Car and motorbike insurance
Liability insurance is compulsory to drive. Comprehensive covers are optional but often essential for a recent or leased vehicle.
Updated on 23.09.2026 · Official sources cited
The three levels of cover
- Liability (RC): compulsory. Covers damage caused to others (people, vehicles, property).
- Partial cover: theft, fire, glass breakage, hail and natural hazards, collisions with animals, vandalism depending on the offer.
- Comprehensive cover: adds damage to your own vehicle when you are responsible for the accident. Often required for a lease.
Options that make a difference
- Parking damage
- 24/24 assistance and breakdown service
- Bonus protection
- Waiver of recourse in case of gross negligence
- Personal belongings carried
How to pay less
For the same guarantees, price differences are large. A higher deductible, reduced comprehensive cover on an older vehicle or dropping useless options can lower the premium. Check your contract's renewal date and notice period.
By canton
- Car and motorbike insurance in the canton of Vaud
- Car and motorbike insurance in the canton of Geneva
- Car and motorbike insurance in the canton of Valais
- Car and motorbike insurance in the canton of Fribourg
- Car and motorbike insurance in the canton of Neuchâtel
- Car and motorbike insurance in the canton of Jura