Car insurance – all-round cover for your car

Car insurance at a glance

Fixed premium without no-claims-bonus system
Customer-friendly one-year contracts
Free choice of car repair shop
Rapid processing of claims
Digital processing, customer advisor always reachable
Gross negligence included in all insurance packages
Generous compensation in the event of a write-off
Accessories and charging infrastructure for passenger vehicles included at no extra cost

Benefits of car insurance

Liability insurance is a legal requirement in Switzerland. It covers all property damage and bodily injury caused to third parties – including damage to house walls, garden fences and vehicles.

The liability cover included in V⁠i⁠s⁠a⁠n⁠a car insurance offers the following benefits:

Cover of up to CHF 100,000,000 per incident for property damage and bodily injury
Customer-friendly one-year contracts
Guaranteed fixed premium
Gross negligence included

Comprehensive cover is for damage to your vehicle. You can choose partially comprehensive cover (e.g. for damage caused by martens or hail) or fully comprehensive cover (for damage to your car that is your own fault, in addition to the partially comprehensive cover). You can also take out cover for parked-vehicle damage.

Partially comprehensive cover

With V⁠i⁠s⁠a⁠n⁠a car insurance, the partially comprehensive option insures the following:

Glass parts, tail lights and headlights (LED, xenon) automatically included
Damage caused by martens and collisions with animals
Damage caused by natural hazards, e.g. hail
Free choice of car repair shop
In the event of a write-off, reimbursement of the car’s value when new, during its first two years in operation

Fully comprehensive cover

With V⁠i⁠s⁠a⁠n⁠a car insurance, the fully comprehensive option insures the following:

All the benefits of the partially comprehensive option
Up to CHF 3,000 in cover for transported items, including work-related equipment
CHF 1,000 in reimbursement of mobility costs for public transport and taxis upon vehicle breakdown or forfeiture of driving licence
Gross negligence included

Parked-vehicle damage

With V⁠i⁠s⁠a⁠n⁠a car insurance, the parked-vehicle-damage option includes the following:

Damage to the car when parked, caused by third parties
No limit on the sum of the parked-vehicle damage
Unlimited number of parked-vehicle-damage incidents per year

Enhance your insurance cover to suit your requirements, with these top-up cover options:

Passenger accident insurance

In the event of an accident, we support you financially if you or your passengers are injured. The medical costs of injured passengers are covered for five years after the accident. In addition, if the accident leads to invalidity or death of a passenger, the insured sum is paid out.

Breakdown service / assistance

If your vehicle is immobilised by a breakdown or accident, we immediately arrange your return home or onward journey and organise a towing service.

Reduced deductible upon collision damage

For a small surcharge, you can reduce your deductible upon collision damage.

Motor legal protection insurance

In the event of legal disputes, we support you with our personal and motor legal protection insurance.

If you would like an overview of all the benefits of V⁠i⁠s⁠a⁠n⁠a car insurance, please refer to our car insurance fact sheet and motor vehicle insurance customer information.

Car insurance discounts

When taking out car insurance, it is worth keeping these discounts in mind:

You get a 10% premium discount if, in addition to car insurance, you also take out basic or top-up insurance with us.
If you drive claims-free and cover fewer than 15,000 km per year, you get a discount of up to 25% on your next premium.

For whom is V⁠i⁠s⁠a⁠n⁠a car insurance suitable?

V⁠i⁠s⁠a⁠n⁠a car insurance is ideal for anyone who wants to drive with peace of mind – regardless of whether you commute daily, drive only occasionally or wish to insure a new vehicle.

Our recommendation

Tailor your insurance cover to your individual needs.

We particularly recommend V⁠i⁠s⁠a⁠n⁠a car insurance for:

people wishing to protect themselves against financial consequences of damage that is their own fault, or natural disasters.
people wishing to take out additional cover for their car against theft, glass breakage or parked-vehicle damage.
people wishing to benefit from a quick and easy claims processing service.
people wishing to tailor their insurance flexibly and individually.
people who particularly value comprehensive assistance services, e.g. in the event of a breakdown.

How to proceed in the event of a claim

Document any damage as accurately as possible. Use photos or videos.
Simply send us your claim report online.
Our experts assess and process your claim report quickly and reliably.

Your advantages with car insurance from V⁠i⁠s⁠a⁠n⁠a

Comprehensive protection for your car
Simple online processing and claim reporting
Attractive discounts and fair premiums
Gross negligence included
Free choice of repair shop

Useful services for you

Smart insurance for all-round care. These services assist you:

Be it property damage, an accident or a breakdown – we are here for you. Simply report the damage online and let us know what has happened.

In emergencies, you can reach our breakdown service around the clock on 0848 726 225.

If you need proof of insurance for your car, please contact your advisor directly.

If you operate as a workshop or garage, you can reach us on 0848 726 225 or by email at auto@visana.ch. In your message, please provide the following details:

Vehicle registration number
Start date of insurance (date on which it comes into force)

We will take care of your request as quickly as possible.

In most EU countries, you no longer need to carry this insurance card with you. However, it is still compulsory in some Eastern European countries, as well as in Turkey.

You receive it automatically by email as a PDF, along with your policy, the GCI, the standard insurance card, and notification of your annual premium on the principal expiry date.

If you can no longer find this email, no problem. There are several easy ways to request the documents again:

Online form
Fill in our form. Your query will immediately be forwarded to our service team.
Email
Email us at auto@visana.ch and state your vehicle registration number.
Your V⁠i⁠s⁠a⁠n⁠a agency
Give us a call or drop by – we will resend the PDF to you by email, or print the documents for you at the counter.

Find an agency near me

We will make sure that you receive your insurance card quickly and easily, so you have protection when travelling – even abroad.

To ensure you are well prepared in the event of an accident, you can order the European Accident Statement directly from your agency.

If you wish to allow a third party to use your vehicle, whether temporarily, on a regular basis, or for a trip abroad, this can affect your insurance cover or premium.

Please contact your advisor to clarify the situation and, if necessary, adjust your policy. This allows us to make sure that your insurance cover is always complete and correct.

Persons driving abroad in a privately borrowed vehicle require written permission from the vehicle owner.

Quickly find a partner garage near you. Our network offers you reliable services, such as bodywork repair, windscreen repair or replacement, and other repairs – carried out professionally and efficiently.

Example claims

Frequently asked questions about car insurance

V⁠i⁠s⁠a⁠n⁠a’s car insurance covers losses in Switzerland, Liechtenstein and all European countries listed on the international insurance card.

The international insurance card should be carried when driving abroad along with a European Accident Statement. That way, you have documentation to prove that you are sufficiently insured.

Partially comprehensive insurance covers losses over which you do not have any direct influence, for instance, theft, glass breakage, marten damage, fire or natural events such as hail.

Fully comprehensive insurance contains all benefits available under partially comprehensive insurance, plus protection for damage to your own vehicle for which you are at fault, as well as third-party vandalism.

Partially comprehensive insurance therefore provides protection against damage from external causes, whereas fully comprehensive insurance also covers your own driving errors.

Fully comprehensive insurance is worth it above all for new or valuable vehicles. As the age of the vehicle increases, the current value falls – and therefore also the benefit of fully comprehensive insurance.

It generally makes sense to switch to partially comprehensive insurance if:

your car is more than 5 to 7 years old;
repair costs could be higher than the residual value of the vehicle;
you are willing to cover minor damage yourself.

Get specific advice from us to make sure you never pay for protection that you do not (or no longer) need.