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1<style id="__jsx-4262071498">html{font-family:'__Inter_de012b', '__Inter_Fallback_de012b'}</style></head><body><noscript><iframe 2 src="https://www.googletagmanager.com/ns.html?id=GTM-W6DFR53" 3 height="0" 4 width="0" 5 style={{ display: 'none', visibility: 'hidden' }} 6 ></iframe></noscript><div id="__next"><div class="my-10 mx-auto max-w-max md:max-w-screen-sm 7 fixed bottom-0 left-0 right-0 8 flex px-3 md:px-4 py-3 justify-between items-center flex-col sm:flex-row gap-4 z-50 9 bg-[#D7F5F3] rounded-lg shadow 10 hidden"><div class="text-center"><p>We use cookies to guarantee you the best experience on our site.</p></div><div class="flex min-w-fit gap-2"><button class="px-5 py-2 rounded-md">Decline</button><button class="px-5 py-2 bg-primary rounded-lg text-white">Allow</button></div></div><div class="jsx-4262071498 text-dark"><header class="sticky top-0 z-50 h-[82px] bg-white"><div class="mx-auto flex h-full max-w-6xl items-center justify-between px-4"><div class="flex items-center"><a href="/en"><img alt="Logo" loading="lazy" width="173" height="36" decoding="async" data-nimg="1" class="h-[36px] w-[173px] object-contain" style="color:transparent" src="/logo/comparea.svg"/></a><nav aria-label="Main" data-orientation="horizontal" dir="ltr" class="z-10 max-w-max flex-1 items-center justify-center ml-8 hidden xl:block"><div style="position:relative"><ul data-orientation="horizontal" class="group flex flex-1 list-none items-center justify-center space-x-1" dir="ltr"><li><button id="radix-:Rin6:-trigger-assurances" data-state="closed" aria-expanded="false" aria-controls="radix-:Rin6:-content-assurances" class="group inline-flex h-10 w-max items-center justify-center rounded-md bg-white px-2 py-2 text-base font-semibold transition-colors hover:bg-primary-100 hover:text-dark/85 focus:bg-slate-100 focus:text-dark/hover:text-dark/85 focus:outline-none disabled:pointer-events-none disabled:opacity-50 data-[active]:bg-slate-100/50 data-[state=open]:bg-slate-100/50 group" data-radix-collection-item="">Insurance<svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down relative top-[1px] ml-1 h-5 w-5 transition duration-200 group-data-[state=open]:rotate-180" aria-hidden="true"><path d="m6 9 6 6 6-6"></path></svg></button><div id="radix-:Rin6:-content-assurances" aria-labelledby="radix-:Rin6:-trigger-assurances" data-orientation="horizontal" data-state="closed" class="left-0 top-0 data-[motion^=from-]:animate-in data-[motion^=to-]:animate-out data-[motion^=from-]:fade-in data-[motion^=to-]:fade-out data-[motion=from-end]:slide-in-from-right-52 data-[motion=from-start]:slide-in-from-left-52 data-[motion=to-end]:slide-out-to-right-52 data-[motion=to-start]:slide-out-to-left-52 md:absolute flex rounded-2xl invisible w-0 overflow-hidden md:w-0" style="pointer-events:none" dir="ltr"><ul class="flex flex-col gap-2 border-r border-[rgba(136,136,148,0.20)] px-2.5 py-3"><li class="flex h-[60px] w-[228px] items-center gap-2 px-1 rounded-xl bg-primary text-white"><div class="flex-shrink-0"><svg xmlns="http://www.w3.org/2000/svg" fill="none" width="32" height="32" viewBox="0 0 42 42" size="32"><path stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="M21.25 8.619c1.356-1.587 3.703-3.369 7.276-3.369 6.25 0 10.443 5.866 10.443 11.33 0 11.42-14.219 20.17-17.719 20.17-3.5 0-17.719-8.75-17.719-20.17 0-5.464 4.193-11.33 10.442-11.33 3.574 0 5.92 1.782 7.277 3.369Z" clip-rule="evenodd"></path><path stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="M12.5 20.125h3.889l2.917-4.375 3.888 8.75 2.918-4.375H30"></path></svg></div><span class="text-center text-base font-medium">Health insurance</span></li><li class="flex h-[60px] w-[228px] items-center gap-2 px-1"><div class="flex-shrink-0"><svg xmlns="http://www.w3.org/2000/svg" width="32" height="32" fill="none" size="32" viewBox="0 0 42 42"><path stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="M30.5 31.5c0 2.9-2.35 5.25-5.25 5.25h-7A5.25 5.25 0 0 1 13 31.5M13 31.5v-7M30.5 24.5v7M34 19.25l-3.5 5.25M9.5 19.25 13 24.5M26.125 24.5a11.375 11.375 0 0 1-8.75 0M30.5 15.75V9.43a3.527 3.527 0 0 0-2.605-3.393 24.382 24.382 0 0 0-12.29 0A3.527 3.527 0 0 0 13 9.43v6.32M17.375 14h8.75"></path></svg></div><span class="text-center text-base font-medium">Car insurance</span></li><li class="flex h-[60px] w-[228px] items-center gap-2 px-1"><div class="flex-shrink-0"><svg xmlns="http://www.w3.org/2000/svg" width="32" height="32" fill="none" viewBox="0 0 42 42" size="32">
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10Glasses/lenses insurance</a></li><li class="text-[16px] font-medium text-primary hover:underline"><a href="/en/health-insurance/etudiants">Student health insurance</a></li><li class="text-[16px] font-medium text-primary hover:underline"><a href="/en/health-insurance/lamal/frontier-worker">Insurance for cross-border commuters</a></li><li class="text-[16px] font-medium text-primary hover:underline"><a href="/en/health-insurance/complementary/hospital-insurance">Hospitalization coverage</a></li><li class="text-[16px] font-medium text-primary hover:underline"><a href="/en/health-insurance/prenatale">Prenatal insurance</a></li><li class="text-[16px] font-medium text-primary hover:underline"><a href="/en/health-insurance/lamal/lamal-or-cmu">Cross-border commuters: LAMal or CMU?</a></li></ul></div><div class="flex h-full flex-col items-center justify-center px-[14px] py-[16px]"><img alt="Logo" loading="lazy" width="238" height="238" decoding="async" data-nimg="1" class="h-[238px] w-[238px] 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class="w-[900px] invisible absolute"><div class="grid w-full grid-cols-3"><div class="flex flex-col px-[14px] py-[24px]"><span class="mb-[16px] text-[18px] font-semibold">Our products</span><ul class="flex flex-col gap-2"><li class="text-[16px] font-medium text-primary hover:underline"><a href="/en/car-insurance">Car insurance</a></li><li class="text-[16px] font-medium text-primary hover:underline"><a href="/en/car-insurance/electric-car">Electric car insurance</a></li><li class="text-[16px] font-medium text-primary hover:underline"><a href="/en/car-insurance/electric-car">Commercial vehicle insurance</a></li></ul></div><div class="flex flex-col px-[14px] py-[24px]"><span class="mb-[16px] text-[18px] font-semibold">Read more</span><ul class="flex flex-col gap-2"><li class="text-[16px] font-medium text-primary hover:underline"><a href="/en/car-insurance/mileage-insurance">Per-kilometre insurance</a></li><li class="text-[16px] font-medium text-primary hover:underline"><a 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focus-visible:ring-2 focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 text-center bg-thirdy text-white hover:bg-thirdy/90 h-[56px] px-[26px]" href="https://protection-juridique.comparea.ch/?locale=en">Compare offers</a></div></div></div></div><div class="w-[900px] invisible absolute"><div class="grid w-full grid-cols-3"><div class="flex flex-col px-[14px] py-[24px]"><span class="mb-[16px] text-[18px] font-semibold">Our products</span><ul class="flex flex-col gap-2"><li class="text-[16px] font-medium text-primary hover:underline"><a href="/en/household-insurance">Home contents and Personal liability insurance</a></li><li class="text-[16px] font-medium text-primary hover:underline"><a href="/en/unpaid-rent-insurance">Unpaid rent insurance</a></li></ul></div><div class="flex flex-col px-[14px] py-[24px]"></div><div class="flex h-full flex-col items-center justify-center px-[14px] py-[16px]"><img alt="Logo" loading="lazy" width="238" 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href="https://assurance-menage.comparea.ch/?locale=en">Compare offers</a></div></div></div></div><div class="w-[900px] invisible absolute"><div class="grid w-full grid-cols-3"><div class="flex flex-col px-[14px] py-[24px]"><span class="mb-[16px] text-[18px] font-semibold">Our products</span><ul class="flex flex-col gap-2"><li class="text-[16px] font-medium text-primary hover:underline"><a href="/en/prevoyance-funeraire">Funeral insurance comparison</a></li></ul></div><div class="flex flex-col px-[14px] py-[24px]"></div><div class="flex h-full flex-col items-center justify-center px-[14px] py-[16px]"><img alt="Logo" loading="lazy" width="238" height="238" decoding="async" data-nimg="1" class="h-[238px] w-[238px] object-contain" style="color:transparent" srcSet="/_next/image?url=%2Fmascotte%2Fbras_croise_close.png&w=256&q=75 1x, /_next/image?url=%2Fmascotte%2Fbras_croise_close.png&w=640&q=75 2x" src="/_next/image?url=%2Fmascotte%2Fbras_croise_close.png&w=640&q=75"/><div class="flex 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hover:underline"><a rel="next" href="https://blog.comparea.ch/?locale=en">Comparea blog</a></li></ul></div><div class="flex flex-col px-[14px] py-[24px]"></div></div></div></div></li><li><button id="radix-:Rin6:-trigger-credits" data-state="closed" aria-expanded="false" aria-controls="radix-:Rin6:-content-credits" class="group inline-flex h-10 w-max items-center justify-center rounded-md bg-white px-2 py-2 text-base font-semibold transition-colors hover:bg-primary-100 hover:text-dark/85 focus:bg-slate-100 focus:text-dark/hover:text-dark/85 focus:outline-none disabled:pointer-events-none disabled:opacity-50 data-[active]:bg-slate-100/50 data-[state=open]:bg-slate-100/50 group" data-radix-collection-item="">Loans<svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down relative top-[1px] ml-1 h-5 w-5 transition duration-200 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10<path d="M21.25 5.25V7" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path><path d="M14.25 31.8208V33.5708V33.5883C14.25 35.5115 15.8162 37.0708 17.75 37.0708C19.6837 37.0708 21.25 35.5115 21.25 33.5883V20.6103" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path><path fill-rule="evenodd" clip-rule="evenodd" d="M16 22.708C18.8997 19.908 23.6003 19.908 26.5 22.708C29.3997 19.908 34.1003 19.908 37 22.708C36.9772 14.0297 29.9352 7 21.25 7C12.5648 7 5.52275 14.0297 5.5 22.708C8.39975 19.908 13.1003 19.908 16 22.708Z" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></div><span class="text-center text-base font-medium">Pension</span></li><li class="flex h-[60px] w-[228px] items-center gap-2 px-1"><div class="flex-shrink-0"><svg xmlns="http://www.w3.org/2000/svg" width="32" height="32" fill="none" size="32" viewBox="0 0 42 42"><path stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="M37.603 16.11c.504 1.582.764 3.23.772 4.89 0 9.182-7.443 16.625-16.625 16.625S5.125 30.182 5.125 21 12.568 4.375 21.75 4.375c1.66.007 3.308.268 4.89.772M38.375 6.9l-3.5 3.5M34.875 10.4l-2.188-2.187"></path><path stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="M14.75 24.5v-5.25c0-.797.363-1.552.985-2.05l4.375-3.5a2.625 2.625 0 0 1 3.28 0l4.375 3.5c.623.498.985 1.253.985 2.05v5.25a2.625 2.625 0 0 1-2.625 2.625h-8.75A2.625 2.625 0 0 1 14.75 24.5Z" clip-rule="evenodd"></path></svg></div><span class="text-center text-base font-medium">Mortgage</span></li></ul><div class="w-[900px]"><div class="grid w-full grid-cols-3"><div class="flex flex-col px-[14px] py-[24px]"><span class="mb-[16px] text-[18px] font-semibold">Our products</span><ul class="flex flex-col gap-2"><li class="text-[16px] font-medium text-primary hover:underline"><a href="/en/third-pilar/comparison">3rd pillar comparison</a></li><li class="text-[16px] font-medium text-primary hover:underline"><a href="/en/third-pilar">Everything you need to know about the 3rd pillar</a></li><li class="text-[16px] font-medium text-primary hover:underline"><a href="/en/third-pilar/pilar-3a">Pillar 3A</a></li><li class="text-[16px] font-medium text-primary hover:underline"><a href="/en/third-pilar/pilar-3b">Pillar 3B</a></li></ul></div><div class="flex flex-col px-[14px] py-[24px]"><span class="mb-[16px] text-[18px] font-semibold">Read more</span><ul class="flex flex-col gap-2"><li class="text-[16px] font-medium text-primary hover:underline"><a href="/en/third-pilar/maximum-amount">Maximum deductible amount</a></li><li class="text-[16px] font-medium text-primary hover:underline"><a href="/en/third-pilar/withdraw">Withdrawal from a 3rd pillar</a></li><li class="text-[16px] font-medium text-primary hover:underline"><a href="/en/third-pilar/taxation">Tax deductions</a></li><li class="text-[16px] font-medium 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href="/en/mortgage/deferred-effects">Deferred mortgage</a></li></ul></div><div class="flex flex-col px-[14px] py-[24px]"><span class="mb-[16px] text-[18px] font-semibold">Read more</span><ul class="flex flex-col gap-2"><li class="text-[16px] font-medium text-primary hover:underline"><a href="/en/mortgage/amortization">Pay off my mortgage</a></li><li class="text-[16px] font-medium text-primary hover:underline"><a href="/en/mortgage/calculation">Calculate my mortgage</a></li><li class="text-[16px] font-medium text-primary hover:underline"><a href="/en/mortgage/comparison">Compare rates</a></li><li class="text-[16px] font-medium text-primary hover:underline"><a href="/en/mortgage/renewal">Renew my mortgage</a></li><li class="text-[16px] font-medium text-primary hover:underline"><a href="/en/mortgage/advices">Mortgage advice</a></li></ul></div><div class="flex h-full flex-col items-center justify-center px-[14px] py-[16px]"><img alt="Logo" loading="lazy" width="238" height="238" 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10ing-offset-white focus:outline-none focus:ring-2 focus:ring-primary focus:ring-offset-2 disabled:cursor-not-allowed disabled:opacity-50 data-[placeholder]:text-grey [&>span]:line-clamp-1 px-2 h-[42px] bg-transparent border-0 gap-1"><span style="pointer-events:none"></span><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="h-4 w-4 opacity-50" aria-hidden="true"><path d="M6 9l6 6l6 -6"></path></svg></button><select aria-hidden="true" tabindex="-1" style="position:absolute;border:0;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0, 0, 0, 0);white-space:nowrap;word-wrap:normal"></select></div><button class="items-center justify-center whitespace-nowrap rounded-[56px] text-base font-semibold ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-2 focus-visible:ring-slate-950 focus-visible:ring-offset-2 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href="https://fonts.googleapis.com"/><link rel="preconnect" href="https://fonts.gstatic.com"/><link rel="shortcut icon" type="image/x-icon" href="/favicon.ico"/><link rel="icon" type="image/png" href="/android-chrome-192x192.png" sizes="192x192"/><link rel="icon" type="image/png" href="/android-chrome-512x512.png" sizes="512x512"/><main><div class=" flex w-full justify-center bg-[#D7F5F3] px-4 md:px-12"><div class="mx-auto flex max-w-6xl flex-col gap-6 md:flex-row md:items-end"><div class="flex min-w-[1/2] flex-col justify-start pt-11 md:pb-[107px] md:pt-[70px]"><h1 class="mb-[24px] block text-[36px] font-bold leading-[40px] text-secondary md:text-[40px]">Find the best insurance for your car</h1><span>Make of vehicle to be insured :</span><div class="my-4 grid grid-cols-3 items-center gap-4 md:my-8 md:grid-cols-5"><a rel="next" class="group grid h-full w-full place-items-center rounded-lg border-2 border-transparent bg-white p-3 shadow-md transition-all hover:border-secondary" href="https://assurance-voiture.comparea.ch/?locale=en"><img alt="marque" loading="lazy" width="80" height="80" decoding="async" data-nimg="1" class="h-[60px] w-[60px] object-contain transition-all group-hover:scale-110 md:h-[80px] md:w-[80px]" style="color:transparent" srcSet="/_next/image?url=https%3A%2F%2Fcomparea.s3.eu-central-2.amazonaws.com%2Fimages%2Ficons%2Fvw.png&w=96&q=75 1x, /_next/image?url=https%3A%2F%2Fcomparea.s3.eu-central-2.amazonaws.com%2Fimages%2Ficons%2Fvw.png&w=256&q=75 2x" src="/_next/image?url=https%3A%2F%2Fcomparea.s3.eu-central-2.amazonaws.com%2Fimages%2Ficons%2Fvw.png&w=256&q=75"/></a><a rel="next" class="group grid h-full w-full place-items-center rounded-lg border-2 border-transparent bg-white p-3 shadow-md transition-all hover:border-secondary" href="https://assurance-voiture.comparea.ch/?locale=en"><img alt="marque" loading="lazy" width="80" height="80" decoding="async" data-nimg="1" class="h-[60px] w-[60px] object-contain transition-all group-hover:scale-110 md:h-[80px] md:w-[80px]" style="color:transparent" srcSet="/_next/image?url=https%3A%2F%2Fcomparea.s3.eu-central-2.amazonaws.com%2Fimages%2Ficons%2Fmercedes.jpg&w=96&q=75 1x, /_next/image?url=https%3A%2F%2Fcomparea.s3.eu-central-2.amazonaws.com%2Fimages%2Ficons%2Fmercedes.jpg&w=256&q=75 2x" src="/_next/image?url=https%3A%2F%2Fcomparea.s3.eu-central-2.amazonaws.com%2Fimages%2Ficons%2Fmercedes.jpg&w=256&q=75"/></a><a rel="next" class="group grid h-full w-full place-items-center rounded-lg border-2 border-transparent bg-white p-3 shadow-md transition-all hover:border-secondary" href="https://assurance-voiture.comparea.ch/?locale=en"><img alt="marque" loading="lazy" width="80" height="80" decoding="async" data-nimg="1" class="h-[60px] w-[60px] object-contain transition-all group-hover:scale-110 md:h-[80px] md:w-[80px]" style="color:transparent" srcSet="/_next/image?url=https%3A%2F%2Fcomparea.s3.eu-central-2.amazonaws.com%2Fimages%2Ficons%2Fbmw.jpg&w=96&q=75 1x, 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src="/_next/image?url=https%3A%2F%2Fcomparea.s3.eu-central-2.amazonaws.com%2Fimages%2Ficons%2Faudi.jpg&w=256&q=75"/></a><a rel="next" class="group grid h-full w-full place-items-center rounded-lg border-2 border-transparent bg-white p-3 shadow-md hover:border-secondary" href="https://assurance-voiture.comparea.ch/?locale=en"><span class="font-semibold capitalize transition-all group-hover:scale-110">other</span></a></div><a rel="next" class="inline-flex items-center justify-center whitespace-nowrap rounded-[56px] text-base font-semibold ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-2 focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 text-center bg-thirdy text-white hover:bg-thirdy/90 h-[56px] w-full flex-shrink-0 px-[32px] md:w-fit" href="https://assurance-voiture.comparea.ch/?locale=en">Compare offers</a></div><div class="relative flex-shrink-0 md:pt-[70px]"><img alt="finger up" fetchpriority="high" width="430" height="430" decoding="async" data-nimg="1" class="h-[338px] w-[338px] object-cover md:h-[430px] md:w-[430px]" style="color:transparent" srcSet="/_next/image?url=%2Fmascotte%2Ffinger_up.png&w=640&q=75 1x, /_next/image?url=%2Fmascotte%2Ffinger_up.png&w=1080&q=75 2x" src="/_next/image?url=%2Fmascotte%2Ffinger_up.png&w=1080&q=75"/>
10<div class="flex w-fit items-center gap-2.5 rounded-lg p-[11.5px] md:p-[14px] bg-white text-dark absolute bottom-[14px] right-[66px] md:bottom-5 md:left-[0px]"><img alt="Google Review" loading="lazy" width="50" height="50" decoding="async" data-nimg="1" class="h-[41px] w-[41px] md:h-[50px] md:w-[50px]" style="color:transparent" src="/logo/google.svg"/><div class="flex flex-col md:gap-1"><div class="flex items-center"><span class="mr-1 text-lg font-bold md:text-[22px]">5</span><img alt="icon" loading="lazy" width="24" height="24" decoding="async" data-nimg="1" class="h-5 w-5 md:h-6 md:w-6" style="color:transparent" src="/icons/star.svg"/><img alt="icon" loading="lazy" width="24" height="24" decoding="async" data-nimg="1" class="h-5 w-5 md:h-6 md:w-6" style="color:transparent" src="/icons/star.svg"/><img alt="icon" loading="lazy" width="24" height="24" decoding="async" data-nimg="1" class="h-5 w-5 md:h-6 md:w-6" style="color:transparent" src="/icons/star.svg"/><img alt="icon" loading="lazy" width="24" height="24" decoding="async" data-nimg="1" class="h-5 w-5 md:h-6 md:w-6" style="color:transparent" src="/icons/star.svg"/><img alt="icon" loading="lazy" width="24" height="24" decoding="async" data-nimg="1" class="h-5 w-5 md:h-6 md:w-6" style="color:transparent" src="/icons/star.svg"/></div><p class="text-[11.5px] md:text-[14px]">940+ Google customer reviews</p></div></div></div></div></div><div class="w-full bg-[linear-gradient(278deg,#F8FCFC_0%,rgba(248,252,252,0.00)_100%)]"><div class="mx-auto flex w-full max-w-6xl flex-col items-center gap-9 py-[60px] md:py-[60px]"><h2 class="hidden text-[34px] font-bold md:block ">3 reasons to choose Comparea</h2><div class="grid w-full grid-cols-1 place-items-center justify-between gap-[38px] md:grid-cols-3 md:gap-6"><div class="flex flex-col items-center"><div class="mb-2 w-fit rounded-full bg-[#0cbcb026] p-[19px] text-secondary"><svg xmlns="http://www.w3.org/2000/svg" width="42" height="42" fill="none" size="42" viewBox="0 0 42 42"><path stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="M21.914 6.228V4.375M13.575 13.64h-1.853M32.105 13.64h-1.853M16.355 8.08l-1.31-1.31M27.472 8.08l1.31-1.31M16.187 21.676v14.199M25.67 21.676h3.934a3.727 3.727 0 0 1 3.64 4.529l-1.485 6.744a3.727 3.727 0 0 1-3.64 2.926"></path><path stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="M28.12 35.875H10.968a1.864 1.864 0 0 1-1.864-1.864V23.54c0-1.03.835-1.864 1.864-1.864h5.236M25.67 21.676v-5.171c0-.942-.531-1.802-1.373-2.223l-.629-.314a3.106 3.106 0 0 0-4.142 1.342l-3.321 6.366"></path></svg></div><h3 class="text-center text-lg font-bold">91% of our users</h3><p class="text-center text-base">recommend us</p></div><div class="flex flex-col items-center"><div class="mb-2 w-fit rounded-full bg-[#0cbcb026] p-[19px] text-secondary"><svg xmlns="http://www.w3.org/2000/svg" width="42" height="42" fill="none" size="42" viewBox="0 0 42 42"><path stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="M17.5 3.5h7M15.75 17.5 21 22.75M35 8.75l-4.095 4.095M33.25 7l3.5 3.5M5.25 26.25H14M14 31.5H8.75M14 36.75h-1.75M7.469 19.25C9.023 13.216 14.479 8.75 21 8.75c7.732 0 14 6.268 14 14s-6.268 14-14 14"></path></svg></div><h3 class="text-center text-lg font-bold">180,000+ users</h3><p class="text-center text-base">trust us</p></div><div class="flex flex-col items-center"><div class="mb-2 w-fit rounded-full bg-[#0cbcb026] p-[19px] text-secondary"><svg xmlns="http://www.w3.org/2000/svg" width="42" height="42" fill="none" size="42" viewBox="0 0 42 42"><path stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="M5.25 21C5.25 12.3 12.3 5.25 21 5.25S36.75 12.3 36.75 21M36.75 21c0 8.7-7.05 15.75-15.75 15.75S5.25 29.7 5.25 21M14.875 15.75v1.75M27.125 15.75v1.75"></path><path stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="M27.125 25.704S24.827 28 21 28c-3.829 0-6.125-2.296-6.125-2.296"></path></svg></div><h3 class="text-center text-lg font-bold">100% Free</h3><p class="text-center text-base">and without obligation</p></div></div></div></div><div class="mx-auto my-[60px] w-full max-w-6xl bg-white px-4"><div class="flex flex-col items-center justify-center gap-6 md:flex-row md:gap-8"><div class="flex-shrink-0"><h4 class="text-center text-[22px] font-bold md:text-left md:text-[24px]">Partner to the<br class="hidden md:block"/> <!-- -->biggest companies</h4></div><div class="flex flex-nowrap items-center justify-between gap-6 overflow-auto px-3.5 md:w-full md:overflow-hidden"><img alt="partnaire" loading="lazy" width="162" height="42" decoding="async" data-nimg="1" class="h-[36px] w-[140px] flex-shrink-0 opacity-50 md:h-[34px] md:w-[131px]" style="color:transparent" src="/logo/assura_grey.svg"/><img alt="partnaire" loading="lazy" width="162" height="42" decoding="async" data-nimg="1" class="h-[36px] w-[140px] flex-shrink-0 opacity-50 md:h-[34px] md:w-[131px]" style="color:transparent" src="/logo/groupe-mutuel_grey.svg"/><img alt="partnaire" loading="lazy" width="162" height="42" decoding="async" data-nimg="1" class="h-[36px] w-[140px] flex-shrink-0 opacity-50 md:h-[34px] md:w-[131px]" style="color:transparent" src="/logo/helsana_grey.svg"/><img alt="partnaire" loading="lazy" width="162" height="42" decoding="async" data-nimg="1" class="h-[36px] w-[140px] flex-shrink-0 opacity-50 md:h-[34px] md:w-[131px]" style="color:transparent" src="/logo/sympany_grey.svg"/><img alt="partnaire" loading="lazy" width="162" height="42" decoding="async" data-nimg="1" class="h-[36px] w-[140px] flex-shrink-0 opacity-50 md:h-[34px] md:w-[131px]" style="color:transparent" src="/logo/helvetia_grey.svg"/></div></div></div><div class="w-full bg-[#F8FCFC]"><div class="mx-auto max-w-6xl px-4 pb-[72px] pt-[60px]"><h2 class="mb-[28px] text-[32px] font-bold leading-9 md:text-[34px]">They chose Comparea for their insurance!</h2><div class="flex flex-col items-center gap-[22px] md:hidden"><div class="relative w-full max-w-xs" role="region" aria-roledescription="carousel"><div class="overflow-hidden"><div class="flex -ml-4"><div role="group" aria-roledescription="slide" class="min-w-0 shrink-0 grow-0 basis-full pl-4"><div class="h-full p-0.5"><div class="flex h-full flex-col rounded-2xl bg-white px-4 py-6 shadow-md shadow-[rgba(44,48,77,0.05)]"><div class="mb-2 flex items-center"><img alt="icon" loading="lazy" width="24" height="24" decoding="async" data-nimg="1" style="color:transparent" src="/icons/star.svg"/><img alt="icon" loading="lazy" width="24" height="24" decoding="async" data-nimg="1" style="color:transparent" src="/icons/star.svg"/><img alt="icon" loading="lazy" width="24" height="24" decoding="async" data-nimg="1" style="color:transparent" src="/icons/star.svg"/><img alt="icon" loading="lazy" width="24" height="24" decoding="async" data-nimg="1" style="color:transparent" src="/icons/star.svg"/><img alt="icon" loading="lazy" width="24" height="24" decoding="async" data-nimg="1" style="color:transparent" src="/icons/star.svg"/></div><span class="text-base font-bold">Benjamin L.</span><span class="mb-3.5 text-sm font-normal text-grey">December 2023</span><span class="mb-3.5 text-base font-bold leading-normal">Very pleasant and informative meeting</span><span class="text-[15px] font-normal leading-6"><span class="text-grey">(<!-- -->Translated from french<!-- -->)<!-- --> </span>Very pleasant and informative meeting, very good advice, Déborah is a very friendly person, patient to explain the whole system and the possibilities, really great advisor, tip top!</span></div></div></div><div role="group" aria-roledescription="slide" class="min-w-0 shrink-0 grow-0 basis-full pl-4"><div class="h-full p-0.5"><div class="flex h-full flex-col rounded-2xl bg-white px-4 py-6 shadow-md shadow-[rgba(44,48,77,0.05)]"><div class="mb-2 flex items-center"><img alt="icon" loading="lazy" width="24" height="24" decoding="async" data-nimg="1" style="color:transparent" src="/icons/star.svg"/><img alt="icon" loading="lazy" width="24" height="24" decoding="async" data-nimg="1" style="color:transparent" src="/icons/star.svg"/><img alt="icon" loading="lazy" width="24" height="24" decoding="async" data-nimg="1" style="color:transparent" src="/icons/star.svg"/><img alt="icon" loading="lazy" width="24" height="24" decoding="async" data-nimg="1" style="color:transparent" src="/icons/star.svg"/><img alt="icon" loading="lazy" width="24" height="24" decoding="async" data-nimg="1" style="color:transparent" src="/icons/star.svg"/></div><span class="text-base font-bold">Heritage F.</span><span class="mb-3.5 text-sm font-normal text-grey">December 2023</span><span class="mb-3.5 text-base font-bold leading-normal">Very satisfied with the customer service</span><span class="text-[15px] font-normal leading-6"><span class="text-grey">(<!-- -->Translated from french<!-- -->)<!-- --> </span>Very satisfied with the customer service. Thanks to Andy for your clear explanations and support in creating my membership file.</span></div></div></div><div role="group" aria-roledescription="slide" class="min-w-0 shrink-0 grow-0 basis-full pl-4"><div class="h-full p-0.5"><div class="flex h-full flex-col rounded-2xl bg-white px-4 py-6 shadow-md shadow-[rgba(44,48,77,0.05)]"><div class="mb-2 flex items-center"><img alt="icon" loading="lazy" width="24" height="24" decoding="async" data-nimg="1" style="color:transparent" src="/icons/star.svg"/><img alt="icon" loading="lazy" width="24" height="24" decoding="async" data-nimg="1" style="color:transparent" src="/icons/star.svg"/><img alt="icon" loading="lazy" width="24" height="24" decoding="async" data-nimg="1" style="color:transparent" src="/icons/star.svg"/><img alt="icon" loading="lazy" width="24" height="24" decoding="async" data-nimg="1" style="color:transparent" src="/icons/star.svg"/><img alt="icon" loading="lazy" width="24" height="24" decoding="async" data-nimg="1" style="color:transparent" src="/icons/star.svg"/></div><span class="text-base font-bold">Victoria D.</span><span class="mb-3.5 text-sm font-normal text-grey">May 2023</span><span class="mb-3.5 text-base font-bold leading-normal">Professionalism and speed</span><span class="text-[15px] font-normal leading-6"><span class="text-grey">(<!-- -->Translated from french<!-- -->)<!-- --> </span>Professionalism and speed. I can recommend this company with my eyes closed.</span></div></div></div></div></div></div><div class="flex items-center gap-2"><button class="h-[10px] w-[10px] rounded-full bg-[#888894CC] transition-all" aria-label="caroussel-0"></button><button class="h-[10px] w-[10px] rounded-full bg-[#888894CC] transition-all" aria-label="caroussel-1"></button><button class="h-[10px] w-[10px] rounded-full bg-[#888894CC] transition-all" aria-label="caroussel-2"></button></div></div><div class="hidden flex-row items-center gap-[54px] md:flex"><div class="grid grid-cols-3 gap-6"><div class="flex flex-col rounded-2xl bg-white px-4 py-6 shadow-md shadow-[rgba(44,48,77,0.05)]"><div class="mb-2 flex items-center"><img alt="icon" loading="lazy" width="24" height="24" decoding="async" data-nimg="1" style="color:transparent" src="/icons/star.svg"/><img alt="icon" loading="lazy" width="24" height="24" decoding="async" data-nimg="1" style="color:transparent" src="/icons/star.svg"/><img alt="icon" loading="lazy" width="24" height="24" decoding="async" data-nimg="1" style="color:transparent" src="/icons/star.svg"/><img alt="icon" loading="lazy" width="24" height="24" decoding="async" data-nimg="1" style="color:transparent" src="/icons/star.svg"/><img alt="icon" loading="lazy" width="24" height="24" decoding="async" data-nimg="1" style="color:transparent" src="/icons/star.svg"/></div><span class="text-base font-bold">Benjamin L.</span><span class="mb-3.5 text-sm font-normal text-grey">December 2023</span><span class="mb-3.5 text-base font-bold leading-normal">Very pleasant and informative meeting</span><span class="text-[15px] font-normal leading-6"><span class="text-grey">(<!-- -->Translated from french<!-- -->
10) </span>Very pleasant and informative meeting, very good advice, Déborah is a very friendly person, patient to explain the whole system and the possibilities, really great advisor, tip top!</span></div><div class="flex flex-col rounded-2xl bg-white px-4 py-6 shadow-md shadow-[rgba(44,48,77,0.05)]"><div class="mb-2 flex items-center"><img alt="icon" loading="lazy" width="24" height="24" decoding="async" data-nimg="1" style="color:transparent" src="/icons/star.svg"/><img alt="icon" loading="lazy" width="24" height="24" decoding="async" data-nimg="1" style="color:transparent" src="/icons/star.svg"/><img alt="icon" loading="lazy" width="24" height="24" decoding="async" data-nimg="1" style="color:transparent" src="/icons/star.svg"/><img alt="icon" loading="lazy" width="24" height="24" decoding="async" data-nimg="1" style="color:transparent" src="/icons/star.svg"/><img alt="icon" loading="lazy" width="24" height="24" decoding="async" data-nimg="1" style="color:transparent" src="/icons/star.svg"/></div><span class="text-base font-bold">Heritage F.</span><span class="mb-3.5 text-sm font-normal text-grey">December 2023</span><span class="mb-3.5 text-base font-bold leading-normal">Very satisfied with the customer service</span><span class="text-[15px] font-normal leading-6"><span class="text-grey">(<!-- -->Translated from french<!-- -->) </span>Very satisfied with the customer service. Thanks to Andy for your clear explanations and support in creating my membership file.</span></div><div class="flex flex-col rounded-2xl bg-white px-4 py-6 shadow-md shadow-[rgba(44,48,77,0.05)]"><div class="mb-2 flex items-center"><img alt="icon" loading="lazy" width="24" height="24" decoding="async" data-nimg="1" style="color:transparent" src="/icons/star.svg"/><img alt="icon" loading="lazy" width="24" height="24" decoding="async" data-nimg="1" style="color:transparent" src="/icons/star.svg"/><img alt="icon" loading="lazy" width="24" height="24" decoding="async" data-nimg="1" style="color:transparent" src="/icons/star.svg"/><img alt="icon" loading="lazy" width="24" height="24" decoding="async" data-nimg="1" style="color:transparent" src="/icons/star.svg"/><img alt="icon" loading="lazy" width="24" height="24" decoding="async" data-nimg="1" style="color:transparent" src="/icons/star.svg"/></div><span class="text-base font-bold">Victoria D.</span><span class="mb-3.5 text-sm font-normal text-grey">May 2023</span><span class="mb-3.5 text-base font-bold leading-normal">Professionalism and speed</span><span class="text-[15px] font-normal leading-6"><span class="text-grey">(<!-- -->Translated from french<!-- -->) </span>Professionalism and speed. I can recommend this company with my eyes closed.</span></div></div></div></div></div><div class="-translate-y-[36px] px-6 md:-translate-y-[34px]"><div class="mx-auto w-full max-w-6xl rounded-lg bg-white py-3 shadow"><div class="flex flex-col items-center justify-around gap-6 p-6 md:flex-row md:px-6 md:py-0"><h2 class="text-center text-[24px] font-bold">Quick access</h2><div class="h-0.5 w-full bg-[#88889433] md:h-[44px] md:w-0.5"></div><a class="text-base font-normal transition-all hover:scale-110 hover:underline" href="/en/car-insurance/young-driver">Young driver insurance</a><div class="h-0.5 w-full bg-[#88889433] md:h-[44px] md:w-0.5"></div><a class="text-base font-normal transition-all hover:scale-110 hover:underline" href="/en/car-insurance/prestige-car">Prestige car insurance</a><div class="h-0.5 w-full bg-[#88889433] md:h-[44px] md:w-0.5"></div><a class="text-base font-normal transition-all hover:scale-110 hover:underline" href="/en/car-insurance/electric-car">Electric car insurance</a></div></div></div><div class="mx-auto w-full max-w-6xl px-4 py-4"><div class="mb-6 hidden md:block"><nav aria-label="Breadcrumb"><ol itemscope="" itemType="https://schema.org/BreadcrumbList" class="flex items-center gap-1 text-sm text-dark mb-1"><li itemProp="itemListElement" itemscope="" itemType="https://schema.org/ListItem"><a itemProp="item" class="flex-shrink-0truncate hover:text-secondary hover:underline" href="/en"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" fill="none"><path stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="1.5" d="M6.785 21h10.43a3.322 3.322 0 0 0 3.323-3.322v-7.174c0-.89-.401-1.734-1.092-2.298l-5.574-4.54a2.964 2.964 0 0 0-3.743 0l-5.574 4.54a2.965 2.965 0 0 0-1.092 2.299v7.173A3.322 3.322 0 0 0 6.785 21ZM9.365 15.834h5.273"></path></svg><span class="truncate" itemProp="name"><span class="sr-only">Link to <!-- -->/</span></span><meta itemProp="position" content="1"/></a></li><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="flex-shrink-0 text-dark opacity-50"><path d="M9 6l6 6l-6 6"></path></svg><li itemProp="itemListElement" itemscope="" itemType="https://schema.org/ListItem" class="truncate font-semibold"><span itemProp="name">Car insurance</span><meta itemProp="position" content="2"/></li></ol></nav></div><div class="relative flex flex-col md:flex-row md:gap-14" id=":R2db6:"><div class="sticky left-0 top-[106px] hidden h-fit w-full max-w-[286px] shrink-0 md:block"><div class="grid h-full grid-cols-[6px,1fr] gap-2.5"><div class="h-full w-[6px] rounded-md bg-[#ECEDEF]"><div data-articles-indicator="true" class="absolute w-[6px] rounded-md bg-primary transition-all"></div></div><div class="flex flex-col gap-[18px] overflow-auto" data-articles-index="true"></div></div><div class="mt-[18px] flex w-full items-center justify-center gap-2.5"><span class="text-sm font-medium">Reading time</span>
10<div class="flex items-center gap-1 rounded-full bg-[#0CBCB040] px-2 py-1.5"><svg xmlns="http://www.w3.org/2000/svg" width="18" height="21" fill="none"><g fill="#082623" clip-path="url(#a)"><path d="M6.92 0a.797.797 0 0 0-.687.385.75.75 0 0 0 0 .77.797.797 0 0 0 .686.384h1.3v1.652a9.17 9.17 0 0 0-4.33 1.513l-.848-.813a1.06 1.06 0 0 0-1.425-.035c-.227.197-.445.402-.654.616a.996.996 0 0 0-.287.713.998.998 0 0 0 .31.704l.807.775a8.561 8.561 0 0 0-1.75 6.069 8.654 8.654 0 0 0 2.905 5.635A9.15 9.15 0 0 0 9 20.64c2.238 0 4.396-.81 6.053-2.272a8.654 8.654 0 0 0 2.906-5.635 8.56 8.56 0 0 0-1.751-6.07l.807-.775a.996.996 0 0 0 .31-.703.995.995 0 0 0-.286-.713c-.21-.214-.428-.42-.655-.616a1.06 1.06 0 0 0-1.424.035l-.847.813A9.17 9.17 0 0 0 9.78 3.191V1.54h1.3a.797.797 0 0 0 .686-.384.75.75 0 0 0 0-.77A.797.797 0 0 0 11.08 0H6.92Zm1.902 4.638a7.557 7.557 0 0 1 5.388 2.067 7.122 7.122 0 0 1 2.228 5.194 7.12 7.12 0 0 1-2.166 5.132 7.551 7.551 0 0 1-5.273 2.129 7.551 7.551 0 0 1-5.272-2.129 7.12 7.12 0 0 1-2.166-5.132 7.118 7.118 0 0 1 2.102-5.072 7.544 7.544 0 0 1 5.159-2.189Z"></path><path d="M6.288 8.87 5.18 7.794a.294.294 0 0 0-.401.006.274.274 0 0 0-.005.389l1.109 1.077c.113.104.29.102.4-.005a.273.273 0 0 0 .006-.39ZM6.288 14.928l-1.11 1.077a.293.293 0 0 1-.4-.005.273.273 0 0 1-.005-.39l1.109-1.077a.293.293 0 0 1 .4.005c.11.107.113.28.006.39ZM4.877 12.179a.283.283 0 0 0 .288-.28.283.283 0 0 0-.288-.279H3.31a.283.283 0 0 0-.288.28c0 .154.129.279.288.279h1.567ZM8.712 17.427c0 .154.13.28.288.28a.284.284 0 0 0 .288-.28v-1.524a.284.284 0 0 0-.288-.28.283.283 0 0 0-.288.28v1.524ZM11.796 17.032c1.585-.815 2.71-2.277 3.065-3.984a5.684 5.684 0 0 0-1.234-4.827A6.05 6.05 0 0 0 9 6.092v5.807l2.796 5.133Z"></path></g><defs><clipPath id="a"><path fill="#fff" d="M0 0h18v21H0z"></path></clipPath></defs></svg><span class="text-xs font-semibold">0<!-- --> min</span></div></div></div><div class="flex w-full flex-col items-center gap-5 pb-[40px] md:hidden"><div class="flex w-full justify-between"><span class="text-2xl font-semibold">Index</span><div class="flex items-center gap-1 rounded-full bg-[#0CBCB040] px-2 py-1.5"><svg xmlns="http://www.w3.org/2000/svg" width="18" height="21" fill="none"><g fill="#082623" clip-path="url(#a)"><path d="M6.92 0a.797.797 0 0 0-.687.385.75.75 0 0 0 0 .77.797.797 0 0 0 .686.384h1.3v1.652a9.17 9.17 0 0 0-4.33 1.513l-.848-.813a1.06 1.06 0 0 0-1.425-.035c-.227.197-.445.402-.654.616a.996.996 0 0 0-.287.713.998.998 0 0 0 .31.704l.807.775a8.561 8.561 0 0 0-1.75 6.069 8.654 8.654 0 0 0 2.905 5.635A9.15 9.15 0 0 0 9 20.64c2.238 0 4.396-.81 6.053-2.272a8.654 8.654 0 0 0 2.906-5.635 8.56 8.56 0 0 0-1.751-6.07l.807-.775a.996.996 0 0 0 .31-.703.995.995 0 0 0-.286-.713c-.21-.214-.428-.42-.655-.616a1.06 1.06 0 0 0-1.424.035l-.847.813A9.17 9.17 0 0 0 9.78 3.191V1.54h1.3a.797.797 0 0 0 .686-.384.75.75 0 0 0 0-.77A.797.797 0 0 0 11.08 0H6.92Zm1.902 4.638a7.557 7.557 0 0 1 5.388 2.067 7.122 7.122 0 0 1 2.228 5.194 7.12 7.12 0 0 1-2.166 5.132 7.551 7.551 0 0 1-5.273 2.129 7.551 7.551 0 0 1-5.272-2.129 7.12 7.12 0 0 1-2.166-5.132 7.118 7.118 0 0 1 2.102-5.072 7.544 7.544 0 0 1 5.159-2.189Z"></path><path d="M6.288 8.87 5.18 7.794a.294.294 0 0 0-.401.006.274.274 0 0 0-.005.389l1.109 1.077c.113.104.29.102.4-.005a.273.273 0 0 0 .006-.39ZM6.288 14.928l-1.11 1.077a.293.293 0 0 1-.4-.005.273.273 0 0 1-.005-.39l1.109-1.077a.293.293 0 0 1 .4.005c.11.107.113.28.006.39ZM4.877 12.179a.283.283 0 0 0 .288-.28.283.283 0 0 0-.288-.279H3.31a.283.283 0 0 0-.288.28c0 .154.129.279.288.279h1.567ZM8.712 17.427c0 .154.13.28.288.28a.284.284 0 0 0 .288-.28v-1.524a.284.284 0 0 0-.288-.28.283.283 0 0 0-.288.28v1.524ZM11.796 17.032c1.585-.815 2.71-2.277 3.065-3.984a5.684 5.684 0 0 0-1.234-4.827A6.05 6.05 0 0 0 9 6.092v5.807l2.796 5.133Z"></path></g><defs><clipPath id="a"><path fill="#fff" d="M0 0h18v21H0z"></path></clipPath></defs></svg><span class="text-xs font-semibold">0<!-- --> min</span></div></div><div class="flex flex-col"><div class="grid overflow-hidden transition-[grid-template-rows] duration-700 ease-out grid-rows-[0fr]"><div class="grid grid-cols-1 overflow-hidden"><div class="flex flex-col"></div></div></div></div></div><div data-articles-list="true" class="flex flex-col gap-6"><div class=""><h2 class=" text-[32px] font-bold leading-10 md:text-[34px]">All about car insurance</h2></div>
10<div class="text-justify text-base font-normal leading-6">Swiss car insurance has a few special features. Some coverages, for example, are compulsory. Our team takes you on a tour of the country's vehicle insurance features. We also reveal some invaluable tips, to <strong class="font-semibold">find the best possible contract.</strong> While for some comparing prices is absolutely essential, for others, the quality of customer service or guarantees takes precedence. </div> <h2 data-article-title="true" class="mb-[6px] block text-[30px] font-bold leading-9 md:leading-[38px]">Levels of car insurance in Switzerland</h2> <div class="text-justify text-base font-normal leading-6">In Switzerland, it's compulsory to have car insurance, whenever you plan to travel with a vehicle. Whether it's your own vehicle or a leased one, certain coverages are a must. </div> <h3 class="mb-[6px] text-[24px] font-bold leading-7">Third party liability</h3> <div class="text-justify text-base font-normal leading-6"> <a target="_self" class="font-semibold text-secondary transition-colors hover:text-secondary/80 hover:underline" href="/en/car-insurance/civil-liability">Third party liability</a> is the <strong class="font-semibold">only compulsory insurance</strong> when owning a personal vehicle in Switzerland. This covers property damage and personal injury caused by the vehicle to third parties. </div> <div class="text-justify text-base font-normal leading-6">In other words, if the insured's vehicle collides with that of another road user, it is thanks to the latter that <strong class="font-semibold">the victim will receive compensation</strong> up to the amount of the damage suffered. This may include reimbursement for repairs to the car, or the payment of damages. </div> <div class="text-justify text-base font-normal leading-6">Beware, most contracts mention a maximum sum guaranteed. It's important to consult it, to assess whether it's sufficient, in the event of an accident. Most insurance companies offer coverage up to 100 million Swiss francs. </div> <h3 class="mb-[6px] text-[24px] font-bold leading-7">Partial cover</h3> <div class="text-justify text-base font-normal leading-6"> Partial cover is not compulsory. It enables the vehicle owner to insure himself, against <strong class="font-semibold">damage that may be caused by external causes.</strong> These are situations that cannot be covered by the civil liability of other road users. Among the situations covered are:</div> <ul class="flex list-inside list-disc flex-col gap-0.5 pl-2.5 text-base font-normal marker:text-dark"> <li class="text-base font-normal leading-6">Collisions with animals,</li> <li class="text-base font-normal leading-6">Damage caused by nature, particularly bad weather,</li> <li class="text-base font-normal leading-6">Fires,</li> <li class="text-base font-normal leading-6">Vehicle theft,</li> <li class="text-base font-normal leading-6">Damage to car windows,</li> <li class="text-base font-normal leading-6">Acts of vandalism.</li> </ul> <h3 class="mb-[6px] text-[24px] font-bold leading-7">Collision coverage</h3> <div class="text-justify text-base font-normal leading-6">Collision coverage, meanwhile, covers the car owner, in the event of <strong class="font-semibold">collision for which he or she is responsible.</strong> </div> <div class="text-justify text-base font-normal leading-6">When an insured combines partial coverage and <a target="_self" class="font-semibold text-secondary transition-colors hover:text-secondary/80 hover:underline" href="/en/car-insurance/colision-damage">collision coverage</a>, this is known as <strong class="font-semibold">full coverage.</strong> The latter is generally required, when it comes to a leased vehicle. It allows the vehicle owner to be covered against a maximum number of situations, when the car is made available. </div> <div class="text-justify text-base font-normal leading-6">Moreover, many people choose this type of cover when the vehicle is purchased with a loan. Credit and car insurance actually go well together, to avoid having to pay a credit on a damaged vehicle. </div> <h3 class="mb-[6px] text-[24px] font-bold leading-7">Accident and breakdown assistance</h3>
10 <div class="text-justify text-base font-normal leading-6">It's also important to check whether the Swiss car insurance contract includes certain options such as <strong class="font-semibold">accident and breakdown assistance</strong>. Indeed, some low-cost contracts do not provide for this type of service. The vehicle owner may thus have to pay for towing the car, the cost of which can be significant. </div> <div class="text-justify text-base font-normal leading-6">A deductible may also be required to take advantage of this service. Careful reading of the contract therefore seems unavoidable, to anticipate all situations. </div> <h3 class="mb-[6px] text-[24px] font-bold leading-7">Occupants' insurance</h3> <div class="text-justify text-base font-normal leading-6"> Finally, the car insurance contract can come with what's known as occupants' insurance. This guarantees the vehicle owner against <strong class="font-semibold"> <a target="_self" class="font-semibold text-secondary transition-colors hover:text-secondary/80 hover:underline" href="/en/car-insurance/parking-damage">damage</a> that may be suffered by the car's occupants. </strong> </div> <div class="text-justify text-base font-normal leading-6">This coverage is superfluous, when the car only transports Swiss nationals. In fact, the latter are already insured, for this type of damage. On the other hand, if the car is required to carry foreigners, this coverage is relevant. </div> <div class="text-justify text-base font-normal leading-6">With regard to company vehicle insurance, for cab companies or public transport, underwriting is generally systematic. </div> <h2 data-article-title="true" class="mb-[6px] block text-[30px] font-bold leading-9 md:leading-[38px]">Swiss car insurance: what you need to know</h2> <div class="text-justify text-base font-normal leading-6">If you're looking for information on Swiss car insurance, here are a few things to know, before you take out. This may help you save money or choose the right cover. </div> <h3 class="mb-[6px] text-[24px] font-bold leading-7">Bonus and malus in Swiss car insurance</h3> <div class="text-justify text-base font-normal leading-6">The price of insurance in Switzerland is partly calculated according to the degree of <a target="_self" class="font-semibold text-secondary transition-colors hover:text-secondary/80 hover:underline" href="/en/car-insurance/bonus-malus">bonus</a> of the insured. Each <strong class="font-semibold">year of accident-free ownership of an insured vehicle</strong> effectively earns a bonus, which lowers the price of the basic premium. </div> <div class="text-justify text-base font-normal leading-6">There is also a malus system, if a claim is made. It's estimated that each time a claim is made, an insured will have to pay an average of 10% more for his or her insurance premium than before. </div> <div class="text-justify text-base font-normal leading-6">As you can see, there's every reason to be careful on the roads in Switzerland, to pay as little as possible for your car insurance. </div> <h3 class="mb-[6px] text-[24px] font-bold leading-7">The deductible system</h3> <div class="text-justify text-base font-normal leading-6">Depending on the damage caused or suffered, the insured may have to pay a share of the vehicle repairs or damages. This is known as the <strong class="font-semibold">franchise</strong>. </div> <div class="text-justify text-base font-normal leading-6">When choosing car insurance, it's useful to consult, for each type of claim, what the deductible to be paid by the insured might be. In general, the higher the deductible, the cheaper the insurance contract is for the insured. </div> <div class="text-justify text-base font-normal leading-6">There will therefore be a choice to make, between small monthly payments, and the possibility of having as little deductible as possible to pay in the event of a claim. </div> <h3 class="mb-[6px] text-[24px] font-bold leading-7">How is the cost of car insurance calculated?</h3>
10 <div class="text-justify text-base font-normal leading-6">The price of car insurance is calculated by the insurer according to:</div> <ul class="flex list-inside list-disc flex-col gap-0.5 pl-2.5 text-base font-normal marker:text-dark"> <li class="text-base font-normal leading-6">The insured and his/her <strong class="font-semibold">driver profile</strong>, </li> <li class="text-base font-normal leading-6">The type of vehicle, and the costs that may be incurred in the event of breakage, </li> <li class="text-base font-normal leading-6">The level of cover chosen by the insured,</li> <li class="text-base font-normal leading-6">An overall assessment of the chances of the risks covered occurring. </li> </ul> <div class="text-justify text-base font-normal leading-6">It is on the basis of a multifactorial analysis, therefore, that insurers are able to provide a quote for car insurance. Depending on the cover requested, some insurers may be cheaper than others, or offer more comprehensive cover. </div> <div class="text-justify text-base font-normal leading-6">It's also possible, for policyholders with a high malus, that <a target="_self" class="font-semibold text-secondary transition-colors hover:text-secondary/80 hover:underline" href="/en/car-insurance/companies">insurance companies</a> may refuse to offer a policy. </div> <h2 data-article-title="true" class="mb-[6px] block text-[30px] font-bold leading-9 md:leading-[38px]">How to find cheap car insurance in Switzerland</h2> <div class="text-justify text-base font-normal leading-6">The car insurance budget can be substantial for individuals. It is therefore legitimate to look for the cheapest car insurance in Switzerland. To do this, it's important to understand in detail, the elements taken into account by the insurer. There are also some <strong class="font-semibold">tips to finding the most attractive contract.</strong> </div> <h3 class="mb-[6px] text-[24px] font-bold leading-7">The insured's profile</h3> <div class="text-justify text-base font-normal leading-6">The study of the insured's profile often boils down to an analysis of the latter's bonus or malus. In particular, it involves assessing <strong class="font-semibold">whether the insured's behavior presents an additional risk</strong>, which could increase the chances of a claim. To find cheap car insurance in Switzerland, good behavior on the road is therefore a must. </div> <div class="text-justify text-base font-normal leading-6"> Furthermore, depending on the company, certain profiles may be offered more attractive contracts. Companies like AXA, for example, decide to support <a target="_self" class="font-semibold text-secondary transition-colors hover:text-secondary/80 hover:underline" href="/en/car-insurance/young-driver">young drivers</a> with affordable solutions. </div> <div class="text-justify text-base font-normal leading-6">The ideal solution is still to get several quotes to find out which insurer offers the most attractive package for your own profile. </div> <h3 class="mb-[6px] text-[24px] font-bold leading-7">The car insured</h3> <div class="text-justify text-base font-normal leading-6">The vehicle insured will also strongly impact the price of the insurance premium. First of all, the more expensive the vehicle, the higher the premium. There's a direct link between the cost of a vehicle and the <strong class="font-semibold">potential cost of repairs in the event of an accident.</strong> So it's only natural that this should be reflected in the contract. </div> <div class="text-justify text-base font-normal leading-6">Beyond the monetary value of the car, the insurer will also look at the cost of parts. As a general rule, European vehicles for which parts are easy to find thus cost less than vehicles from outside the European Union. Finally, the car's power and reliability are scrutinized by the insurer, who must once again measure the risk of a claim occurring. </div> <div class="text-justify text-base font-normal leading-6"> So you can simply choose a vehicle that will potentially be insured for cheap by the companies. What's more, it's important to point out that more and more insurance players are choosing to <strong class="font-semibold">value eco-friendly cars</strong>, running on electric power for example, through promotions on their rates. </div> <h3 class="mb-[6px] text-[24px] font-bold leading-7">Compare offers</h3>
10 <div class="text-justify text-base font-normal leading-6">Finding cheap vehicle insurance in Switzerland obviously involves comparing offers. It's useful to regularly challenge your contract, comparing it with what other insurers might offer. </div> <div class="text-justify text-base font-normal leading-6">Let's also remember that most of the time, to attract new customers, insurers offer <strong class="font-semibold">promotions for the first year of insurance.</strong> This can lead to valuable savings, by regularly changing company. </div> <h3 class="mb-[6px] text-[24px] font-bold leading-7">The level of cover</h3> <div class="text-justify text-base font-normal leading-6"> Finally, the level of cover can greatly vary the amount of premium to be paid to insure it. As mentioned above, <strong class="font-semibold">only third-party liability is really compulsory</strong> for insuring a personal vehicle. It is therefore possible to make do with it, to <a target="_self" class="font-semibold text-secondary transition-colors hover:text-secondary/80 hover:underline" href="/en/car-insurance/low-priced">pay as little as possible</a>. </div> <div class="text-justify text-base font-normal leading-6">If you have other needs, you can usually choose tailor-made insurance, with only the cover you need. </div> <div class="text-justify text-base font-normal leading-6">For example, occupants' insurance is often unnecessary, especially for the Swiss. It will therefore be possible to exclude it from the contract to pay less. </div> <h2 data-article-title="true" class="mb-[6px] block text-[30px] font-bold leading-9 md:leading-[38px]">How to choose car insurance</h2> <div class="text-justify text-base font-normal leading-6">There are a few tricks to choosing the right car insurance. It's not always a question of price. The options offered by the company also play an essential role in choosing a contract. </div> <h3 class="mb-[6px] text-[24px] font-bold leading-7">Get Swiss car insurance quotes</h3> <div class="text-justify text-base font-normal leading-6">Insurance quotes are free. So there's no limit to what you can do, when competing with insurers in Switzerland. As a private individual, you can therefore multiply your requests, to be able to compare the contracts offered to you. Remember that it's important to <strong class="font-semibold">compare offers by taking into account the quality of cover</strong> or even the deductible amounts that may be claimed in the event of a claim. </div> <div class="text-justify text-base font-normal leading-6">Calculating car insurance usually takes an insurer just a few minutes. From an individual's point of view, the process is pretty straightforward. The information to be provided is always the same. It concerns the insured's profile and the vehicle. </div> <h3 class="mb-[6px] text-[24px] font-bold leading-7">Getting car insurance quotes online</h3> <div class="text-justify text-base font-normal leading-6"> Previously, it was necessary to visit an agency to request a car insurance quote. Most companies now offer the ability to <strong class="font-semibold">effect a quote online,</strong> on their website. </div> <div class="text-justify text-base font-normal leading-6">This simplification of procedures makes it easier for individuals to consider <strong class="font-semibold">comparison of insurance</strong>, but also contract changes. </div> <div class="text-justify text-base font-normal leading-6">Most of the time, insurers offering online quotes are also those offering dematerialized underwriting and procedures. This saves precious time, not only when taking out a policy, but also when managing it. </div> <h3 class="mb-[6px] text-[24px] font-bold leading-7">The car insurance comparator</h3> <div class="text-justify text-base font-normal leading-6">Simulating car insurance has never been easier than with the advent of new technologies. There are in fact numerous <strong class="font-semibold">car insurance comparators</strong> available directly on the Internet. </div>
10 <div class="text-justify text-base font-normal leading-6">By entering a few details about the insured's profile and the vehicle to be insured, you can obtain the offers that could potentially be made by insurers. The solutions can be used to simply compare contracts, to understand the differences in coverage offered. </div> <div class="text-justify text-base font-normal leading-6">This is generally a preferred solution, to try and find the insurance best suited to one's needs, taking into account a price comparison. </div> <h2 data-article-title="true" class="mb-[6px] block text-[30px] font-bold leading-9 md:leading-[38px]">How to cancel your car insurance in Switzerland?</h2> <div class="text-justify text-base font-normal leading-6">To cancel your car insurance contract in Switzerland, you generally have to wait for one of the following events:</div> <ul class="flex list-inside list-disc flex-col gap-0.5 pl-2.5 text-base font-normal marker:text-dark"> <li class="text-base font-normal leading-6">The end of the contract,</li> <li class="text-base font-normal leading-6">The annual expiry of the contract,</li> <li class="text-base font-normal leading-6">The insurer's increase in premiums,</li> <li class="text-base font-normal leading-6">The occurrence of a claim,</li> <li class="text-base font-normal leading-6">The change or sale of the car,</li> <li class="text-base font-normal leading-6">The expiry of the contract after three years.</li> </ul> <div class="text-justify text-base font-normal leading-6"> <strong class="font-semibold">Cancelling vehicle insurance</strong> is fairly straightforward. Simply send a registered letter to the insurer, including the contract number, the insured's contact details and the reason for cancellation. The contract may stipulate a cancellation period. </div> <div class="text-justify text-base font-normal leading-6">More and more insurers are also offering dematerialized cancellation of insurance contracts. It may therefore be possible to carry out this procedure online, for even greater convenience. </div> <h2 data-article-title="true" class="mb-[6px] block text-[30px] font-bold leading-9 md:leading-[38px]">Top 5 best car insurance companies in Switzerland</h2> <div class="text-justify text-base font-normal leading-6"> Our team offers you a car insurance comparison. We've chosen to highlight the strengths of some of the most iconic companies on the market. Price isn't always the only argument. </div> <h3 class="mb-[6px] text-[24px] font-bold leading-7">Axa: cheap car insurance</h3> <div class="text-justify text-base font-normal leading-6"> AXA is one of the Swiss insurance companies offering <strong class="font-semibold">car insurance among the cheapest on the market.</strong> It was therefore obvious for us to highlight it, to enable those looking for cheap car insurance to be able to turn to this contact. </div> <div class="text-justify text-base font-normal leading-6">It will indeed be possible to find third-party liability for less than 40 Swiss francs. </div> <div class="text-justify text-base font-normal leading-6"> In general, contracts systematically include breakdown cover as well as the loan of a replacement vehicle. AXA is therefore considered to offer comprehensive solutions at very affordable rates. </div> <div class="text-justify text-base font-normal leading-6"> In addition, it remains possible to take out stronger cover, depending on the policyholder's needs. </div> <h3 class="mb-[6px] text-[24px] font-bold leading-7">Bonus protection by Helvetia</h3> <div class="text-justify text-base font-normal leading-6"> Helvetia is also one of the players offering contracts at <strong class="font-semibold">affordable rates.</strong> This is due in particular to this company's ability to offer attractive deals to new policyholders. For example, online underwriting can give <strong class="font-semibold">entitlement to a 10% discount on total premiums</strong> to be paid in the first year. </div> <div class="text-justify text-base font-normal leading-6">Among this insurance company's advantages is the possibility of taking advantage of bonus protection in the event of a claim. Policyholders declaring a claim within the year will therefore not have any malus applied. This option is particularly interesting for young drivers who have not yet accumulated a bonus. </div> <h3 class="mb-[6px] text-[24px] font-bold leading-7">Excellent cover with Allianz</h3>
10 <div class="text-justify text-base font-normal leading-6">Allianz is a model insurance company when it comes to comprehensive cover. While these rates are generally higher than AXA or Helvetica, there are attractive options. </div> <div class="text-justify text-base font-normal leading-6">The insured may, for example, choose <strong class="font-semibold">additional coverage in the event of an accident</strong> for which he or she is at fault. </div> <h3 class="mb-[6px] text-[24px] font-bold leading-7">La Mobilière's customer service</h3> <div class="text-justify text-base font-normal leading-6"> Comparis.ch regularly compares insurers' customer service ratings. When it comes to car insurance, La Mobilière is one of the top performers in the ranking. Indeed, it has a <strong class="font-semibold">score of 5.5 out of 6</strong>, positioning it at the top of the ranking in 2025. </div> <div class="text-justify text-base font-normal leading-6">According to the company's customers, the after-sales service is responsive, whether it's a question of taking out a new contract or dealing with a claim. </div> <h3 class="mb-[6px] text-[24px] font-bold leading-7">Smile: 100% online car insurance</h3> <div class="text-justify text-base font-normal leading-6"> Finally, we couldn't end this ranking without mentioning one of Switzerland's most iconic online insurers. Smile insurance, which seems to be on a mission to put a smile back on the faces of car insurance policyholders, offers <strong class="font-semibold">100% online forms.</strong> </div> <div class="text-justify text-base font-normal leading-6">In addition to simplifying the process, this means you benefit from better responsiveness in the event of administrative procedures. In addition, prices are more attractive, thanks to dematerialization, and the absence of certain costs, notably for the operation of physical branches. </div><div role="alert" class="relative w-full rounded-xl py-[14px] px-[24px] [&>svg~*]:pl-7 [&>svg+div]:translate-y-[-3px] [&>svg]:absolute [&>svg]:left-4 [&>svg]:top-4 bg-[#F6FAFB] !text-secondary [&>svg]:text-secondary"><div class="flex flex-col gap-0.5"><span class="text-lg font-bold tracking-[-0.36px]">To remember</span><div class="text-sm [&_p]:leading-relaxed">In Switzerland, third-party motor insurance is compulsory for all owners of motorized vehicles. This insurance covers any damage you may cause to third parties in the event of a road accident. It's important to note that comprehensive insurance, which covers damage to your own vehicle, is not compulsory in Switzerland, but may be recommended depending on your personal situation.</div></div></div> <div class="text-justify text-base font-normal leading-6"> <a target="_self" class="font-semibold text-secondary transition-colors hover:text-secondary/80 hover:underline" href="/en/car-insurance/mileage-insurance">Mileage insurance</a> </div> <div class="text-justify text-base font-normal leading-6"> <a target="_self" class="font-semibold text-secondary transition-colors hover:text-secondary/80 hover:underline" href="/en/car-insurance/camping-car">Camping insurancecar</a> </div> <div class="text-justify text-base font-normal leading-6"> <a target="_self" class="font-semibold text-secondary transition-colors hover:text-secondary/80 hover:underline" href="/en/car-insurance/driving-in-switzerland-foreigners-license">Driving in Switzerland with a foreign license</a> </div> <div class="text-justify text-base font-normal leading-6"> <a target="_self" class="font-semibold text-secondary transition-colors hover:text-secondary/80 hover:underline" href="/en/car-insurance/car-troubleshooting">Automobile breakdown insurance</a> </div> <div class="text-justify text-base font-normal leading-6"> <a target="_self" class="font-semibold text-secondary transition-colors hover:text-secondary/80 hover:underline" href="/en/car-insurance/insuring-used-car-documents">Documents to provide to insure a used vehicle</a> </div>
10 <div class="text-justify text-base font-normal leading-6"> <a target="_self" class="font-semibold text-secondary transition-colors hover:text-secondary/80 hover:underline" href="/en/car-insurance/parking-damage">Parking damage insurance</a> </div> <div class="text-justify text-base font-normal leading-6"> <a target="_self" class="font-semibold text-secondary transition-colors hover:text-secondary/80 hover:underline" href="/en/car-insurance/prestige-car">Prestige car insurance</a> </div> <div class="text-justify text-base font-normal leading-6"> <a target="_self" class="font-semibold text-secondary transition-colors hover:text-secondary/80 hover:underline" href="/en/car-insurance/brands">Car insurance by brand</a> </div> <div class="text-justify text-base font-normal leading-6"> <a target="_self" class="font-semibold text-secondary transition-colors hover:text-secondary/80 hover:underline" href="/en/car-insurance/license-plate">Swiss license plate</a> </div> <div class="text-justify text-base font-normal leading-6"> <a target="_self" class="font-semibold text-secondary transition-colors hover:text-secondary/80 hover:underline" href="/en/car-insurance/canceling">Cancellation car insurance car</a> </div> <div class="text-justify text-base font-normal leading-6"> <a target="_self" class="font-semibold text-secondary transition-colors hover:text-secondary/80 hover:underline" href="/en/car-insurance/utils">Commercial vehicle insurance</a> </div> <div class="text-justify text-base font-normal leading-6"> <a target="_self" class="font-semibold text-secondary transition-colors hover:text-secondary/80 hover:underline" href="/en/car-insurance/electric-car">Electric car insurance</a> </div> <div class="text-justify text-base font-normal leading-6"> <a target="_self" class="font-semibold text-secondary transition-colors hover:text-secondary/80 hover:underline" href="/en/car-insurance/license-free-car">Unlicensed car insurance</a> </div> <div class="text-justify text-base font-normal leading-6"></div><div class="flex flex-col items-center justify-center gap-7 rounded-[20px] bg-[#F9FAFD] px-6 py-[18px] md:flex-row md:justify-start"><img alt="Joffrey Maitre" loading="lazy" width="84" height="84" decoding="async" data-nimg="1" class="rounded-full border-2 border-primary object-cover" style="color:transparent" srcSet="/_next/image?url=%2Fagents%2Fjoffrey-maitre.png&w=96&q=75 1x, /_next/image?url=%2Fagents%2Fjoffrey-maitre.png&w=256&q=75 2x" src="/_next/image?url=%2Fagents%2Fjoffrey-maitre.png&w=256&q=75"/><div class="flex w-full flex-col"><span class="leading-[44px] tracking-[-0.32px]"><span class="font-semibold">Updated on:</span> <!-- -->01/02/2024</span><span class="leading-[22px] tracking-[-0.32px]"><span class="font-medium">Written by<!-- --> </span> <!-- -->Joffrey Maitre</span><span class="text-sm leading-5">Head of private provision department at Comparea</span><div class="my-[18px] h-[1px] w-full bg-secondary"></div><span class="text-base font-medium">To learn more about our team<!-- --> <a class="font-semibold text-primary hover:underline" href="/en/about-us">click here</a>.</span></div></div><div class="flex flex-col"><h3 class="text-2xl font-bold">On the same theme</h3><div class="mt-5 flex flex-col gap-[18px]"><a class="group flex items-center gap-2.5 hover:underline" href="/en/car-insurance/canceling"><div class="flex-shrink-0"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="text-primary transition-transform group-hover:-translate-y-1 group-hover:translate-x-1 "><path d="M17 7l-10 10"></path><path d="M8 7l9 0l0 9"></path></svg></div><span class="font-medium">Cancelling car insurance in Switzerland: the guide</span></a><a class="group flex items-center gap-2.5 hover:underline" href="/en/car-insurance/car-accident"><div class="flex-shrink-0"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="text-primary transition-transform group-hover:-translate-y-1 group-hover:translate-x-1 "><path d="M17 7l-10 10"></path><path d="M8 7l9 0l0 9"></path></svg></div><span class="font-medium">Car accidents and insurance in Switzerland: what you need to know</span></a><a class="group flex items-center gap-2.5 hover:underline" href="/en/car-insurance/utils"><div class="flex-shrink-0"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="text-primary transition-transform group-hover:-translate-y-1 group-hover:translate-x-1 "><path d="M17 7l-10 10"></path><path d="M8 7l9 0l0 9"></path></svg></div><span class="font-medium">Commercial vehicle insurance in Switzerland: what you need to know</span></a></div></div></div></div></div><div class="mx-auto flex w-full max-w-6xl items-center gap-16 px-4 py-[60px]"><div class="w-full"><h3 class="mb-2 block text-[34px] font-semibold leading-9 tracking-[-0.68px]">Frequently Asked Questions</h3><div class="w-full" itemscope="" itemType="http://schema.org/FAQPage" data-orientation="vertical"><div data-state="open" data-orientation="vertical" class="border-b" itemscope="" itemProp="mainEntity" itemType="http://schema.org/Question"><h3 data-orientation="vertical" data-state="open" class="flex"><button type="button" aria-controls="radix-:R2pfb6:" aria-expanded="true" data-state="open" data-orientation="vertical" id="radix-:Rpfb6:" class="flex flex-1 items-center justify-between pb-6 pt-6 text-left text-lg font-semibold transition-all hover:underline [&[data-state=open]>svg]:rotate-180 [&[data-state=open]]:pb-3" itemProp="name" data-radix-collection-item="">What cases are not covered by automobile insurance?<svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down h-4 w-4 shrink-0 text-secondary transition-transform duration-200"><path d="m6 9 6 6 6-6"></path></svg></button></h3><div data-state="open" id="radix-:R2pfb6:" role="region" aria-labelledby="radix-:Rpfb6:" data-orientation="vertical" class="overflow-hidden text-base font-normal text-grey transition-all data-[state=closed]:animate-accordion-up data-[state=open]:animate-accordion-down" itemscope="" itemProp="acceptedA
10nswer" itemType="http://schema.org/Answer" style="--radix-accordion-content-height:var(--radix-collapsible-content-height);--radix-accordion-content-width:var(--radix-collapsible-content-width)"><div class="pt-0 pb-0"><span itemProp="text" class="block pb-6">Not covered are damages or traffic accidents caused by you as a driver (non-exhaustive list):<ul class="flex list-inside list-disc flex-col gap-0.5 pl-2.5 text-base font-normal marker:text-dark"><li class="text-base font-normal leading-6">In a state of intoxication (blood alcohol level above the limit set by law),</li><li class="text-base font-normal leading-6">In a state of driving incapacity,</li><li class="text-base font-normal leading-6">Due to serious speeding</li><li class="text-base font-normal leading-6">In the absence of a driving license</li></ul>As well as non-accidental damages such as wear and tear on the vehicle.</span></div></div></div><div data-state="closed" data-orientation="vertical" class="border-b" itemscope="" itemProp="mainEntity" itemType="http://schema.org/Question"><h3 data-orientation="vertical" data-state="closed" class="flex"><button type="button" aria-controls="radix-:R39fb6:" aria-expanded="false" data-state="closed" data-orientation="vertical" id="radix-:R19fb6:" class="flex flex-1 items-center justify-between pb-6 pt-6 text-left text-lg font-semibold transition-all hover:underline [&[data-state=open]>svg]:rotate-180 [&[data-state=open]]:pb-3" itemProp="name" data-radix-collection-item="">What is a green card (international insurance) and where can I get one?<svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down h-4 w-4 shrink-0 text-secondary transition-transform duration-200"><path d="m6 9 6 6 6-6"></path></svg></button></h3><div data-state="closed" id="radix-:R39fb6:" role="region" aria-labelledby="radix-:R19fb6:" data-orientation="vertical" class="overflow-hidden text-base font-normal text-grey transition-all data-[state=closed]:animate-accordion-up data-[state=open]:animate-accordion-down" itemscope="" itemProp="acceptedAnswer" itemType="http://schema.org/Answer" style="--radix-accordion-content-height:var(--radix-collapsible-content-height);--radix-accordion-content-width:var(--radix-collapsible-content-width)"><div class="pt-0 pb-0"><span itemProp="text" hidden="" class="hidden">The international insurance card certifies that your vehicle is covered for third-party liability abroad. You can request it directly from your insurance company. This card is not mandatory in countries close to Switzerland.</span></div></div></div><div data-state="closed" data-orientation="vertical" class="border-b" itemscope="" itemProp="mainEntity" itemType="http://schema.org/Question"><h3 data-orientation="vertical" data-state="closed" class="flex"><button type="button" aria-controls="radix-:R3pfb6:" aria-expanded="false" data-state="closed" data-orientation="vertical" id="radix-:R1pfb6:" class="flex flex-1 items-center justify-between pb-6 pt-6 text-left text-lg font-semibold transition-all hover:underline [&[data-state=open]>svg]:rotate-180 [&[data-state=open]]:pb-3" itemProp="name" data-radix-collection-item="">What does parking damage/parked vehicles insurance cover?<svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down h-4 w-4 shrink-0 text-secondary transition-transform duration-200"><path d="m6 9 6 6 6-6"></path></svg></button></h3><div data-state="closed" id="radix-:R3pfb6:" role="region" aria-labelledby="radix-:R1pfb6:" data-orientation="vertical" class="overflow-hidden text-base font-normal text-grey transition-all data-[state=closed]:animate-accordion-up data-[state=open]:animate-accordion-down" itemscope="" itemProp="acceptedAnswer" itemType="http://schema.org/Answer" style="--radix-accordion-content-height:var(--radix-collapsible-content-height);--radix-accordion-content-width:var(--radix-collapsible-content-width)"><div class="pt-0 pb-0"><span itemProp="text" hidden="" class="hidden">Park damage insurance covers you in the event of damage to your parked vehicle if you can't find the perpetrator. 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Comparea lets you quickly compare car insurance policies to get the best cover at the best price. What could be simpler? In just one minute, enter your vehicle details and choose the best deal.\u003c/p\u003e\u003ch2\u003eLegal protection: a dedicated, high-performance and unique comparator!\u003c/h2\u003e\u003cp\u003eA dispute with your landlord? A disagreement with your employer? Unfortunately, legal costs can quickly escalate. Thanks to our legal protection comparator, you won't need to get lost among the thousands of offers available. Comparea will guide you towards the most attractive legal protection, according to your profile.\u003cbr/\u003eHow does our legal protection comparison tool work? It couldn't be simpler: in less than a minute, enter your needs and compare the various legal protection plans from a wide range of offers selected by our experts.\u003c/p\u003e\u003ch2\u003e3rd pillar: The reference comparator in Switzerland\u003c/h2\u003e\u003cp\u003e3rd pillar A or B? Tax deduction? Capital on retirement? All these questions remain unanswered. Comparea.ch provides you with a 3rd pillar offer comparator so that you can benefit from the best offers, whatever your investor profile and savings capacity. Don't get lost among the hundreds of sites dealing with the 3rd pillar, Comparea guides you from A to Z in your 3rd pillar procedures.\u003c/p\u003e\u003ch2\u003eComparea.ch: The comprehensive mortgage comparison tool\u003c/h2\u003e\u003cp\u003eDo you have a property project in mind? Looking to renew your mortgage? Comparea.ch provides you with information on all the key aspects of mortgages, and lets you benefit directly from the best mortgage rates thanks to our dedicated mortgage comparator.\u003c/p\u003e"},"highlight":{"item_1":{"title":"91% of our users","subtitle":"recommend us"},"item_2":{"title":"180,000+ users","subtitle":"trust us"},"item_3":{"title":"100% Free","subtitle":"and without obligation"}},"pages/assurance-voiture":{"title":"Find the best insurance for your car","item_1":"Compare from the widest range of insurers in Switzerland","item_2":"Save up to 25% by comparing your car insurance!","select_label":"How old are you?","select_you":"18 to 30 years old","select_child":"Over 30 years","action":"Compare offers","breadcrumb":"Car insurance","quick_access":{"item_1":"Young driver insurance","item_2":"Prestige car insurance","item_3":"Electric car insurance"},"seo":{"title":"Car Insurance Switzerland | Comparea.ch","description":"Find out more about car insurance in Switzerland, to better understand the contracts available to you and choose the best cover."},"faq":{"item_1":{"question":"What cases are not covered by automobile insurance?","answer":"Not covered are damages or traffic accidents caused by you as a driver (non-exhaustive list):\u003cul\u003e\u003cli\u003eIn a state of intoxication (blood alcohol level above the limit set by law),\u003c/li\u003e\u003cli\u003eIn a state of driving incapacity,\u003c/li\u003e\u003cli\u003eDue to serious speeding\u003c/li\u003e\u003cli\u003eIn the absence of a driving license\u003c/li\u003e\u003c/ul\u003eAs well as non-accidental damages such as wear and tear on the vehicle."},"item_2":{"question":"What is a green card (international insurance) and where can I get one?","answer":"The international insurance card certifies that your vehicle is covered for third-party liability abroad. You can request it directly from your insurance company. This card is not mandatory in countries close to Switzerland."},"item_3":{"question":"What does parking damage/parked vehicles insurance cover?","answer":"Park damage insurance covers you in the event of damage to your parked vehicle if you can't find the perpetrator. This is additional coverage that can be added to your contract."}},"heroLabel":"Make of vehicle to be insured :","articleTitle":"All about car insurance","articles":"\u003cp\u003eSwiss car insurance has a few special features. Some coverages, for example, are compulsory. Our team takes you on a tour of the country's vehicle insurance features. We also reveal some invaluable tips, to \u003cb\u003efind the best possible contract.\u003c/b\u003e While for some comparing prices is absolutely essential, for others, the quality of customer service or guarantees takes precedence. \u003c/p\u003e \u003ch2\u003eLevels of car insurance in Switzerland\u003c/h2\u003e \u003cp\u003eIn Switzerland, it's compulsory to have car insurance, whenever you plan to travel with a vehicle. Whether it's your own vehicle or a leased one, certain coverages are a must. \u003c/p\u003e \u003ch3\u003eThird party liability\u003c/h3\u003e \u003cp\u003e \u003clinktoRC\u003eThird party liability\u003c/linktoRC\u003e is the \u003cb\u003eonly compulsory insurance\u003c/b\u003e when owning a personal vehicle in Switzerland. This covers property damage and personal injury caused by the vehicle to third parties. \u003c/p\u003e \u003cp\u003eIn other words, if the insured's vehicle collides with that of another road user, it is thanks to the latter that \u003cb\u003ethe victim will receive compensation\u003c/b\u003e up to the amount of the damage suffered. This may include reimbursement for repairs to the car, or the payment of damages. \u003c/p\u003e \u003cp\u003eBeware, most contracts mention a maximum sum guaranteed. It's important to consult it, to assess whether it's sufficient, in the event of an accident. Most insurance companies offer coverage up to 100 million Swiss francs. \u003c/p\u003e \u003ch3\u003ePartial cover\u003c/h3\u003e \u003cp\u003e Partial cover is not compulsory. It enables the vehicle owner to insure himself, against \u003cb\u003edamage that may be caused by external
10causes.\u003c/b\u003e These are situations that cannot be covered by the civil liability of other road users. Among the situations covered are:\u003c/p\u003e \u003cul\u003e \u003cli\u003eCollisions with animals,\u003c/li\u003e \u003cli\u003eDamage caused by nature, particularly bad weather,\u003c/li\u003e \u003cli\u003eFires,\u003c/li\u003e \u003cli\u003eVehicle theft,\u003c/li\u003e \u003cli\u003eDamage to car windows,\u003c/li\u003e \u003cli\u003eActs of vandalism.\u003c/li\u003e \u003c/ul\u003e \u003ch3\u003eCollision coverage\u003c/h3\u003e \u003cp\u003eCollision coverage, meanwhile, covers the car owner, in the event of \u003cb\u003ecollision for which he or she is responsible.\u003c/b\u003e \u003c/p\u003e \u003cp\u003eWhen an insured combines partial coverage and \u003clinktoCollision\u003ecollision coverage\u003c/linktoCollision\u003e, this is known as \u003cb\u003efull coverage.\u003c/b\u003e The latter is generally required, when it comes to a leased vehicle. It allows the vehicle owner to be covered against a maximum number of situations, when the car is made available. \u003c/p\u003e \u003cp\u003eMoreover, many people choose this type of cover when the vehicle is purchased with a loan. Credit and car insurance actually go well together, to avoid having to pay a credit on a damaged vehicle. \u003c/p\u003e \u003ch3\u003eAccident and breakdown assistance\u003c/h3\u003e \u003cp\u003eIt's also important to check whether the Swiss car insurance contract includes certain options such as \u003cb\u003eaccident and breakdown assistance\u003c/b\u003e. Indeed, some low-cost contracts do not provide for this type of service. The vehicle owner may thus have to pay for towing the car, the cost of which can be significant. \u003c/p\u003e \u003cp\u003eA deductible may also be required to take advantage of this service. Careful reading of the contract therefore seems unavoidable, to anticipate all situations. \u003c/p\u003e \u003ch3\u003eOccupants' insurance\u003c/h3\u003e \u003cp\u003e Finally, the car insurance contract can come with what's known as occupants' insurance. This guarantees the vehicle owner against \u003cb\u003e \u003clinktoParkDamage\u003edamage\u003c/linktoParkDamage\u003e that may be suffered by the car's occupants. \u003c/b\u003e \u003c/p\u003e \u003cp\u003eThis coverage is superfluous, when the car only transports Swiss nationals. In fact, the latter are already insured, for this type of damage. On the other hand, if the car is required to carry foreigners, this coverage is relevant. \u003c/p\u003e \u003cp\u003eWith regard to company vehicle insurance, for cab companies or public transport, underwriting is generally systematic. \u003c/p\u003e \u003ch2\u003eSwiss car insurance: what you need to know\u003c/h2\u003e \u003cp\u003eIf you're looking for information on Swiss car insurance, here are a few things to know, before you take out. This may help you save money or choose the right cover. \u003c/p\u003e \u003ch3\u003eBonus and malus in Swiss car insurance\u003c/h3\u003e \u003cp\u003eThe price of insurance in Switzerland is partly calculated according to the degree of \u003clinktoBonus\u003ebonus\u003c/linktoBonus\u003e of the insured. Each \u003cb\u003eyear of accident-free ownership of an insured vehicle\u003c/b\u003e effectively earns a bonus, which lowers the price of the basic premium. \u003c/p\u003e \u003cp\u003eThere is also a malus system, if a claim is made. It's estimated that each time a claim is made, an insured will have to pay an average of 10% more for his or her insurance premium than before. \u003c/p\u003e \u003cp\u003eAs you can see, there's every reason to be careful on the roads in Switzerland, to pay as little as possible for your car insurance. \u003c/p\u003e \u003ch3\u003eThe deductible system\u003c/h3\u003e \u003cp\u003eDepending on the damage caused or suffered, the insured may have to pay a share of the vehicle repairs or damages. This is known as the \u003cb\u003efranchise\u003c/b\u003e. \u003c/p\u003e \u003cp\u003eWhen choosing car insurance, it's useful to consult, for each type of claim, what the deductible to be paid by the insured might be. In general, the higher the deductible, the cheaper the insurance contract is for the insured. \u003c/p\u003e \u003cp\u003eThere will therefore be a choice to make, between small monthly payments, and the possibility of having as little deductible as possible to pay in the event of a claim. \u003c/p\u003e \u003ch3\u003eHow is the cost of car insurance calculated?\u003c/h3\u003e \u003cp\u003eThe price of car insurance is calculated by the insurer according to:\u003c/p\u003e \u003cul\u003e \u003cli\u003eThe insured and his/her \u003cb\u003edriver profile\u003c/b\u003e, \u003c/li\u003e \u003cli\u003eThe type of vehicle, and the costs that may be incurred in the event of breakage, \u003c/li\u003e \u003cli\u003eThe level of cover chosen by the insured,\u003c/li\u003e \u003cli\u003eAn overall assessment of the chances of the risks covered occurring. \u003c/li\u003e \u003c/ul\u003e \u003cp\u003eIt is on the basis of a multifactorial analysis, therefore, that insurers are able to provide a quote for car insurance. Depending on the cover requested, some insurers may be cheaper than others, or offer more comprehensive cover. \u003c/p\u003e \u003cp\u003eIt's also possible, for policyholders with a high malus, that \u003clinktoCompagnies\u003einsurance companies\u003c/linktoCompagnies\u003e may refuse to offer a policy. \u003c/p\u003e \u003ch2\u003eHow to find cheap car insurance in Switzerland\u003c/h2\u003e \u003cp\u003eThe car insurance budget can be substantial for individuals. It is therefore legitimate to look for the cheapest car insurance in Switzerland. To do this, it's important to understand in detail, the elements taken into account by the insurer. There are also some \u003cb\u003etips to finding the most attractive contract.\u003c/b\u003e \u003c/p\u003e \u003ch3\u003eThe insured's profile\u003c/h3\u003e \u003cp\u003eThe study of the insured's profile often boils down to an analysis of the latter's bonus or malus. In particular, it involves assessing \u003cb\u003ewhether the insured's behavior presents an additional risk\u003c/b\u003e, which could increase the chances of a claim. To find cheap car insurance in Switzerland, good behavior on the road is therefore a must. \u003c/p\u003e \u003cp\u003e Furthermore, depending on the company, certain profiles may be offered more attractive contracts. Companies like AXA, for example, decide to supp
10ort \u003clinktoYoung\u003eyoung drivers\u003c/linktoYoung\u003e with affordable solutions. \u003c/p\u003e \u003cp\u003eThe ideal solution is still to get several quotes to find out which insurer offers the most attractive package for your own profile. \u003c/p\u003e \u003ch3\u003eThe car insured\u003c/h3\u003e \u003cp\u003eThe vehicle insured will also strongly impact the price of the insurance premium. First of all, the more expensive the vehicle, the higher the premium. There's a direct link between the cost of a vehicle and the \u003cb\u003epotential cost of repairs in the event of an accident.\u003c/b\u003e So it's only natural that this should be reflected in the contract. \u003c/p\u003e \u003cp\u003eBeyond the monetary value of the car, the insurer will also look at the cost of parts. As a general rule, European vehicles for which parts are easy to find thus cost less than vehicles from outside the European Union. Finally, the car's power and reliability are scrutinized by the insurer, who must once again measure the risk of a claim occurring. \u003c/p\u003e \u003cp\u003e So you can simply choose a vehicle that will potentially be insured for cheap by the companies. What's more, it's important to point out that more and more insurance players are choosing to \u003cb\u003evalue eco-friendly cars\u003c/b\u003e, running on electric power for example, through promotions on their rates. \u003c/p\u003e \u003ch3\u003eCompare offers\u003c/h3\u003e \u003cp\u003eFinding cheap vehicle insurance in Switzerland obviously involves comparing offers. It's useful to regularly challenge your contract, comparing it with what other insurers might offer. \u003c/p\u003e \u003cp\u003eLet's also remember that most of the time, to attract new customers, insurers offer \u003cb\u003epromotions for the first year of insurance.\u003c/b\u003e This can lead to valuable savings, by regularly changing company. \u003c/p\u003e \u003ch3\u003eThe level of cover\u003c/h3\u003e \u003cp\u003e Finally, the level of cover can greatly vary the amount of premium to be paid to insure it. As mentioned above, \u003cb\u003eonly third-party liability is really compulsory\u003c/b\u003e for insuring a personal vehicle. It is therefore possible to make do with it, to \u003clinktoCheap\u003epay as little as possible\u003c/linktoCheap\u003e. \u003c/p\u003e \u003cp\u003eIf you have other needs, you can usually choose tailor-made insurance, with only the cover you need. \u003c/p\u003e \u003cp\u003eFor example, occupants' insurance is often unnecessary, especially for the Swiss. It will therefore be possible to exclude it from the contract to pay less. \u003c/p\u003e \u003ch2\u003eHow to choose car insurance\u003c/h2\u003e \u003cp\u003eThere are a few tricks to choosing the right car insurance. It's not always a question of price. The options offered by the company also play an essential role in choosing a contract. \u003c/p\u003e \u003ch3\u003eGet Swiss car insurance quotes\u003c/h3\u003e \u003cp\u003eInsurance quotes are free. So there's no limit to what you can do, when competing with insurers in Switzerland. As a private individual, you can therefore multiply your requests, to be able to compare the contracts offered to you. Remember that it's important to \u003cb\u003ecompare offers by taking into account the quality of cover\u003c/b\u003e or even the deductible amounts that may be claimed in the event of a claim. \u003c/p\u003e \u003cp\u003eCalculating car insurance usually takes an insurer just a few minutes. From an individual's point of view, the process is pretty straightforward. The information to be provided is always the same. It concerns the insured's profile and the vehicle. \u003c/p\u003e \u003ch3\u003eGetting car insurance quotes online\u003c/h3\u003e \u003cp\u003e Previously, it was necessary to visit an agency to request a car insurance quote. Most companies now offer the ability to \u003cb\u003eeffect a quote online,\u003c/b\u003e on their website. \u003c/p\u003e \u003cp\u003eThis simplification of procedures makes it easier for individuals to consider \u003cb\u003ecomparison of insurance\u003c/b\u003e, but also contract changes. \u003c/p\u003e \u003cp\u003eMost of the time, insurers offering online quotes are also those offering dematerialized underwriting and procedures. This saves precious time, not only when taking out a policy, but also when managing it. \u003c/p\u003e \u003ch3\u003eThe car insurance comparator\u003c/h3\u003e \u003cp\u003eSimulating car insurance has never been easier than with the advent of new technologies. There are in fact numerous \u003cb\u003ecar insurance comparators\u003c/b\u003e available directly on the Internet. \u003c/p\u003e \u003cp\u003eBy entering a few details about the insured's profile and the vehicle to be insured, you can obtain the offers that could potentially be made by insurers. The solutions can be used to simply compare contracts, to understand the differences in coverage offered. \u003c/p\u003e \u003cp\u003eThis is generally a preferred solution, to try and find the insurance best suited to one's needs, taking into account a price comparison. \u003c/p\u003e \u003ch2\u003eHow to cancel your car insurance in Switzerland?\u003c/h2\u003e \u003cp\u003eTo cancel your car insurance contract in Switzerland, you generally have to wait for one of the following events:\u003c/p\u003e \u003cul\u003e \u003cli\u003eThe end of the contract,\u003c/li\u003e \u003cli\u003eThe annual expiry of the contract,\u003c/li\u003e \u003cli\u003eThe insurer's increase in premiums,\u003c/li\u003e \u003cli\u003eThe occurrence of a claim,\u003c/li\u003e \u003cli\u003eThe change or sale of the car,\u003c/li\u003e \u003cli\u003eThe expiry of the contract after three years.\u003c/li\u003e \u003c/ul\u003e \u003cp\u003e \u003cb\u003eCancelling vehicle insurance\u003c/b\u003e is fairly straightforward. Simply send a registered letter to the insurer, including the contract number, the insured's contact details and the reason for cancellation. The contract may stipulate a cancellation period. \u003c/p\u003e \u003cp\u003eMore and more insurers are also offering dematerialized cancellation of insurance contracts. It may therefore be possible to carry out this procedure online, for even greater convenience. \u003c/p\u003e \u003ch2\u003eTop 5 best car insurance companies in Switzerland\u003c/h2\u003e \u003cp\u003e Our team offers you a car insurance comparison. We've chosen to highlight the strengths of some of the most iconic companies on the market. Price isn't always the only argument. \u003c/p\u003e \u003ch3\u003eAxa: cheap car insurance\u003c/h3\u003e \u003cp\u003e AXA is one of the Swiss insurance companies offering \u003cb\u003ecar insurance among the cheapest on the market.\u003c/b\u003e It was therefore obvious for us to highlight it, to enable those looking for cheap car insurance to be able to turn to this contact. \u003c/p\u003e \u003cp\u003eIt will indeed be possible to find third-party liability for less than 40 Swiss francs. \u003c/p\u003e \u003cp\u003e In general, contracts systematically include breakdown cover as well as the loan of a replacement vehicle. AXA is therefore considered to offer comprehensive solutions at very affordable rates. \u003c/p\u003e \u003cp\u003e In addition, it remains possible to take out stronger cover, depending on the policyholder'
10s needs. \u003c/p\u003e \u003ch3\u003eBonus protection by Helvetia\u003c/h3\u003e \u003cp\u003e Helvetia is also one of the players offering contracts at \u003cb\u003eaffordable rates.\u003c/b\u003e This is due in particular to this company's ability to offer attractive deals to new policyholders. For example, online underwriting can give \u003cb\u003eentitlement to a 10% discount on total premiums\u003c/b\u003e to be paid in the first year. \u003c/p\u003e \u003cp\u003eAmong this insurance company's advantages is the possibility of taking advantage of bonus protection in the event of a claim. Policyholders declaring a claim within the year will therefore not have any malus applied. This option is particularly interesting for young drivers who have not yet accumulated a bonus. \u003c/p\u003e \u003ch3\u003eExcellent cover with Allianz\u003c/h3\u003e \u003cp\u003eAllianz is a model insurance company when it comes to comprehensive cover. While these rates are generally higher than AXA or Helvetica, there are attractive options. \u003c/p\u003e \u003cp\u003eThe insured may, for example, choose \u003cb\u003eadditional coverage in the event of an accident\u003c/b\u003e for which he or she is at fault. \u003c/p\u003e \u003ch3\u003eLa Mobilière's customer service\u003c/h3\u003e \u003cp\u003e Comparis.ch regularly compares insurers' customer service ratings. When it comes to car insurance, La Mobilière is one of the top performers in the ranking. Indeed, it has a \u003cb\u003escore of 5.5 out of 6\u003c/b\u003e, positioning it at the top of the ranking in 2025. \u003c/p\u003e \u003cp\u003eAccording to the company's customers, the after-sales service is responsive, whether it's a question of taking out a new contract or dealing with a claim. \u003c/p\u003e \u003ch3\u003eSmile: 100% online car insurance\u003c/h3\u003e \u003cp\u003e Finally, we couldn't end this ranking without mentioning one of Switzerland's most iconic online insurers. Smile insurance, which seems to be on a mission to put a smile back on the faces of car insurance policyholders, offers \u003cb\u003e100% online forms.\u003c/b\u003e \u003c/p\u003e \u003cp\u003eIn addition to simplifying the process, this means you benefit from better responsiveness in the event of administrative procedures. In addition, prices are more attractive, thanks to dematerialization, and the absence of certain costs, notably for the operation of physical branches. \u003c/p\u003e\u003csuccess\u003eIn Switzerland, third-party motor insurance is compulsory for all owners of motorized vehicles. This insurance covers any damage you may cause to third parties in the event of a road accident. It's important to note that comprehensive insurance, which covers damage to your own vehicle, is not compulsory in Switzerland, but may be recommended depending on your personal situation.\u003c/success\u003e \u003cp\u003e \u003clinktoKM\u003eMileage insurance\u003c/linktoKM\u003e \u003c/p\u003e \u003cp\u003e \u003clinktoCC\u003eCamping insurancecar\u003c/linktoCC\u003e \u003c/p\u003e \u003cp\u003e \u003clinktoLicense\u003eDriving in Switzerland with a foreign license\u003c/linktoLicense\u003e \u003c/p\u003e \u003cp\u003e \u003clinktoRepair\u003eAutomobile breakdown insurance\u003c/linktoRepair\u003e \u003c/p\u003e \u003cp\u003e \u003clinktodoc\u003eDocuments to provide to insure a used vehicle\u003c/linktodoc\u003e \u003c/p\u003e \u003cp\u003e \u003clinktoParkDamage\u003eParking damage insurance\u003c/linktoParkDamage\u003e \u003c/p\u003e \u003cp\u003e \u003clinktoPrestige\u003ePrestige car insurance\u003c/linktoPrestige\u003e \u003c/p\u003e \u003cp\u003e \u003clinktoBrands\u003eCar insurance by brand\u003c/linktoBrands\u003e \u003c/p\u003e \u003cp\u003e \u003clinktoLicensePlate\u003eSwiss license plate\u003c/linktoLicensePlate\u003e \u003c/p\u003e \u003cp\u003e \u003clinktoResil\u003eCancellation car insurance car\u003c/linktoResil\u003e \u003c/p\u003e \u003cp\u003e \u003clinktoUtil\u003eCommercial vehicle insurance\u003c/linktoUtil\u003e \u003c/p\u003e \u003cp\u003e \u003clinktoElec\u003eElectric car insurance\u003c/linktoElec\u003e \u003c/p\u003e \u003cp\u003e \u003clinktoSP\u003eUnlicensed car insurance\u003c/linktoSP\u003e \u003c/p\u003e \u003cp\u003e"}},"fr":{"common":{"google_review":"940+ avis clients sur Google","quick_access":"Accès rapide","click_here":"cliquez ici","month":"mois","other":"autre","suscribe_online":"Souscrire en ligne","compare_offer":"Comparer les offres","select_label_maladie":"Qui souhaitez-vous assurer ?","select_label_voiture":"Que souhaitez-vous assurer ?","select_label_pilier":"Quel est votre âge ?","select_label_hypotheque":"Quel est votre projet ?","select_18_30":"De 18 à 30 ans","select_30_+":"Plus de 30 ans","select_you":"Vous","select_child":"Vous et vos enfans","select_couple":"Vous et votre conjoint","select_family":"Vous, votre conjoint et vos enfants","select_achat":"Acquérir un bien immobilier","select_renouveler":"Renouveler mon hypothèque","my_vehicule":"Mon véhicule actuel","future_vehicule":"Le véhicule que je souhaite achter","default_page_action":"Comparer gratuitement","no_result":"Aucun résultat","highlightTitle":"3 raisons de choisir Comparea","translate":"Traduit depuis le français","alert":{"info":"Bon à savoir","danger":"Attention","success":"à retenir"},"agents":{"alexis_milon":{"role":"Responsable du département assurance maladie chez Comparea."},"antoine_leger":{"role":"Responsable du département assurance non-vie chez Comparea."},"joffrey_maitre":{"role":"Responsable du pôle prévoyance privée chez Comparea"},"valery_chantepy":{"role":"Responsable du pôle hypothécaire chez Comparea"},"updatedOn":"Mise à jour le :","writtenBy":"Ãcrit par","readMore":"Pour en savoir plus sur notre équipe"},"actualite":{"title":"Actualités sur l'assurance"},"faq":{"common_question":"Questions les plus fréquentes"},"footer":{"avis":{"title":"Nos 940+ avis clients nous donnent une note de 5/5.","link":"(Voir les avis)","desc":"Comparateur dâassurances, finance \u
100026 immobilier. 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Nos agents, présents au sein de nos trois agences sont disponible pour vous répondre, vous guider et vos conseiller sur lâintégralité de votre portefeuille dâassurances.\u003cbr/\u003eCâest comme cela que Comparea se positionne en tant que comparateur dâassurances indépendant et permet ainsi chaque jour à plus de 3'000 utilisateurs, dâéconomiser sur leurs assurances.\u003c/p\u003e\u003ch2\u003eUn comparateur dâassurance maladie rapide, efficace et transparent\u003c/h2\u003e\u003cp\u003ePensez-vous être suffisamment couvert en cas de soucis de santé ? Avez-vous besoin de changer vos lunettes ? Une opération dentaire de prévue ? Les frais médicaux peuvent rapidement grimper. Comparea vous propose en quelques minutes, en renseignant précisément vos besoins, de comparer des centaines dâoffres dâassurance maladie de base afin de bénéficier chaque année, du meilleur tarif. En savoir plus ? \u003cmutuelleSanteInlineLink\u003eComparez les offres avec notre comparateur d'assurance maladie 2026\u003c/mutuelleSanteInlineLink\u003e.\u003cbr/\u003eComment cela fonctionne ? Grâce à un algorithme dédié, Comparea analyse précisément vos besoins et recherche la meilleure assurance maladie parmi des centaines dâoffres.\u003c/p\u003e\u003ch2\u003eEn moins de 3 minutes, plus de 150 offres dâassurances complémentaires comparées\u003c/h2\u003e\u003cp\u003ePerdu parmi les centaines dâoffres dâassurances maladies complémentaires ? Comparea vous met à disposition un large panel dâoffres dâassurances complémentaires afin de profiter dâun comparateur dédié centré sur vos besoins. Des besoins médicaux particuliers ? Notre comparateur dâassurances complémentaire se charge de tout, renseignez vos besoins et comparez les offres à des prix défiants toute concurrence.\u003c/p\u003e\u003ch2\u003eLes assurances de vos véhicules\u003c/h2\u003e\u003cp\u003eVotre voiture reste votre meilleur compagnon dans la vie de tous les jours. Mais quâen est-t-il en cas de sinistre ? Ãtes-vous sûr dâêtre correctement couvert ? Une bonne couverture auto ne rime pas forcément avec prime élevée. Comparea vous permet de comparer rapidement les assurances auto afin de bénéficier des meilleures couvertures dâassurance auto, au meilleur prix. Quoi de plus simple ? En une minutes, saisissez les informations de votre véhicule et choisissez la meilleure offre.\u003c/p\u003e\u003ch2\u003eProtection juridique : Un comparateur dédié, performant et unique !\u003c/h2\u003e\u003cp\u003eUn litige avec votre bailleur ? Un désaccord avec votre employeur ? Les frais de justice peuvent malheureusement vite grimper. 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Comparea.ch vous renseigne sur lâintégralité des points clés de lâhypothèque et vous permet de bénéficier en direct, des meilleurs taux hypothécaires grâce au comparateur hypothécaire dédié.\u003c/p\u003e"},"highlight":{"item_1":{"title":"91% de nos utilisateurs","subtitle":"nous recommandent"},"item_2":{"title":"180 000+ utilisateurs","subtitle":"nous font confiance"},"item_3":{"title":"100% Gratuit","subtitle":"et sans engagement"}},"pages/assurance-voiture":{"title":"Trouvez la meilleure assurance pour votre voiture","item_1":"Comparez parmi le plus large panel d'assureurs de Suisse","item_2":"Jusquâà 25% d'économies réalisées en comparant votre assurance voiture !","select_label":"Quel est votre âge ?","select_you":"de 18 à 30 ans","select_child":"Plus de 30 ans","action":"Comparer les offres","breadcrumb":"Assurance voiture","quick_access":{"item_1":"Assurance jeunes conducteurs","item_2":"Assurance voiture de prestige","item_3":"Assurance voitures éléctriques"},"seo":{"title":"Assurance Voiture Suisse | Comparea.ch","description":"Découvrez l'assurance de voiture en Suisse, pour mieux comprendre les contrats qui vous sont proposés et choisir les meilleures garanties."},"faq":{"item_1":{"question":"Quels cas ne sont pas couverts par lâassurance automobile ?","answer":"Ne sont pas couverts les dommages ou les accidents de la circulation que vous avez causés en tant que conductrice ou conducteur (liste non exhaustive) :\u003cul\u003e\u003cli\u003eEn état d'ébriété (taux d'alcoolémie supérieur à la limite fixée par la loi),\u003c/li\u003e\u003cli\u003eEn état d'incapacité de conduire,\u003c/li\u003e\u003cli\u003eEn raison d'un grave excès de vitesse\u003c/li\u003e\u003cli\u003eEn l'absence de permis de conduire\u003c/li\u003e\u003c/ul\u003eAinsi que les dommages sans caractère accidentel tels que l'usure du véhicule."},"item_2":{"question":"Quâest-ce quâune carte verte (assurance internationale) et où peut-on lâobtenir ?","answer":"La carte internationale d'assurance atteste, à l'étranger, que votre véhicule est couvert en responsabilité civile. Vous pouvez la demander directement à votre compagnie d'assurance. Cette carte n'est pas obligatoire dans les pays proches de la Suisse."},"item_3":{"question":"Que couvre lâassurance dommages de parcage/véhicules parqués ?","answer":"L'assurance dommages de parc vous couvre dans le cas d'un dommage sur votre véhicule stationné sir vous ne trouvez pas l'auteur ou l'autrice du dommage. Il s'agit d'une couverture supplémentaire qui peut être ajouté à votre contrat."}},"heroLabel":"Marque du véhicule à assurer :","articleTitle":"Tout comprendre sur l'assurance voiture","articles":"\u003cp\u003e L'assurance voiture Suisse présente quelques particularités. Certaines garanties sont par exemple obligatoires. Notre équipe vous emmène à la découverte des caractéristiques de l'assurance de véhicule dans le pays. Nous vous révélons aussi quelques précieuses astuces, pour \u003cb\u003e trouver le meilleur contrat possible.\u003c/b\u003e Si pour certains la comparaison des prix est absolument indispensable, pour d'autres, la qualité du service client ou des garanties priment largement. \u003c/p\u003e \u003ch2\u003eLes niveaux dâassurance auto en Suisse\u003c/h2\u003e \u003cp\u003e En Suisse, il est obligatoire de disposer d'une assurance auto, dès lors que l'on prévoit de se déplacer avec un véhicule. Qu'il s'agisse d'un véhicule personnel ou d'un véhicule en location, certaines garanties sont incontournables. \u003c/p\u003e \u003ch3\u003eLa responsabilité civile\u003c/h3\u003e \u003cp\u003e \u003clinktoRC\u003eLa responsabilité civile\u003c/linktoRC\u003e est la \u003cb\u003eseule assurance obligatoire\u003c/b\u003e quand on possède un véhicule personnel en Suisse. Cette garantie couvre les dégâts matériels et corporels causés par le véhicule à des tiers. \u003c/p\u003e \u003cp\u003e En d'autres termes, si le véhicule de l'assuré percute celui d'un autre usager de la route, c'est grâce à cette dernière que \u003cb\u003ela victime recevra une indemnisation\u003c/b\u003e à hauteur des préjudices subis. Cela peut comprendre le remboursement des réparations de la voiture ou encore le versement de dommages et intérêts. \u003c/p\u003e \u003cp\u003e Attention, la plupart des contrats font mention d'une somme maximum garantie. Il est important de la consulter, pour évaluer si cette dernière est suffisante, en cas d'accident. La plupart des compagnies d'assurance proposent une couverture à hauteur de 100 millions de francs suisses. \u003c/p\u003e \u003ch3\u003eLa casco partielle\u003c/h3\u003e \u003cp\u003e La casco partiel est une assurance qui n'est pas obligatoire. Elle permet au propriétaire du véhicule de se garantir, contre les \u003cb\u003edégâts pouvant être causés par des causes externes.\u003c/b\u003e Ce sont les situations qui ne peuvent pas être c
10ouvertes par la responsabilité civile des autres usagers de la route. Parmi les situations couvertes, on peut retrouver : \u003c/p\u003e \u003cul\u003e \u003cli\u003eLes collisions avec les animaux,\u003c/li\u003e \u003cli\u003e Les dommages causés par la nature, et notamment les intempéries, \u003c/li\u003e \u003cli\u003eLes incendies,\u003c/li\u003e \u003cli\u003eLe vol de véhicule,\u003c/li\u003e \u003cli\u003eLes dommages sur les fenêtres de la voiture,\u003c/li\u003e \u003cli\u003eLes actes de vandalisme.\u003c/li\u003e \u003c/ul\u003e \u003ch3\u003eLa casco collision\u003c/h3\u003e \u003cp\u003e La casco collision permet quant à elle de couvrir le propriétaire de la voiture, en cas de \u003cb\u003ecollision dont il serait responsable.\u003c/b\u003e \u003c/p\u003e \u003cp\u003e Quand un assuré cumule la casco partielle et la \u003clinktoCollision\u003ecasco collision\u003c/linktoCollision\u003e, on parle de \u003cb\u003ecasco complète.\u003c/b\u003e Cette dernière est généralement exigée, quand il s'agit d'un véhicule en location. Cela permet au propriétaire du véhicule d'être couvert face à un maximum de situations, lorsque la voiture est mise à disposition. \u003c/p\u003e \u003cp\u003e Par ailleurs, nombreux sont ceux à choisir ce type de garantie quand le véhicule est acheté grâce à un emprunt. Crédit et assurance auto font effectivement bon ménage, pour éviter d'avoir à payer un crédit sur un véhicule endommagé. \u003c/p\u003e \u003ch3\u003eLâassistance accident et dépannage\u003c/h3\u003e \u003cp\u003e Il est aussi important de vérifier si le contrat d'assurance auto Suisse prévoit certaines options comme \u003cb\u003el'assistance accident et le dépannage\u003c/b\u003e. En effet, certains contrats à petit prix ne prévoient pas ce type de prestation. Le propriétaire du véhicule peut ainsi avoir à payer le remorquage de la voiture, dont le coût peut être important. \u003c/p\u003e \u003cp\u003e Il est aussi possible que le paiement d'une franchise soit nécessaire pour pouvoir profiter de ce service. La lecture assidue du contrat semble donc incontournable, pour anticiper toutes les situations. \u003c/p\u003e \u003ch3\u003eLâassurance des occupants\u003c/h3\u003e \u003cp\u003e Pour finir, le contrat d'assurance auto peut être assorti de ce qu'on appelle l'assurance des occupants. Cela permet de garantir le propriétaire du véhicule face aux \u003cb\u003e \u003clinktoDamage\u003edommages\u003c/linktoDamage\u003e pouvant être subis par les occupants de la voiture. \u003c/b\u003e \u003c/p\u003e \u003cp\u003e Cette garantie est superflue, quand la voiture ne transporte que des ressortissants en Suisse. En effet, ces derniers sont déjà assurés, pour ce type de dommage. En revanche, si la voiture est amenée à transporter des étrangers, cette garantie est pertinente. \u003c/p\u003e \u003cp\u003e En matière d'assurance véhicule société, pour les compagnies de taxi ou les transports en commun, la souscription est généralement systématique. \u003c/p\u003e \u003ch2\u003eLâassurance voiture Suisse : ce quâil faut savoir\u003c/h2\u003e \u003cp\u003e Si vous êtes à la recherche d'informations sur l'assurance auto Suisse, voici quelques petites choses à savoir, avant de souscrire. Cela vous permettra éventuellement de faire quelques économies ou encore de choisir les bonnes garanties. \u003c/p\u003e \u003ch3\u003eBonus et malus en assurance auto suisse\u003c/h3\u003e \u003cp\u003e Le prix de l'assurance en Suisse est en partie calculé en fonction du degré de \u003clinktoBonus\u003ebonus\u003c/linktoBonus\u003e de l'assuré. Chaque \u003cb\u003eannée de détention d'un véhicule assuré sans accident\u003c/b\u003e permet effectivement d'obtenir un bonus, qui fait baisser le prix de la prime de base. \u003c/p\u003e \u003cp\u003e Il existe aussi un système de malus, en cas de déclaration d'un sinistre. On estime qu'à chaque déclaration de sinistre, un assuré aura en moye
10nne à payer sa prime d'assurance 10 % plus cher quâavant. \u003c/p\u003e \u003cp\u003e Vous l'aurez compris, il y a donc tout intérêt à être prudent sur les routes en Suisse, pour payer le moins cher possible pour son assurance voiture. \u003c/p\u003e \u003ch3\u003eLe système de franchise\u003c/h3\u003e \u003cp\u003e En fonction du sinistre causé ou subi, il est possible qu'une part des réparations du véhicule ou encore des dommages à verser reste à la charge de l'assuré. C'est ce qu'on appelle la \u003cb\u003efranchise\u003c/b\u003e. \u003c/p\u003e \u003cp\u003e Quand on choisit une assurance auto, il est utile de consulter, pour chaque type de sinistre, quelle pourrait être la franchise à payer par l'assuré. En général, plus le montant de la franchise est élevé, moins le contrat d'assurance coûte cher à l'assuré. \u003c/p\u003e \u003cp\u003e Il y aura donc un choix à effectuer, entre de petites mensualités, et la possibilité d'avoir le moins de franchise possible à payer en cas de sinistre. \u003c/p\u003e \u003ch3\u003eComment est calculé le coût dâune assurance auto ?\u003c/h3\u003e \u003cp\u003e Le prix d'une assurance auto est calculé par l'assureur en fonction : \u003c/p\u003e \u003cul\u003e \u003cli\u003e De l'assuré et de son \u003cb\u003eprofil de conducteur\u003c/b\u003e, \u003c/li\u003e \u003cli\u003e Du type de véhicule, et des frais pouvant être engagé en cas de casse, \u003c/li\u003e \u003cli\u003eDu niveau de garantie choisi par l'assuré,\u003c/li\u003e \u003cli\u003e D'une évaluation globale des chances de réalisation des risques garantis. \u003c/li\u003e \u003c/ul\u003e \u003cp\u003e C'est à l'issue d'une analyse multifactorielle, que les assureurs sont donc en capacité de fournir un devis pour une assurance auto. En fonction des garanties demandées, certains assureurs pourront être moins chers que les autres, ou proposer des garanties plus complètes. \u003c/p\u003e \u003cp\u003e Il est aussi possible, pour les assurés présentant un malus important, que les \u003clinktoCompagnies\u003ecompagnies d'assurance\u003c/linktoCompagnies\u003e refusent de proposer un contrat. \u003c/p\u003e \u003ch2\u003eComment trouver une assurance auto pas chère en Suisse ?\u003c/h2\u003e \u003cp\u003e Le budget assurance auto peut être conséquent pour les particuliers. Il est donc légitime de rechercher l'assurance auto la moins chère en Suisse. Pour cela, il est important de comprendre en détail, les éléments pris en compte par l'assureur. Il existe aussi certaines \u003cb\u003e astuces pour trouver le contrat le plus attractif.\u003c/b\u003e \u003c/p\u003e \u003ch3\u003eLe profil de lâassuré\u003c/h3\u003e \u003cp\u003e L'étude du profil de l'assuré se résume souvent à une analyse du bonus ou du malus de ce dernier. Il s'agit notamment d'évaluer \u003cb\u003esi le comportement de ce dernier présente un risque\u003c/b\u003e supplémentaire, pouvant accroître les chances de sinistre. Pour trouver une assurance auto pas chère en Suisse, un bon comportement sur la route est donc de mise. \u003c/p\u003e \u003cp\u003e Par ailleurs, en fonction des compagnies, certains profils peuvent se voir proposer des contrats plus attractifs. Des compagnies comme AXA décident par exemple d'accompagner les \u003clinktoYoung\u003ejeunes conducteurs\u003c/linktoYoung\u003e avec des solutions abordables. \u003c/p\u003e \u003cp\u003e L'idéal reste donc d'effectuer plusieurs devis pour savoir quel assureur propose la formule la plus attractive en fonction de son propre profil. \u003c/p\u003e \u003ch3\u003eLa voiture assurée\u003c/h3\u003e \u003cp\u003e Le véhicule assuré va aussi fortement impacter le prix de la prime d'assurance. Tout d'abord, plus un véhicule est cher, plus la prime le sera. Il existe un lien direct entre le coût d'un véhicule et le \u003cb\u003ecoût potentiel des réparations en cas d'accident.\u003c/b\u003e Il est donc normal que cela se répercute sur le contrat. \u003c/p\u003e \u003cp\u003e Au-delà de la valeur pécuniaire de la voiture, l'assureur va aussi étudier le coût des pièces. En règle générale, les véhicules européens pour lesquels les pièces sont faciles à trouver coûtent ainsi moins cher que les véhicules provenant de l'extérieur de l'
10Union européenne. La puissance de la voiture et sa fiabilité sont enfin passées au crible par l'assureur, qui doit une nouvelle fois mesurer le risque qu'un sinistre survienne. \u003c/p\u003e \u003cp\u003e On peut donc tout simplement choisir un véhicule qui sera potentiellement assuré pour pas cher par les compagnies. Par ailleurs, il est important de souligner que de plus en plus d'acteurs de l'assurance choisissent de \u003cb\u003evaloriser les voitures écologiques\u003c/b\u003e, roulant par exemple à l'électrique, par des promotions sur leurs tarifs. \u003c/p\u003e \u003ch3\u003eLa comparaison des offres\u003c/h3\u003e \u003cp\u003e Trouver une assurance de véhicule pas chère en Suisse passe bien évidemment par la comparaison des offres. Il est utile de challenger régulièrement son contrat, en le comparant à ce que pourrait proposer d'autres assureurs. \u003c/p\u003e \u003cp\u003e Rappelons aussi que la plupart du temps, pour attirer de nouveaux clients, les assureurs proposent des \u003cb\u003epromotions pour la première année d'assurance.\u003c/b\u003e Cela peut permettre de faire de précieuses économies, en changeant régulièrement de compagnie. \u003c/p\u003e \u003ch3\u003eLe niveau de garantie\u003c/h3\u003e \u003cp\u003e Pour finir, le niveau d'assurance peut fortement faire varier le montant de la prime à payer pour l'assurer. Comme mentionné précédemment, \u003cb\u003eseule la responsabilité civile est réellement obligatoire\u003c/b\u003e pour l'assurance d'un véhicule personnel. Il est donc possible de s'en contenter, pour \u003clinktoCheap\u003epayer le moins cher possible\u003c/linktoCheap\u003e. \u003c/p\u003e \u003cp\u003e En cas d'autres besoins, on pourra généralement choisir une assurance sur mesure, avec seulement les garanties dont on a besoin. \u003c/p\u003e \u003cp\u003e Par exemple, l'assurance des occupants représente souvent une garantie superflue, notamment pour les Suisses. Il sera donc possible de l'exclure du contrat pour payer moins. \u003c/p\u003e \u003ch2\u003eComment choisir son assurance auto ?\u003c/h2\u003e \u003cp\u003e Il existe certaines astuces pour bien choisir la bonne assurance voiture. Il ne s'agit pas toujours d'une question de prix. Les options proposées par la compagnie jouent aussi un rôle essentiel dans le choix d'un contrat. \u003c/p\u003e \u003ch3\u003eFaire des devis dâassurance auto suisse\u003c/h3\u003e \u003cp\u003e Les devis d'assurance sont gratuits. Il n'y a donc aucune limite à s'imposer, dans la mise en concurrence des assureurs en Suisse. En tant que particulier, vous pouvez donc multiplier les demandes, pour pouvoir comparer les contrats qui vous sont proposés. Rappelons qu'il est important de \u003cb\u003e comparer les offres en prenant en compte la qualité des garanties \u003c/b\u003e ou encore les montants de franchise pouvant être demandés en cas de sinistre. \u003c/p\u003e \u003cp\u003e Calculer une assurance voiture prend en général seulement quelques minutes à un assureur. Du point de vue du particulier, la démarche est plutôt simple. Les informations à fournir sont toujours les mêmes. Elle concerne le profil de l'assuré et le véhicule. \u003c/p\u003e \u003ch3\u003eFaire des devis dâassurance auto en ligne\u003c/h3\u003e \u003cp\u003e Avant, il était nécessaire de se rendre en agence pour demander un devis d'assurance auto. La plupart des compagnies proposent désormais de pouvoir \u003cb\u003eeffectuer un devis en ligne,\u003c/b\u003e sur leur site internet. \u003c/p\u003e \u003cp\u003e Cette simplification des démarches permet aux particuliers de pouvoir envisager plus facilement la \u003cb\u003ecomparaison des assurances\u003c/b\u003e, mais aussi les changements de contrat. \u003c/p\u003e \u003cp\u003e La plupart du temps, les assureurs proposant des devis en ligne sont aussi ceux qui proposent la souscription et les démarches dématérialisées. Cela permet donc un gain de temps précieux, pour souscrire, mais aussi pour gérer son contrat. \u003c/p\u003e \u003ch3\u003eLe comparateur dâassurance auto\u003c/h3\u003e \u003cp\u003e La simulation d'assurance auto n'a jamais été aussi facile que depuis l'avènement des nouvelles technologies. Il existe en effet de nombreux \u003cb\u003e comparateur
10s d'assurance voiture\u003c/b\u003e disponibles directement sur Internet. \u003c/p\u003e \u003cp\u003e En saisissant quelques informations sur le profil de l'assuré et sur le véhicule à assurer, on obtiendra donc les offres pouvant potentiellement être formulées par les assureurs. Les solutions peuvent permettre de comparer simplement des contrats, pour comprendre les différences de garantie proposée. \u003c/p\u003e \u003cp\u003e Il s'agit généralement d'une solution privilégiée, pour tenter de trouver l'assurance la plus adaptée à ses besoins, en prenant en compte une comparaison des prix. \u003c/p\u003e \u003ch2\u003eComment résilier son assurance auto en Suisse ?\u003c/h2\u003e \u003cp\u003e Pour résilier son contrat d'assurance auto en Suisse, il faut généralement attendre l'un des événements suivants : \u003c/p\u003e \u003cul\u003e \u003cli\u003eLa fin du contrat,\u003c/li\u003e \u003cli\u003eL'échéance annuelle du contrat,\u003c/li\u003e \u003cli\u003eL'augmentation des primes par l'assureur,\u003c/li\u003e \u003cli\u003eLa survenue d'un sinistre,\u003c/li\u003e \u003cli\u003eLe changement ou la vente de la voiture,\u003c/li\u003e \u003cli\u003eL'expiration du contrat au bout de trois ans.\u003c/li\u003e \u003c/ul\u003e \u003cp\u003e \u003cb\u003eLa résiliation d'une assurance de véhicule\u003c/b\u003e est assez simple. Il suffit d'envoyer une lettre en recommandé à l'assureur, comportant le numéro du contrat, les coordonnées de l'assuré et le motif de résiliation. Le contrat peut prévoir un délai de résiliation. \u003c/p\u003e \u003cp\u003e De plus en plus d'assureurs proposent aussi une résiliation dématérialisée du contrat d'assurance. Il sera donc éventuellement possible d'effectuer cette démarche en ligne, pour encore plus de facilité. \u003c/p\u003e \u003ch2\u003eTop 5 des meilleures compagnies dâassurances auto en Suisse\u003c/h2\u003e \u003cp\u003e Notre équipe vous propose un comparatif des assurances voiture. Nous avons choisi de mettre en avant les atouts de quelques-unes des compagnies les plus emblématiques du marché. Le prix n'est pas toujours le seul argument. \u003c/p\u003e \u003ch3\u003eAxa : une assurance auto pas chère\u003c/h3\u003e \u003cp\u003e AXA fait partie des compagnies d'assurances Suisse proposant des \u003cb\u003e assurances auto parmi les moins chères du marché.\u003c/b\u003e Il était donc évident pour nous de la mettre en avant, pour permettre à ceux qui recherchent une assurance de voiture pas chère, de pouvoir s'orienter vers cet interlocuteur. \u003c/p\u003e \u003cp\u003e Il sera effectivement possible de trouver une responsabilité civile pour moins de 40 francs suisses. \u003c/p\u003e \u003cp\u003e En général, les contrats comprennent systématiquement l'assurance de dépannage ainsi que le prêt d'un véhicule de remplacement. On considère donc que AXA propose des solutions complètes, à des tarifs très abordables. \u003c/p\u003e \u003cp\u003e Il reste par ailleurs possible de souscrire à des garanties plus solides, en fonction des besoins de l'assuré. \u003c/p\u003e \u003ch3\u003eLa protection du bonus par Helvetia\u003c/h3\u003e \u003cp\u003e Helvetia fait aussi partie des acteurs qui proposent des contrats à des \u003cb\u003etarifs abordables.\u003c/b\u003e Cela est notamment dû à la capacité de cette compagnie à proposer des offres attractives aux nouveaux assurés. Par exemple, la souscription en ligne peut donner \u003cb\u003edroit à un rabais de 10 % sur le total des primes\u003c/b\u003e à payer la première année. \u003c/p\u003e \u003cp\u003e Parmi les atouts de cette compagnie d'assurance, on note aussi la possibilité de profiter d'une protection du bonus en cas de sinistre. Les assurés déclarant un sinistre dans l'année ne se verront donc appliquer aucun malus. L'option est donc particulièrement intéressante pour les jeunes permis n'ayant pas encore cumulé de bonus. \u003c/p\u003e \u003ch3\u003eLâexcellence des garanties avec Allianz\u003c/h3\u003e \u003cp\u003e Allianz est une compagnie d'assurance qui fait figure de modèle, lorsqu'il s'agit de proposer des garanties complètes. Si ces tarifs sont généralement plus élevés que AXA ou encore Helvetica, on retrouve des options attractives. \u003c/p\u003e \u003cp\u003e L'assuré pourra par exemple choisir une \u003cb\u003ecouverture supplémentaire en cas d'accident\u003c/b\u003e dont il est responsable. \u003c/p\u003e \u003ch3\u003eLe service client de La Mobilière\u003c/h3\u003e \u003cp\u003e Le site Comparis.ch compare régulièrement les notes attribuées au service client des assureurs. En matière d'assurance auto, La Mobilière fait partie des meilleurs élèves du classement. Elle dispose effectivement d'une \u003cb\u003enote de 5,5
10sur 6\u003c/b\u003e, la positionnant en tête du classement en 2025. \u003c/p\u003e \u003cp\u003e Selon les avis des clients de la compagnie, le SAV est réactif, qu'il s'agisse de souscrire à un nouveau contrat ou encore de traiter un sinistre. \u003c/p\u003e \u003ch3\u003eSmile : lâassurance auto 100 % en ligne\u003c/h3\u003e \u003cp\u003e Pour finir, nous ne pouvions pas terminer ce classement sans évoquer l'un des assureurs en ligne les plus emblématiques de Suisse. L'assurance Smile, qui semble se donner pour mission de redonner le sourire aux souscripteurs d'assurances auto, propose des \u003cb\u003eformules 100 % en ligne.\u003c/b\u003e \u003c/p\u003e \u003cp\u003e En plus de simplifier les démarches, cela permet de profiter d'une meilleure réactivité en cas de démarche administrative. Par ailleurs, les prix sont plus attractifs, grâce à la dématérialisation, et à l'absence de certains coûts, notamment pour le fonctionnement des agences physiques. \u003c/p\u003e\u003csuccess\u003eEn Suisse, l'assurance auto responsabilité civile est obligatoire pour tous les propriétaires de véhicules motorisés. Cette assurance couvre les dommages que vous pourriez causer à des tiers lors d'un accident de la route. Il est important de noter que les assurances tous risques, qui couvrent les dommages causés à votre propre véhicule, ne sont pas obligatoires en Suisse, mais peuvent être recommandées en fonction de votre situation personnelle.\u003c/success\u003e \u003cp\u003e \u003clinktoKM\u003eAssurance au kilométrage\u003c/linktoKM\u003e \u003c/p\u003e \u003cp\u003e \u003clinktoCC\u003eAssurance camping-car\u003c/linktoCC\u003e \u003c/p\u003e \u003cp\u003e \u003clinktoLicense\u003eConduire en Suisse avec un permis étranger\u003c/linktoLicense\u003e \u003c/p\u003e \u003cp\u003e \u003clinktoRepair\u003eAssurance dépannage automobile\u003c/linktoRepair\u003e \u003c/p\u003e \u003cp\u003e \u003clinktodoc\u003eDocuments à fournir pour assurer un véhicule d'occasion\u003c/linktodoc\u003e \u003c/p\u003e \u003cp\u003e \u003clinktoParkDamage\u003eAssurance dommages de parking\u003c/linktoParkDamage\u003e \u003c/p\u003e \u003cp\u003e \u003clinktoPrestige\u003eAssurance voiture de prestige\u003c/linktoPrestige\u003e \u003c/p\u003e \u003cp\u003e \u003clinktoBrands\u003eAssurance voiture par marques\u003c/linktoBrands\u003e \u003c/p\u003e \u003cp\u003e \u003clinktoLicensePlate\u003ePlaque d'immatriculation en Suisse\u003c/linktoLicensePlate\u003e \u003c/p\u003e \u003cp\u003e \u003clinktoResil\u003eRésiliation assurance voiture\u003c/linktoResil\u003e \u003c/p\u003e \u003cp\u003e \u003clinktoUtil\u003eAssurance utilitaires\u003c/linktoUtil\u003e \u003c/p\u003e \u003cp\u003e \u003clinktoElec\u003eAssurance voiture éléctrique\u003c/linktoElec\u003e \u003c/p\u003e \u003cp\u003e \u003clinktoSP\u003eAssurance voiture sans permis\u003c/linktoSP\u003e \u003c/p\u003e "}}},"initialLocale":"en","ns":["common","pages/index","highlight","pages/assurance-voiture"],"userConfig":{"debug":false,"reloadOnPrerender":false,"i18n":{"domains":[],"locales":["fr","en","de"],"defaultLocale":"fr"},"localePath":"/vercel/path0/public/locales"}}},"__N_SSG":true},"page":"/assurance-voiture","query":{},"buildId":"CGOgVphleApGURA3JIIxt","isFallback":false,"gsp":true,"locale":"en","locales":["fr","en","de"],"defaultLocale":"fr","domainLocales":[],"scriptLoader":[]}</script>
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