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.