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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 insuranceWhat 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.
- Short circuits
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.
Personal items carried in the car
Amount insured: CHF 2,000.-
Deductible: CHF 0.-
Deductible: CHF 0.-
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 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).
- Amount insured under the Part Comprehensive Package: CHF 2,000.
- Amount insured under the Fully Comprehensive
Package: unlimited Deductible: CHF 0.-
Lump-sum death benefit: CHF 25,000
Lump-sum disability benefit: CHF 250,000
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
If you have any queries regarding our online insurance solutions, please contact us or arrange an appointment for us to call you.