What types of car insurance are there?

The excitement of getting a new car is always huge. But it’s often overshadowed by the administrative side of things, especially when choosing the right insurance. Liability, partial coverage, full coverage – what do these terms actually mean, and how much does it cost? Which option offers the best protection? Don’t worry, we’ve got all the information you need – and we’ll show you how to avoid the hassle entirely with a car subscription.

Liability, Partial Coverage, and Full Coverage – What Do They Mean?

In Switzerland, there are different types of car insurance:

• Liability insurance: Legally required, it covers damages to third-party property or injuries caused by your vehicle.
• Partial coverage: This protects against damage to your own vehicle caused by external factors such as storms, hail, floods, glass breakage, or theft.
• Full coverage: The most comprehensive option, combining partial coverage with collision coverage. Collision coverage insures damage to your own car caused by accidents for which you’re at fault – such as rear-end collisions or a damaged bumper.

Costs and Deductible

Being insured is essential, but it doesn’t mean there are no costs. With any insurance, you must set a deductible – the amount you pay out of pocket in the event of a claim.

• Liability insurance: The deductible can typically be set to CHF 0.
• Partial and full coverage: The deductible ranges from CHF 250 to CHF 2,500 per claim, depending on your choice. The higher the deductible, the lower the premiums – and vice versa.
• How Much Does Full Coverage Cost?
• The cost of full coverage depends on several factors:
• Car value: More expensive cars result in higher premiums.
• Driver’s age and experience: Younger or less experienced drivers typically pay more.
• Location: Urban areas often have higher premiums than rural ones.
• Deductible: A higher deductible reduces monthly costs.
• No-claims discount: Accident-free driving may qualify for discounts.

Full Coverage with a Car Subscription – Simply Stress-Free

With a Carvolution car subscription, full coverage is already included in the fixed monthly price. You save the effort of searching for the right insurance and can hit the road worry-free.

Our vehicles are insured with Mobiliar. Full coverage includes complete repair costs, including glass damage, thanks to a specific add-on insurance. Additionally, a passenger insurance is included, protecting both drivers and passengers in case of accidents.

Are Additional Insurances Worth It?

Yes, and Carvolution offers them as optional add-ons for a small monthly fee:

Parking damage insurance: Highly recommended, as parking damages caused by unknown third parties are common. Up to two cases per year are covered – without a deductible.

Gross negligence insurance: Complements full coverage and protects you from benefit reductions if gross negligence is proven.

Traffic legal protection insurance: Provides legal assistance in traffic-related accidents or disputes.

Conclusion – Stress-Free Driving with a Car Subscription

With a Carvolution car subscription, you not only get a modern car but also comprehensive insurance coverage. No paperwork, no stress – just pure driving joy! You can also extend your protection with practical additional insurances, ensuring you’re fully covered no matter what happens.