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.
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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