Everyday · Mandatory liability
Car insurance: liability is mandatory, casco depends on your car's value
Partial or full casco, deductibles, bonus system: the dials of your premium.
Updated 5 September 2026 · Information drawn from official legal texts (fedlex.admin.ch), the Federal Office of Public Health (FOPH) and Swiss federal data.
The three tiers
| Cover | Status | Covers | Recommended for |
|---|---|---|---|
| Vehicle liability | Mandatory | Injury and damage caused to others | Everyone (the law requires it) |
| Partial casco | Optional | Theft, fire, glass breakage, hail, animal collision, vandalism | Nearly all vehicles, even older ones |
| Full casco | Optional | Partial casco + damage to your own car, even at fault | Recent or leased vehicles (often required) |
The price dials
- Deductibles on liability and casco: higher = lower premium.
- Bonus/malus system and bonus protection.
- Market value vs enhanced value in a total loss.
- Options: personal effects, replacement car, gross negligence.
Simple rule: past 5–7 years or a modest residual value, full casco is rarely worth it, switch to partial and save hundreds per year.
📰 Car insurance 2026: 45% of Swiss drivers pay more, usually without a claim. Figures, notice periods and how to switch. →
Is your car premium still competitive?
Comparison at identical cover, termination handled for you at the right deadlines.
Compare my car premium📖 Official legal texts: Road Traffic Act (SR 741.01) · fedlex.admin.ch
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