Vehicle Insurance
Everything You Need to Know
What is vehicle insurance?
Vehicle insurance is a contract that protects the owner of a vehicle against risks related to its use. In Switzerland, as in many countries, it is legally mandatory to have at least third-party liability insurance to drive legally. This insurance covers damages caused to third parties in the event of an accident.
All details on Vehicle Insurance
FAQs
Vehicle insurance is essential for all drivers.
It protects your assets and ensures financial security in case of an accident.
Types of Vehicle Insurance
- 1. Third-Party Liability Insurance (RC)
Legal obligation: This insurance is mandatory for all motorized vehicles.
Couverture It does not cover your own damages or those of your vehicle.
Limits: It does not cover your own damages or those of your vehicle.
2. Partial Insurance (or Extended Third Party)
Additional coverage: In addition to liability, this insurance includes protection against specific risks, such as theft, fire, and damages caused by natural events.
Ideal for used vehicles: It is often suitable for older cars that do not have a high market value.
3. Comprehensive Insurance
Full protection: It covers all types of damages, including those to your own vehicle, regardless of who is at fault.
Higher cost: Although it offers maximum coverage, it is generally more expensive than other options.
Why subscribe to vehicle insurance?
1. Financial Security
In the event of an accident, the costs of repairs, compensation for victims, or medical expenses can be very high. Adequate insurance protects you against these unexpected expenses.
2. Legal Protection
Subscribing to mandatory insurance provides you with legal protection. In the event of an accident, your insurer will handle the procedures and compensations.
3. Peace of Mind
Knowing that you are covered in case of an accident allows you to drive with greater peace of mind, reducing the stress associated with driving.
How to choose your vehicle insurance?
1. Assess Your Needs
Consider your type of vehicle, its age, its value, and your usage (daily, leisure, etc.) to determine the appropriate level of coverage.
2. Compare Offers
Take the time to compare the different insurance policies offered by insurers. Check the guarantees, exclusions, and the amount of deductibles.
3. Read the General Conditions
Make sure you fully understand the terms of the contract, including uncovered situations and coverage limitations.
4. Consult a Professional
An insurance broker can help you navigate the various options and choose the policy that best suits your situation.
