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Car insurance

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Liability Package
Liability
 Deductible: CHF 0
Part comprehensive
Deductible of CHF 0
if repairs are carried out by a Baloise partner garage

Deductible of CHF 300
if repairs are by a garage of your own choice
Fully comprehensive
Deductible of CHF 700
if repairs are carried out by a Baloise partner garage

Deductible of CHF 1,000
if repairs are carried out by a garage of your choice
Further details
Part Comprehensive
Liability
  Deductible: CHF 0
Part comprehensive
Deductible of CHF 0
if repairs are carried out by a Baloise partner garage

Deductible of CHF 300
if repairs are by a garage of your own choice
Fully comprehensive
Deductible of CHF 700
if repairs are carried out by a Baloise partner garage

Deductible of CHF 1,000
if repairs are carried out by a garage of your choice
Further details
Fully Comprehensive
Liability
  Deductible: CHF 0
Part comprehensive
Deductible of CHF 0
if repairs are carried out by a Baloise partner garage

Deductible of CHF 300
if repairs are by a garage of your own choice
Fully comprehensive
Deductible of CHF 700
if repairs are carried out by a Baloise partner garage

Deductible of CHF 1,000
if repairs are carried out by a garage of your choice
Further details

What is liability insurance?


Liability insurance is a statutory requirement for all vehicle owners. It covers any damage that you (as the driver of a motor vehicle) may cause to other road users, animals or property.

We cover the costs of justly asserted claims and defend you against unjustly asserted liability claims.

Deductible: CHF 0
Exception: CHF 1,000 for drivers under 25 years of age
Insured amount: CHF 100 million.

Benefits of the Liability Package

- Maximum insured amount of CHF 100 million against damages instead of the minimum statutory requirement of CHF 5 million
- Additional premium bonus of up to 70%
- No deductible for liability claims.
For details of the Liability Package, please refer to the Terms & Conditions.

Part comprehensive insurance

What is part comprehensive insurance?
We provide cover for the repair of damage to insured vehicles as a result of fire, natural hazards, vandalism, glass breakage, marten bites, collisions with animals and theft. If required, we also cover the vehicle recovery costs.

Benefits of the Part Comprehensive Package:
  • Financial protection against damage to your car as a result of:
  • Theft (and attempted theft)
  • Falling rocks
  • Collision with animals
  • Damage caused by martens
  • Natural hazards, such as hail, snow, landslides, floods, etc.
  • Fire
  • Short circuits
Cover of costs in the event of vandalism of your vehicle, such as the breaking off of aerials, rear view mirrors, windscreen wipers or similar.
Current value and replacement value supplement
Deductible of CHF 0 if repairs are carried out by a Baloise partner garage
Deductible of CHF 300 if repairs are by a garage of your own choice

For details of the Part Comprehensive Package, please refer to the Terms & Conditions.

What is fully comprehensive insurance?


The Fully Comprehensive Package includes liability, part comprehensive and collision insurance. Damage resulting from collisions, scratching and painting of the vehicle is insured. This service is only offered in combination with part comprehensive insurance (part comprehensive + collision insurance = fully comprehensive insurance).

Deductible of CHF 700 if repairs are carried out by a Baloise partner garage
Deductible of CHF 1,000 if repairs are carried out by a garage of your choice

For details of the Fully Comprehensive Package, please refer to the Terms & Conditions.

Supplementary options

Extend your insurance cover to meet your individual requirements with our supplementary options:

Personal items carried in the car

Damage to personal items which you take with you in the car.

Amount insured: CHF 2,000.-
Deductible: CHF 0.-

Headlights

Damage to headlights, tail lights and indicator lights.

Deductible: CHF 0.-

Safety Package - including gross negligence cover

With the Safety Package we even protect you from the financial consequences of a grossly negligent mishap, e.g. failure to see a stop sign, distraction caused by children on the back seat, momentary nodding off.

After a serious road accident, we cover the costs of psychological support (up to CHF 1500), road safety training and driving lessons (up to CHF 500), so as to enable you to feel safe and confident on the road again.

Baloise will provide no Safety Package services if the event was caused by a driver who was intoxicated, under the influence of narcotics or significantly exceeding the speed limit (speeding).

No-claims bonus

If no-claims bonus protection is included, the premium level remains unchanged after the first claim per observation period.

No increase in premium after the first claim!


Safeguard your premium level.
Can be combined with any of the three packages (Liability, Part Comprehensive or Fully Comprehensive).

Damage caused while parked

Damage caused to your parked car by persons unknown.
  • Amount insured under the Part Comprehensive Package: CHF 2,000.
  • Amount insured under the Fully Comprehensive

Package: unlimited Deductible: CHF 0.-

Accident insurance

The occupants of the vehicle are insured in the event of an accident when using the vehicle, as provided for under the Federal Law on Accident Insurance (UVG).

Lump-sum death benefit: CHF 25,000
Lump-sum disability benefit: CHF 250,000 

Breakdown Service SOS

We help you in the event of breakdowns, accidents, theft or natural hazard events by providing roadside breakdown assistance and towing of the insured vehicle, organisation and payment of the costs for the driver and all passengers to travel home, any necessary overnight stays and the return transport of the unroadworthy vehicle.

The supplementary cover, Breakdown Service SOS assistance, is valid for the whole of Europe and countries bordering the Mediterranean, not including Kosovo, the Russian Federation, Georgia, Armenia, Azerbaijan and Kazakhstan.

 

Dear English-speaking visitor

Please note that Baloise Insurance only provides information officially in German, French and Italian.

This is a summary in English of the most important information. Please note that Baloise Insurance only provides information officially in German, French and Italian. This means that you will receive all official documents, such as policy documents, invoices, Terms & Conditions, etc., in a choice of German, French or Italian.

If you have any queries regarding our online insurance solutions, please contact us or arrange an appointment for us to call you.