Partial or comprehensive accidental damage insurance – which is best?
The biggest difference in car insurance in Switzerland is whether you select partial or comprehensive accidental damage insurance: Partial accidental damage insurance covers damage to your own vehicle that you do not cause. Comprehensive accidental damage insurance does the same, but also covers damage you cause as the result of a collision.

Partial accidental damage cover

• Fire, theft, glass breakage
• Martens, vandalism
• Natural events such as storms, hail, landslides, avalanches, rockslides, floods

Comprehensive accidental damage insurance
Covers everything covered by partial accidental damage insurance as well as damage caused by you as the result of collisions, crashes, impacts, overturning and sinking.

24/7 emergency services – worldwide
Regardless of whether you take out partial or comprehensive accidental damage insurance, our 24-hour breakdown assistance and assistance services are automatically included in every accidental damage insurance policy. We are always happy to help in the event of an emergency. Round the clock and anywhere in the world. 

What does third party liability insurance cover?
In Switzerland, third party liability insurance is mandatory for anyone who owns a car or any other form of motor vehicle. It covers any damages to third parties and property damage to vehicles or other items caused by yourself or another driver with your car. We offer effective insurance coverage of up to CHF 100 million for damages you cause.

What does accident insurance cover?
It’s bad enough to be injured in an accident. But our accident insurance will at least protect you and your passengers from any costs associated with an accident with your vehicle. Generali offers concrete support immediately, providing benefits even before liability has been established.

Coverage types

• Disability
• Death
• Daily hospital allowance
• Treatment costs

What does gross negligence insurance cover?
This insurance covers claims even in the event that you violated traffic laws in a grossly negligent manner. This could be something as minor as overlooking a stop sign. The law grants insurance companies a right of recourse and reduction to benefits in these cases. Gross negligence insurance makes sure you are covered.

What does parked vehicle damage insurance cover?
If another person has caused damage to your vehicle, the case is clear: Their liability insurance must pay for the damages. But what do you do if you don’t know who it was? In that case, it’s a good idea to have our parked vehicle damage insurance, which covers damages to your parked vehicle caused by unknown third parties.

Common damage to parked vehicles?

• Broken rear-view mirror
• Paint scratches
• Dented bodywork

What does no-claims bonus protection cover?
When you take out car insurance, you will usually find that your premiums will go up the year after you receive benefits after making a claim. No-claims bonus protection is supplementary cover that prevents your premiums from increasing and allows you to keep your bonus.

One claim covered per year
No-claims bonus protection supplementary cover guarantees that your premium level will stay the same after the first registered claim each year. This additional cover is already included in our CLASSIC and OPTIMA packages.