Advantages of car insurance in Switzerland

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Notice period 1 month – directcar does not tie customers to long running times!

  • 4 above-average service packages for a easy choice
  • Everything already included
  • Digitized, where it makes sense and saves premiums
  • Fast claims service
  • Automated web-based car insurance
  • Direct management online by the policy holder
  • Minimal application questions



  • Liability with fixed bonus without cost for bonus protection
  • Deductible CHF 0.- / driver <25 years CHF 1’000.-
  • Regress waiver in case of gross negligence
  • Guarantee amount CHF 100 million


  • Partial cover for fire, theft, elemental damages, martens
  • All glass parts insured, incl. LED and Xenon
  • No deductible
  • 100% revalutaion compensation for the first 2 years of operation
  • Fixed premium
  • Regress waiver in case of gross negligence


  • Fully comprehensive – collision and all partial damage insurance included
  • Items carried up to CHF 3’000.- insured
  • Loss of use up to CHF 1’000.- insured
  • Deductible in case of collision CHF 1’000.-


  • Parking damage, only possible in conjunction with fully comprehensive
  • Parking damage unlimited without deductible


  • Accident – occupant insurance for all inmates
  • In the event of death CHF 50’000.- per person
  • In the event of disability CHF 100’000.- per person
  • Healing costs: 5 years unlimited
  • Is optional for all packages

The Allianz car insurance offers the following advantages:

– Comprehensive service packages

– Allianz Helpbox and Crash Recorder for more security and 10% premium rebate

– Free Assistance in Europe

The AXA-Winterthur car insurance offers the following advantages:

– Drive Recorder for all under 26 with up to 25 % discount for safe driving.

– Car pick-up and drop-off service (incl. free replacemtent car) if liability insurance, hull insurance and accident insurance are concluded together.

Family discount for young drivers under 23 years/

  • Each new business will be rewarded with a discount in the form of a reduction of 3 levels, if:
    • the customer is resident with the parents

and the parents have at least 2 policies (of which at least 1 motor vehicle insurance) by AXA

Multi-policy rebate for customers aged 24 – 28 years /

  • The customer will receive the lowest bonus level if:
    • he has at least two more active policies by AXA
    • and he had at the pre-insurer max. 1 damage in the liability and the hull over the past 5 years.

The Baloise car insurance offers the following advantages:

– Depending on the product choice, reduced driver safety training including premium bonus.

– Free additional services and reduced deductible for passenger cars and delivery vans when repaired in a partner company of Baloise insurance.

The Dextra car insurance is interesting for motorists who are willing to make a performance loss, accept higher deductibles and wish a more favorable premium.

Dextra car insurance is a sister company of Dextra legal protection insurance.

3 service packages – DexCar M – DexCar L – DexCar XL

Car insurance DexCar M:

  • Liability with deductible CHF 500.-
  • Partial cover with deductible CHF 500.-
  • Collision hull with deductible CHF 2’000.-


Car insurance DexCar L:

  • Liability with deductible CHF 200.-
  • Partial cover with deductible CHF 200.-
  • Collision hull with deductible CHF 1’000.-
  • Gross negligence insured
  • Accident basis insured
  • Assistance basis insured


Car insurance Dextra XL:

  • Liability with deductible CHF 0.-
  • Partial cover with deductible CHF 0.-
  • Collision hull with deductible CHF 500.-
  • Gross negligence insured
  • Accident plus insured
  • Assistance plus insured

The Generali car insurance offers the following advantages:

– Guarantee 7: Guaranteed damage control for hull damage within 7 days.

– Partner for broken glass parts – Generali insurance gives here the deductible of CHF 200.-. Repair at home or at work.

The Helvetia car insurance offers the following advantages:

– Bonus reduction after a recognized driver safety training in the liability and collision hull.

– Holiday cover: short term collision insurance for worldwide travel possible.

– Oldtimer insurance with many advantages.

The Mobiliar car insurance offers the following advantages:

– Immediate service at break of the vehicle windows.

– Premium reduction and expense sharing after completed driving safety training.

– Discount for little drivers (<7’000km/year).

The Vaudoise car insurance offers the following advantages:

  • Cooperative profit sharing in a two-year rhythm
  • Lifelong maximum bonus (for long-term customers)
  • Damages among family members automatically insured
  • Basic value addition without age limit (20% of the new value)
  • Reduction of the diductible by CHF 100, if the repair is done in a  Partnergarage of Vaudoise
  • Parking damages without bonus charge are already included in the collision insurance
  • Tire damage / damage by car wash included free of charge
  • Comprehensive assistance services (further information can be found here)
  • Assistance free of charge, if liability, hull and inmates are insured.
  • Green tariffs for environmentally friendly cars.


The general conditions of insurance and useful information are available hier.

The Zürich car insurance offers the following advantages:

– Family bonus for young drivers up to 25 years if parents are already insured with Zürich insurance.

– Roadside assistance Switzerland included.

– More attractive hull premium with Help Point PLUS.

– Special tariff for SUV, compact- und minivans.

You can also write the type-approval certificate number, which is written in your registration document

If you have questions or urgent cases, please get in contact with us.

From monday to fryday from 08.00 o’clock to 18.00 o’clock
Client service:  058 255 06 00