Car Insurance

The good insurance can save a lot of money and a lot of trouble. The offer, however, is considerable and it is not easy to keep the overview. Here are some tips to help you find the insurance solutions that best fit your needs.

Assurances base

"Liability insurance”

"Insurance casco”

Liability insurance

The liability insurance for motor vehicles is the only insurance for any holder and holder of any car. You need this insurance certificate already at the time of approval of your vehicle and encourage a penalty if you are going without coverage.

The liability insurance for motor vehicles supports property damage and bodily caused to third with the vehicle. This insurance covers the owner, the owner, driver and front passenger and rear passengers.

Are insured?

-- Injuries caused by the use of motor vehicle, also in guarantor or by manipulating the moving parts of the vehicle (such as doors)

-- Assistance in the event of an accident where the vehicle is involved - defending the interests vis-à-vis unjustified claims, care for attorneys' fees, court costs and expertise.

Do not cover damage to insured vehicle

Monthly cost

The monthly costs of liability insurance for motor vehicles vary according to the following factors: the amount of coverage, type of vehicle, the use made of the vehicle, the mileage, place of residence, 'Parking spaces and the level of bonus awarded to date.

Discounts

The insurance offer various discounts depending on the category of policy holders. It exists in almost all cases discounts for

-- Drivers running low (usually less than 10,000 km per year) - drivers who do not lend their vehicles to other (and are therefore only to drive their cars) - families with young children -- Car owners with a garage - the second car.

In addition to the examples cited, there are many other discounts, for example, if you want to take a rental car in case of disaster or if, as a new driver, you enter a stage of road safety. It is therefore worth of carefully compare the different offers.

Degree bonus

Driving without accident can make the greatest savings premiums. While drivers neophytes have to pay up to 240 percent of the base amount, drivers are cautious, however, achieve a lower premium of up to 30 percent while driving for 18 years without causing injury. In this context, there is a part of the differences between insurers.

-- Many insurance companies take into account years of driving without a vehicle accident with third parties (for example with an official car) when you register for the first time a car in your name. Ask also how many years you have to do without driving accident to reach the level of the highest bonus.

-- The level of bonuses is also negotiable if you are part of the "good risks" (good client, long-standing practice of driving without an accident, good job…)

-- Women are often entitled to discounts while there are products specifically designed for new drivers - large companies often have insurance benefits for their employees.

Attention

In some cases, it is possible that you lose your insurance coverage, such as:

-- If the vehicle had defects important security - if the damage was caused intentionally - in the case of driving under the influence of alcohol or drugs - if an unauthorized person was driving.

Amount of coverage

The minimum amount of coverage required by law in Switzerland amounting to CHF 5 million. It is recommended to conclude an unlimited insurance coverage. The minimum increase can protect you from financial ruin.

Deadlines

In principle, insurance coverage takes effect once the first amount received. A "provisional coverage" is granted so far. Warning: late payment leads the retroactive cancellation of insurance coverage!

Insurance casco

Typically, a casco insurance covers property damage such as damage, destruction or theft of a vehicle. The "parts list" lists all the pieces performed. Participation can reduce the amount of premiums.

Insurance partial casco

The insurance provides partial casco, in general, your vehicle against:

-- Theft

-- Glass break

-- Fire, explosion

-- Floods, storms, hail and lightning

-- Collisions with game

-- Damage to cables due to short circuits.

Faced with one of these cases, partial casco insurance covers the costs of repair and if the total damage, the replacement value of the vehicle.

Do not insured

-- Luggage in the car, loading trailers (these are covered by insurance luggage)

-- Damage intentionally or negligently

-- Damage caused by wear.

Insurance casco full

The insurance casco full supports, in addition to damages covered by insurance casco part:

-- Damage caused by accidents in which you are personally liable

-- Damage intentionally

even if the driver commits an offence liable to leak.

As a general rule, if the total damage, the insurance reimburses the price of new vehicle if the car was injured less than a year. If damage occurred later, it returns the replacement value (or in case of conclusion of compensation to the market value increased, often much more).

In case of contribution rates low (low level of bonus) a total casco insurance does not cost much more than a partial casco insurance. It is therefore necessary to carefully compare the premiums. The full casco insurance is particularly profitable for new cars.

Tips for the conclusion

-- Conclude always casco insurance or partial coverage with the market value (compensation insurance, however, are often of different heights)

-- Ensure that the partial casco insurance covers damage caused by martens.

-- Check the mode of compensation flights. Some insurance would reimburse that the current value.

-- Check whether there are local restrictions on the validity of insurance.