Car Insurance: Security when it matters most
With car insurance from Helvetia, you protect your vehicle according to your needs. simply helps you find the right insurance cover.
What Helvetia car insurance offers
Liability insurance – The statutory minimum cover
- insures the costs of personal injury and property damage that you cause with your vehicle.
- You as the holder and all drivers of the vehicle are insured.
- Helvetia also defends against unjustified claims.
Partial casco – Protection against natural hazards and theft
- Coverage for damage caused by storm, hail, flood, landslide, avalanche, glass breakage, fire and theft.
- Marten damage, accidents with wild animals, wilful damage by third parties (e.g. breaking off mirrors) and earthquakes are also insured.
- Damage to the parked vehicle is also covered with TeilkaskoPLUS.
Comprehensive insurance – The all-round protection
- Includes all the benefits of partial casco.
- Additionally secures damage to your own vehicle caused by yourself (e.g. rear-end collision).
- In the event of total loss, you can choose between current value or current value addition.
- Coverage of repair costs, towing and recovery costs up to CHF 10,000, as well as return transport if recovered after theft.
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Combo discount
Combine two Helvetia products (e.g., home contents and personal liability insurance) and receive a 5% discount; each additional product provides an extra 5%, up to a maximum of 20%.
Additional options and extensions
Coverage for damage caused by unknown third parties to the parked vehicle.
Coverage of costs for damage caused by nails, kerbstones, sharp objects, vandalism.
Insurance for permanently installed charging stations (plug-in hybrid/electric car).
After serious events such as an accident, you will receive professional support – so that you can return to everyday life mentally strengthened.
Protection for private items in the vehicle up to CHF 5,000.
No loss of bonus level in the event of a claim – on request, regardless of the number of claims per year.
Insurance for all vehicle parts made of glass (incl. LED headlights).
No recourse in the event of accidents caused by gross negligence (e.g. due to using a mobile phone while driving).
24/7 breakdown assistance, towing service, legal protection for traffic law, also abroad.
Cover for drivers, passengers and pets in the event of personal injury.
Services and benefits for Helvetia customers
Frequently asked questions
1. When does the car insurance pay out?
You are covered in these cases:
- Liability: You cause a rear-end collision and damage the car in front of you.
- Partial casco: Your car is damaged by hail or storm.
- Partial casco: Your vehicle is stolen.
- Comprehensive insurance: You accidentally touch a wall or a post.
- Assistance: You break down and need help.
2. When does the car insurance not pay out?
There is no insurance cover if:
- You intentionally damage your vehicle.
- You participate in races, rallies or similar competitions.
- You are traveling without a valid driving licence or with an unredeemed vehicle.
3. When can I change or cancel my car insurance?
A change or cancellation is possible in the following cases:
- Upon expiry of the contract, subject to the period of notice.
- When buying a new vehicle.
- In the event of a change of owner.
- In the event of a premium increase by the insurance company.
- After a claim.
4. What do I have to consider when changing vehicles?
To register your new vehicle, you need:
- Proof of insurance (can be ordered online).
- For new cars: Test report (form 13.20 from the dealer).
- For used cars: The previous vehicle registration document.
5. Do I need my own insurance for my second car?
Yes – if you want your own number plate for your second car, you also need separate insurance. Alternatively: You buy an interchangeable number plate and insure both vehicles under the same contract.
6. When do I need a Green Card?
In certain countries (e.g. Italy, Albania, Turkey) you must present an international insurance card (Green Card) upon entry. This confirms that your vehicle is covered by liability insurance.
7. What do I have to consider when moving?
When moving within the same canton:
- Report the new address to the Road Traffic Office. This will be updated in the vehicle registration document.
When moving to another canton:
- Register your car with the new Road Traffic Office within 14 days.
- You need:
- Your vehicle registration document.
- A valid proof of insurance.
- The form “Application for registration of a vehicle” (available online).
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