Car insurance
Protect your journeys
A road accident, even a minor one, can have significant financial consequences. Car insurance covers damages caused to others and, depending on the chosen plan, also protects your own vehicle against theft, fire, or collisions.
With the right cover, you can drive with peace of mind and avoid unexpected costs that can quickly add up to several thousand francs.
New car, used car or lease: your needs are not the same. We analyze the value of your car, your driving habits and your budget to define the coverage that's right for you, whether it's simple third-party liability, partial comprehensive or comprehensive.
As an independent firm, we have access to all Swiss insurance companies. We compare premiums, deductibles, cover and exclusions to find you the car insurance offering the best value for money and the greatest transparency.
An accident or broken glass can be a source of stress. We'll not only help you choose the right insurance, we'll also assist you in making claims and defending your rights, so you're with us every step of the way.
All you need to know about car insurance
Find out everything there is to know about car insurance in Switzerland.
Frequently asked questions about car insurance
Here are the answers to the most frequently asked questions about car insurance in Switzerland.
Liability insurance is mandatory for all vehicle owners. It covers damage caused to third parties (people or property) in the event of an accident.
Other insurances (such as partial or fully comprehensive) are optional.
The partial cover covers damage not related to a road accident, such as theft, fire, natural disasters or glass breakage.
The comprehensive includes partial coverage and also covers damage caused to your own vehicle in an accident of your own making.
Factors taken into account in calculating the premium include:
- Driver's age and profile.
- Type of vehicle (make, model, value, power).
- The use of the vehicle (private or professional).
- Place of residence (urban vs. rural).
- Selected deductibles.
- Your choice of coverage (third-party, partial or comprehensive).
Franchising is the share of costs that you have to pay out of your own pocket in the event of a claim, before the insurance company takes over the rest. Higher deductibles generally reduce the cost of the premium.
No, in general:
- You can cancel your contract on the annual expiry date, subject to a notice period (often 3 months before the end of the year).
- Cancellation is possible in the event of vehicle sale orincrease premiums by the insurer.
Third-party liability insurance remains valid, as it is linked to the vehicle. However, if the driver is not listed on the policy, a surcharge or reduction in coverage may apply.
Your personal car insurance generally does not cover rental cars.
Rental agencies offer vehicle-specific insurance, but some credit cards include coverage for rental vehicles (fully comprehensive or zero deductible).
The "bonus-malus" system adjusts your premiums according to your driving behaviour.
Thanks to a bonus, you benefit from a reduction on your premiums if you cause no claims.
Your bonuses increase if you are responsible for accidents. this is a malus.
This coverage helps you pay for legal fees in the event of a dispute relating to your vehicle, such as a disagreement with a garage or a claim against a third party following an accident.
Legal protection is first and foremost an attempt to settle disputes within the company.amicable and acts asintermediate between the two parties.
You can reduce your car insurance premiums by:
- Choosing a higher deductible.
- Comparing offers from different insurers.
- Opting for a vehicle with lower insurance costs.
- Avoiding claims to maintain a good bonus.
Why choose Invexa?
Invexa will work with you rigorously, ethically and objectively to optimize your retirement and personal finances, without any conflict of interest.
Independent advice
Invexa is not affiliated with any bank or insurance company. We are on your side, defending your interests to the best of our ability.
Results-oriented approach
We'll help you make concrete, realistic decisions that are consistent with your tax, business and family situation.
Expert advice
Our advisors are specialists in their field and hold qualifications recognized in Switzerland.
All-round Support
Our team is at your disposal to advise and support you at all times, for simple or complex situations.
Choosing the right car insurance
Choosing the right car insurance depends on your needs, vehicle and budget. Here's a practical guide to help you make the right decision:
Mandatory coverage
In Switzerland, third-party liability (TPL) is the main legal minimum for any vehicle. It covers bodily injury or damage to property caused to third party. Insurers generally offer coverage ranging from CHF 5 to 100 million. It is advisable to choose a high level of coverage to avoid being insufficiently protected in the event of a serious accident.
Optional coverages
For cars with a significant value (CHF 10,000 or more), partial cover is useful. It protects against risks such as theft, natural disasters, fire or glass breakage.
Comprehensive insurance is recommended for new or expensive (CHF 20,000 or more), because it also covers damage to your own vehicle, even if you are at fault for the accident. It is generally compulsory for vehicles in leasing.
Assessing costs
The amount of your premium depends on several factors, including your deductible, your driver profile and your place of residence. A standard deductible of CHF 1'000 is common, but increasing it (CHF 2,500 or more) can reduce the annual premium.
Young drivers (under 25) often pay higher premiums, while a claims-free history can offer discounts of up to 30 %. If you live in a rural area, your premiums will generally be 10 to 15 % lower than in urban areas.
Additional covers
Services such as breakdown assistance, a replacement car or legal protection can be added to enhance your coverage. These options are particularly useful if you drive frequently or travel abroad. Be sure to check the specific exclusions in each contract to avoid unpleasant surprises.
Optimization and planning
To reduce your costs while maintaining good protection, compare several offers and choose a deductible to suit your budget. If your car is of low value (less than CHF 5,000), a simple third-party liability policy may suffice. For owners of new cars, comprehensive cover is a wiser choice.
In short, you always should:
- Compare at least 3 offers.
- Check exclusions and limits.
- Adapt the coverage to your vehicle and use.
- Evaluate the quality/price ratio and the services included.
Get advice
Make a free appointment with one of our insurance experts for personalized advice.
