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. I recommend using comparis.ch in order to compare different offers.

Understanding vehicle insurance in Switzerland

Here is a brief overview if how vehicle 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 vehicle 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.

Vehicle 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.

If you own two vehicles and never use them simultaneously, you can apply for interchangeable number plates (plaques interchangeables). This arrangement allows you to insure both vehicles under a single policy, often at a reduced rate, since only one vehicle is on the road at any given time. You will also benefit from a lower annual vehicle tax, although you will need to pay the tax corresponding to the more expensive or more powerful vehicle.

Proof of insurance (attestation d’assurance électronique)

Once the insurance policy is signed and confirmed, the insurer sends the proof of insurance directly to the cantonal vehicles office (OCV or SAN in Vaud) electronically. If you move to Geneva from another canton and need the proof of insurance, simply contact your insurer and they will usually do it quickly and free of charge. You can then visit this page to check if the OCV has received it before going there in person.