Car Insurance Switzerland 2026
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The right protection for your vehicle
Third-party liability insurance is mandatory in Switzerland. However, depending on the value of the vehicle, partial or comprehensive insurance is worthwhile. We help you understand the benefits – from protection against marten damage to parking damage protection, so that you are perfectly covered in an emergency.
- ✔ Third-Party Liability: Legally required. Covers damage to third parties.
- ✔ Partial Comprehensive: Protection against theft, fire, glass breakage, and hail.
- ✔ Full Comprehensive: Comprehensive protection including self-inflicted collisions.
- ✔ Gross Negligence: Waiver of recourse in the event of traffic rule violations.
- ✔ Roadside Assistance: Immediate help for breakdowns in Switzerland and Europe.
Frequently Asked Questions about Car Insurance
As a rule, you can cancel the insurance at the end of the calendar year with 3 months' notice. You have a special right of cancellation in the event of a change of vehicle, a premium increase, or after an insured claim.
Partial comprehensive insurance covers damage to your own vehicle for which you are not responsible. This includes theft, natural hazards (hail, storm, flood), glass breakage, marten damage, and vandalism.
Full comprehensive insurance is particularly recommended for new cars (up to an age of 4-7 years) and is almost always mandatory for leased vehicles, as it also covers collision damage to your own car.
With bonus protection, your premium level remains unchanged after a first reported claim per year. Without this add-on, your premium would increase the following year.
Yes, in most European countries protection applies via the Green Card (or insurance certificate). Check the coverage of your provider before traveling to non-European countries.
Our Insurance Models
Choose the package that best fits your security needs.
Third-Party
Legal minimum. Covers personal injury and property damage to third parties.
Angebot anfordernPartial Comprehensive
Additional protection against theft, glass breakage, and natural events.
Angebot anfordernFull Comprehensive
Maximum protection including your own collision damage (ideal for leasing).
Angebot anfordernReady for a non-binding offer?
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More protection from ZAGI for you
Supplemental Insurance
Optimal protection for dental, glasses, and alternative medicine as a supplement.
Daily Sickness Allowance
Salary continuation for your employees in case of prolonged illness.
Building Insurance
Comprehensive protection for your property against fire, water, and natural hazards.
Do you have questions about your insurance?
Our experts will advise you personally and find the best offer for your situation.