Insuring a vehicle in Switzerland

If you are moving to Switzerland and you are importing a vehicle you will need a Swiss vehicle insurance in order to obtain the number plates.

You can use comparis.ch in order to compare different offers. Here is a brief overview if how car insurance works in Switzerland:

1. Third-Party Liability Insurance (Civil Liability): This is the minimum required insurance in Switzerland. It covers damages caused to third parties, including bodily injury and property damage, resulting from an accident where you are at fault.
2. Partial Casco Insurance: This is optional coverage that provides additional protection beyond third-party liability. It typically covers damages to your own vehicle resulting from events such as theft, fire, natural disasters, vandalism, and collisions with animals.
3. Comprehensive (Total) Casco Insurance: Also known as full coverage, this is the most extensive form of car insurance. In addition to the coverage provided by third-party liability and partial casco insurance, it also covers damage to your own vehicle resulting from accidents where you are at fault. If you opt for a leasing the total casco insurance is mandatory.

Car insurance premiums in Switzerland are influenced by factors such as the driver’s age, driving experience, the make and model of the vehicle, the level of coverage chosen, and the deductible amount selected. Additionally, premiums can vary depending on the insurance company and any discounts or bonuses that may apply.