Automobile insurance in Switzerland is mandatory and plays an important role as a shield for
the car owner in the course of his/her driving experience. If you are a young driver or
have already got a driving experience, it is crucial to select the best auto insurance to
be legal and avoid unexpected overspending. Below, the best automobile insurance
companies in the Switzerland, their coverage, premiums, and why people in the
country choose them are provided.
1. AXA Switzerland
Website: axa.ch
Premium:
Minimum compulsory taxation is about CHF 350 per annum while maximum premiums for fully
comprehensive policies depend on the car make and driver characteristics and costs between
CHF 900 and CHF 1500.
Coverage:
AXA provides liability, partial and comprehensive insurance solutions. Some of the
comprehensive coverage offered by insurance companies contain theft, fire, and vandalism along
with the accident as well as fire and repair for the mentioned damage.
Importance:automobile insurance
Credited for flexibility and strong customer care principles, AXA Switzerland offers versatile
services that meet everyone’s needs. It shows that they are widely popular perhaps due to their
good reputation of provision of service.
2. Zurich Insurance
Website: zurich.ch
Premium:
Liability only comes at a basic price of CHF 400 annually while full coverage cost between CHF
900 to CHF 1,400.
Coverage:
The insurance that Zurich Insurance provides includes liability, partial and full coverage
insurance with legal protection and personal accident insurance.
Importance:automobile insurance
Zurich financial services enjoys a lot of reputation in Switzerland and globally due to its
stability, high quality services and it has been proven to cover a broad market of customers need
through extra covers.
3. Helvetia
Website: helvetia.ch
Premium:
Entry prices for the essential liability coverage will be at around CHF 300, while the packages go
up to CHF 1,200.
Coverage:
Its offers liability, third party and fully comp where it includes theft, fire, natural calamities and
breakdown assistance.
Importance: automobile insurance
Prominent aspects of Helvetia include highly effective customer service and individually
developed insurance offers that would be of interest to families and individuals who are looking
for insurance options that offer certain level of freedom.
4. Allianz Suisse
Website: allianz.ch
Premium:
Starting with a free third-party cover, customers get a standard package for CHF 320 while the
full coverage costs between CHF 800 and 1300.
Coverage:
The company provides liability, partial and fully comprehensive insurance together with
breakdown assistance and legal aid.
Importance: automobile insurance
As for the customers Allianz Suisse is well-known for its reliability and the vast network of
points where people can come for consulting and getting answers for their problems right away.
5. Generali Switzerland
Website: generali.ch
Premium:
Compulsory liability-only costs approximately CHF 300, and comprehensive range from CHF
750 to CHF 1200.
Coverage:
General has liability, partial, and comprehensive policies that have fire, theft, breakdown support
and windshield repair.
Importance automobile insurance
It also ranks highly due to its magnanimous offers concerning the rates per car and it unique and
efficient way of handling claims.
6. Baloise
Website: baloise.ch
Premium:
Liability only starts from year CHF340 whereas the full package coverage ranges from CHF 800
to CHF 1300.
Coverage:
Standard liability, partial and comprehensive coverage are also offered along with Theft, Fire,
and Glass Damage and Breakdown options for insurance by Baloise.
Importance: automobile insurance
Baloise has an exceptional and highly available customer service and has great and variable
products for a wide range of audience.
7. Vaudoise Assurances
Website: vaudoise.ch
Premium:
First year premiums for basic liability coverage itself cost about CHF 280, while comprehensive
cover cost between CHF 750 and CHF 1,100.
Coverage:
Natural disaster and theft/vandalism cover are available as well as liability, part and full
coverage.
Importance: automobile insurance
Vaudoise is a reputable insurer in Western Switzerland it has the highest credibility when it
comes to insurance it has plenty of options where one can select according to his wish either for
individual or family.
8. Smile Direct
Website: smile-direct.ch
Premium:
Currently, Smile Direct has some of the lowest prices; for example, liability-only cost CHF 200
and full coverage cost CHF 800 and above.
Coverage:
Liability, partial, and comprehensive packages are offered together with free features such as
roadside assistance and legal protection, as well as accident protection.
Importance: automobile insurance
Smile Direct which is an online insurer mainly appeals to younger persons for its cheap and easy
to sign up policies that are fully digitalize.
9. TCS (Touring Club Switzerland)
Website: tcs.ch
Premium:
Exempt liability insurance fee starts from 300 CHF, while full package protection costs between
900 and 1,400 CHF per year.
Coverage:
TCS deals in liability, partial, and full insurance services; additional road side assist and legal
expenses inclusive.
Importance: automobile insurance
Currently it have competence in automobile assistance, TCS offer Swiss a full cover and special
services regarding to driving training, travel assistance and etc.
10. La Mobilière
Website: mobiliar.ch
Premium:
The minimum package is from CHF 350 while a comprehensive package is from CHF 950 CHF
1400.
Coverage:
La Mobilière offers liability, and partial or completely comprehensive choices, which mean
basically legal, fire, theft and accident insurance.
Importance: automobile insurance
Switzerland originally known as La Mobilière, in terms of customer relations and satisfaction
with policy presentation, more tailored for long-term customers, has been reliable for many
years.
The Impacts of Car Insurance in Switzerland
Legal Requirement
While compulsory, the Third Party Only covers a driver legally to pay costs of
compensation to a third party for injuries or property damage in Switzerland.
Financial Protection
Thus a fully fledged insurance provides maximum shield from all financial risks
ranging from third party’s loss to the car as well as driver in cases of theft, accidental
or a calamity event.
Peace of Mind
The feeling of having one’s car insured against any eventuality ranging from an
accident to theft is comforting in the extreme. It is a fact that wider-ranging packages
as a rule provide more extensive coverage, at least, extra’s for legal protection and
help if car breaks down.
Optional Add-Ons
The special offers include legal advice, including the cover of broken glass, and the
provision of a replacement vehicle to those customers who are specially req
Emergency Support
Majority of the Swiss insurers offer this services; therefore a driver has the surety that
there is help available in those testing periods on the road.
AUTOMIBILE INSURANCE CONCLUSION
When selecting automobile insurance supplier in Switzerland customer should focus on what is
offered in terms of trends in premiums, range of offered coverage and general standings of the
supplier. Here some of the programs presented by different companies: AXA, Zurich, Allianz
Suisse and etc – allow choosing the degree of protection by the driver. The detailed evaluation of
these options helps Swiss-driven people to find insurance policy that not only corresponds to the
legislative norms, but also meets individual needs of everybody who has to drive a car.
