces of oil or other leaks. A look under the vehicle can also provide indications of underbody damage.
Very important. The service booklet should be complete and should not contain any missing pages. For newer vehicles, electronic service booklets are often available – the dealer can provide information here. If necessary, the history can also be obtained from the workshop that carried out the last service.
There are no fixed thresholds. It's generally worth being more cautious with vehicles outside the warranty. As vehicles get older, the risk of technical failures increases. Even if the mileage is conspicuously low, you should ask whether it is plausible and can be confirmed by the service booklet.
Make sure that indicator lamps light up when you're driving. Drive without music to make it easier to hear unusual noises. Check the vehicle's directional stability – including when you're braking.
View the vehicle from different angles – ideally in daylight. This makes it easier to recognize paint differences or unevenness. Ask about previous owners and – if possible – about their use of the vehicle.
At present, many used electric cars are still relatively new, which is why the risks are manageable. Nevertheless, you should have the battery condition confirmed in writing – ideally with a battery certificate. Also check the factory warranty, which is often longer for the batteries of electric vehicle than the general vehicle warranty.
Older models usually have a shorter range than newer generations.
Have the condition of the battery confirmed in writing by a branded company. An official battery certificate provides clarity and safety.
Disputes concerning warranty claims or unclear contractual agreements can lead to legal disputes. Proper documentation and a clearly formulated purchase agreement significantly reduce this risk.
Contact the seller immediately and make a written complaint about the defect. Document the defect with photos and record all steps in writing. Also inform the seller in writing – this way you create a clear starting position.
Glass breakage, for example due to stone chipping, is particularly common. In the case of newer used cars, collision and parking damage are also common.
Depending on the cover, motor vehicle insurance protects you against the financial consequences of accidents, natural disasters, glass breakage or theft, so that you are not left with high repair or replacement costs in the event of a loss.
With professional support from
Group Leader Vehicle Experts – CoC Vehicle Experts
As head of CoC vehicle experts at Zurich, he contributes his extensive expertise in vehicle damage and electromobility to this guide.
What is your most important tip for a worry-free second-hand purchase?
Take your time. Buying under pressure is rarely a good decision. If you are buying privately, ask a specialist to inspect the vehicle. Compare several offers to get a feel for the market price – and if possible, don't go ahead without a guarantee.
When buying a second-hand car in Switzerland, you should pay particular attention to the technical condition, service history and contract details. A complete service booklet, full vehicle documentation and clear information on accidents or repairs are crucial. During your inspection and test drive, check the engine, electronics, brakes, tires and bodywork carefully. A written purchase contract also protects you from misunderstandings.
200,000 km is not necessarily too much. The make, model and, above all, maintenance are crucial. With regular maintenance, many vehicles are reliable even with high mileage. The important thing is that major service work such as changing the timing belt or clutch is documented. Condition and maintenance count more than simply the number of kilometers.
The guideline is 10,000 to 20,000 km per year. A vehicle with significantly higher or lower mileage is not necessarily worse – what matters is whether its use, age and maintenance plausibly match. A well-maintained vehicle with a higher mileage may be a better choice than a low-mileage used car that has not been maintained so well.
There is no make that is fundamentally problem-free. Second-hand purchases generally show that vehicles with regular maintenance, a transparent previous owner history and complete documentation are much less likely to incur high repair costs. A clean service history is more important than the make.
When you buy a used electric car, the crucial factor is the condition of the battery. Have the remaining capacity and battery condition confirmed in writing – ideally by a brand-name company. Also check the remaining factory warranty, as this is often longer for electric vehicles. This will help you avoid unexpected follow-up costs.