Situation
You damage another car while manoeuvring.
Consequence
Your vehicle's liability insurance compensates the injured party. Without bonus protection, your premium may go up in the following years.
Vehicle insurance
Drive well insured, without paying for cover you don't need.
Compulsory liability, partial or full casco, deductible, bonus protection: we compare the market to find the cover that suits your vehicle and the way you drive.
Why it matters
Very real situations.
Situation
Hail damages your bodywork in a car park.
Consequence
Only partial (or full) casco covers this kind of natural hazard damage.
Situation
Your leased car is damaged in an accident that was your fault.
Consequence
Without full casco — almost always required by the leasing company — you have to pay for the repairs yourself.
What we cover
The essentials, explained simply.
Compulsory liability
Required to drive on public roads: it covers damage caused to third parties, at least CHF 5 million per incident (Ordinance on Vehicle Insurance, VVV/OAV).
Partial casco
Theft, fire, natural hazards (hail, flooding), glass breakage, collisions with animals, marten damage.
Full casco
Everything partial casco covers, plus damage to your own vehicle in a collision that is your fault.
Tailored deductible
The amount you pay yourself per claim: the higher it is, the lower the premium. We set it to suit your budget.
Bonus protection
A claim with no impact on your bonus level: particularly useful if you drive a lot.
24/7 assistance
Breakdown service, towing, replacement vehicle and repatriation, in Switzerland and abroad.
Occupant accident cover
Additional cover for passengers, to be assessed in light of your accident insurance (UVG/LAA) and health insurance (KVG/LAMal).
Two-wheelers & e-bikes
Motorbikes, scooters, fast e-bikes: each vehicle has its own obligations and options.
Points to watch
The mistakes we see most often.
- 01
Full casco you don't need — or don't have
On an older vehicle, full casco often costs more than it pays out. On a new or leased vehicle, it is essential.
- 02
Gross negligence
In the event of gross negligence (serious speeding, drink-driving, running a red light…), the insurer can take recourse against you or reduce its benefits. Some options limit this reduction.
- 03
A bonus that is not carried over
Bonus-malus systems differ from one insurer to another: switching insurer without checking that your bonus level is carried over can be costly.
- 04
Undeclared drivers
A young driver who regularly uses the vehicle must be declared; otherwise, a higher deductible may apply in the event of a claim.
Our method
Support in 4 steps, with no effort on your part.
- 01
Analysis
Your contracts, your needs, your goals: we carry out a full review.
What you get
A clear overview of your cover
- 02
Comparison
As an independent (non-tied) broker, we compare offers from many insurers, without bias.
What you get
The best offers, compared for you
- 03
Set-up
We handle the formalities, from cancellations to new contracts.
What you get
No admin for you to deal with
- 04
Follow-up
Claims, life changes, regular reviews: we stay by your side.
What you get
A dedicated point of contact, for the long term
- Non-tiedIndependent broker
- FINMARegistered · F01536191
- +2'500Clients supported
- 98%satisfaction rate
- +10 yearsof experience
Frequently asked questions
Vehicle insurance:your questions.
Our experts' answers to the questions we are asked most often.
Two levels of cover:
- Partial casco: damage you cannot prevent — theft, fire, hail, glass breakage, animals…
- Full casco: also covers damage to your own vehicle in an accident for which you are responsible.
Let's talk about your situation.
A first conversation to review your situation and your needs.
Book an appointmentRelated areas
Also worth exploring.
Home insurance
Comprehensive protection for your home and personal belongings.
- Water damage cover
- Theft protection
- Personal liability
Legal protection
Defending your rights in every area.
- Employment law
- Road traffic
- Contracts & property
Health insurance
Supplementary health insurance tailored to your needs.
- Alternative medicine
- Private room
- Dental care
Official sources
- Ordinance on Vehicle Insurance (VVV/OAV, in French) — fedlex.admin.ch
- Insurance Contract Act (VVG/LCA, in French) — fedlex.admin.ch
General information, as of 2026 — it does not replace personalised advice.