Car insurance
Partial collision
Theft, fire, glass, animals, natural forces.
Partial collision complements mandatory liability by covering own-vehicle damage from external events: theft, fire, animal damage, glass breakage, falling objects, hail, flooding. Does not cover at-fault accidents.
Natural forces
Hail, storm, flood, landslide, falling trees — all covered.
Glass breakage
Windshield, windows, headlights — often deductible-free at some insurers.
FAQ
- What's not covered?
- At-fault accidents (full collision), intentional damage, normal wear.
- Is it worth it for an old car?
- Often yes — even a 10-year-old car costs CHF 5,000-10,000 to replace if stolen or burnt.