When to downgrade to partial?

Usually 5-7 years after purchase, or when residual value drops below CHF 8,000-12,000.

Does deductible apply to liability?

No, liability is deductible-free by law. Only partial and full collision have deductibles.

Car insurance

Full collision

Maximum coverage including at-fault accidents — recommended for newer cars.

Full collision covers EVERYTHING: liability, partial AND damage to your own car in at-fault accidents. Ideal for new cars (up to 5-7 years). Beyond that, the premium/value ratio worsens.

New-value repair

For 24-36 months depending on contract.

Lifetime bonus

Option to keep your no-claims bonus after a first claim.

FAQ

When to downgrade to partial?: Usually 5-7 years after purchase, or when residual value drops below CHF 8,000-12,000.
Does deductible apply to liability?: No, liability is deductible-free by law. Only partial and full collision have deductibles.

Other products

Partial collision

Theft, fire, glass, animals, natural forces.

Mandatory auto liability

Legally required cover — damage to third parties.

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Maximum coverage including at-fault accidents — recommended for newer cars.

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