The anticipation of buying a new car is always great. But then the bureaucratic side comes into play and you are faced with the challenge of choosing the right insurance. Third-party liability, partially comprehensive, fully comprehensive - what does this actually mean and what kind of financial outlay will I be faced with? Which insurance offers the best protection? Don't worry, we have all the information for you, and we'll also tell you how you can easily avoid this stress factor with a car subscription.
Third-party liability, partial and fully comprehensive cover: what's behind them?
There are different types of car insurance in Switzerland. Third-party liability insurance covers property damage and personal injury to third parties caused by your car and is compulsory.
Partial accidental damage insurance covers damage to your car that you did not cause yourself, such as storm, hail and flood damage, glass damage or theft.
Fully comprehensive insurance offers the broadest insurance cover and consists of partially comprehensive insurance and collision insurance. While partially comprehensive insurance covers external damage, collision insurance offers insurance cover for damage to your own car caused by collisions for which you are responsible, such as rear-end collisions with fender benders or a defective bumper.
Being comprehensively insured is important, but does not mean that you do not have to bear any costs. With every insurance policy you take out for your car, you have to set an excess (deductible). This means that in the event of a claim, you have to pay a portion yourself. The deductible varies depending on the insurance. While liability insurance usually allows you to set the deductible to CHF 0, with partial and fully comprehensive cover you can expect a deductible of between CHF 250 and CHF 2500 per claim. You can choose the amount within this range yourself. Basically, the higher the excess, the lower the insurance premium and vice versa.
What does fully comprehensive insurance actually cost?
The cost of fully comprehensive insurance can vary greatly and depends on various factors. These include, among other things:
Vehicle value: The more expensive and valuable the vehicle is, the higher the insurance costs will be.
Driver age and experience: Younger and less experienced drivers generally pay higher premiums.
Insurance company: Rates can vary depending on the insurance company.
Where you live: Premiums can be higher in densely populated urban areas than in rural areas.
Deductible: A higher deductible in the event of a claim usually results in lower premiums and vice versa.
No-claims bonus: If you've been accident-free for a long period of time, there may be a no-claims discount that can lower your premiums.
Comprehensive insurance in the car subscription
With the Carvolution car subscription, fully comprehensive insurance is already included in the fixed monthly price. This means you don't have to do the stressful research that would normally be necessary to find the right insurance for your car. All our cars are insured through Mobiliar, which covers the repair costs for the vehicle, including headlights thanks to the additional glass insurance.
Carvolution has also taken out passenger insurance for each car. This covers the driver and passengers in the event of accidents in connection with the use of the vehicle.
Is additional insurance worthwhile with a car subscription?
For a small monthly surcharge, Carvolution offers you additional insurance such as parking damage insurance, gross negligence insurance and traffic legal protection insurance.
Parking damage insurance is highly recommended. In theory, parking damage, i.e. damage caused by third parties to your parked car, would be covered by liability insurance and therefore additional insurance would be unnecessary. In practice, however, the damage is either not noticed or ignored when it is caused and the guilty party or parties simply drive on and ignore the damage. You are then usually stuck with the costs of the damage or at least your excess.
Gross negligence insurance is additional cover to fully comprehensive insurance. Although comprehensive insurance covers damage to your own car for which you are responsible, it can demand money back from you or reduce benefits if you can be proven to have been grossly negligent. It can therefore make sense to take out this additional insurance.
Conclusion
With the car subscription from Carvolution, you not only have a stylish car, but also all-round carefree insurance cover. No stress, no worries - just pure driving pleasure!
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