Trap 1: deductible varies by claim type
Many offers advertise a low deductible (CHF 500) for collision but charge CHF 1,500-2,000 for glass or theft. Always read the deductibles by claim type, not just the headline one.
Trap 2: exclusions for young or new drivers
If a driver under 25 uses your car, some policies increase the deductible (CHF 2,500+) or refuse cover. Check conditions for occasional lending.
Trap 3: bonus loss after a claim
One at-fault claim can raise your premium 30-50% the next year. Solution: "lifetime bonus protection" option (+5-10% premium) protects your rate. Pays off after the first claim.
Trap 4: gimmick options
Winter wheels, electronic accessories, pets in car… these add-ons cost CHF 30-80/year each for marginal use. Focus on truly useful coverage: collision, bonus protection, passenger injuries, new-value reimbursement.