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Coverage to keep you safe on the road
Driving means freedom, flexibility, but also responsibility. Whether you commute daily, regularly drive to the mountains, or only use your vehicle occasionally: accidents, damage, or breakdowns happen faster than you think – even if you're the most careful driver in the world. And the financial consequences can be significant, especially when people or other vehicles are affected.
Car insurance protects you when it matters most. It covers costs for damage you cause to others and, depending on the coverage, also for damage to your own vehicle. Whether it's minor parking damage, hail, broken glass, or a serious accident: with the right insurance, you're not only legally protected but also quickly back on the road. And above all, protected from high, unexpected costs.
At wefox, we'll help you compare car insurance policies to find the one that suits your lifestyle. By comparing offers from leading Swiss insurance companies for you we can provide personalized advice, and, if you wish, even handle the entire car insurance switch easily, digitally, and completely free of charge. Start your journey to better car insurance with a free consultation from wefox now.
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What is car insurance – and why do you need it?
Car insurance covers damage you cause with your vehicle or that you yourself incur. It protects you against financial losses and liability claims related to your car. In Switzerland, liability insurance is required by law; all other coverages, such as partial or fully comprehensive insurance, are voluntary but often advisable.
Depending on the coverage you choose, your insurance will cover costs for accidents, theft, parking damage, natural disasters, or vandalism, thus protecting not only your car but also your wallet.
Services at a glance – comparing what’s insured
Liability insurance
(mandatory)
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Covers damage you cause to other people or their property in the event of an accident with your vehicle
Partial comprehensive insurance (optional)
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Covers damage not caused by accidents
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Protection against theft, broken glass, and natural disasters (e.g., hail)
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Damage caused by animals, fire, or vandalism
Comprehensive insurance (optional)
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Includes all benefits of partial comprehensive insurance
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Additionally: Damage to your own vehicle caused by accidents for which you are at fault
Additional coverage (recommended)
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Parking Damage Insurance
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Bonus Protection (Loss-Free Damage)
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Gross Negligence Protection
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Assistance/ Breakdown Assistance
Depending on the provider and vehicle value, a customized combination of coverages may be worthwhile. At wefox, we offer free, independent advice so you only pay for what you really need. Need help comparing policies?
Which coverage is worthwhile for whom?
Liability insurance
Mandatory for everyone; without it, no vehicle may be registered in Switzerland.
Partial insurance
Ideal for middle-aged vehicles, new cars with leases, or anyone who wants to protect themselves against natural hazards and theft.
Full insurance
Recommended for new cars, leased vehicles, or expensive models – especially in the first few years after purchase.
Tip: For leased or new vehicles, fully comprehensive insurance is usually required – we will clarify this for you during the consultation.
How much does car insurance cost?
The cost of car insurance depends on various factors. First and foremost, factors like vehicle type, driving behaviour, age and driving experience. Where you live also influences the calculation. Your monthly premium is also determined by the components you decide to include. How much protection do you want? Would you prefer a comprehensive insurance package so you feel completely at ease? Or just the bare minimum? We’ve looked into the individual factors so you can understand how they affect your premiums.
Vehicle type
The type, make, model and age of the vehicle are important here. Generally speaking, more expensive or more powerful vehicles have higher insurance premiums.
Cost factors
Insurance coverage
The coverage you opt for (liability, third-party, comprehensive, etc.) also affects the cost. Comprehensive coverage generally costs more than third-party cover or liability insurance.
Cost factors
Driving behavior
Your driving style, accident history and annual mileage also have an impact. If you have had a lot of accidents or are prone to risky driving behaviour, you will have to pay higher premiums.
Cost factors
Age and experience
Younger drivers, especially new drivers, are considered higher risk. They, therefore, have to pay more.
Cost factors
Domicile
Where you live also factors in. If the area you live in has a higher crime rate or a higher risk of accidents, you will pay more.
Cost factors
Additional coverage
Adding additional options such as accident or breakdown cover or extended cover also increases the price.
Cost factors
Ultimately, every insurer offers different rates and has its own policies. That’s why it’s important to look around and compare car insurance quotes to find the best solution for you. Don’t miss out – get in touch with us!
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Why wefox? Your advantage switching car insurance with us
Independent comparison
We review offers from leading Swiss insurance companies
Digital & personal
You decide how you want to be advised
Easy switching service
Cancel and re-sign? We do it for you.
Transparency & fairness
You only pay for what you really need
You don't have to spend hours gathering quotes or reading fine print – we do it for you. Compare and switch car insurance policies with wefox - fast, easy, and free of charge.
FAQs about car insurance
Yes, no vehicle may be registered in Switzerland without third-party insurance.
Partial comprehensive insurance protects you against external damage, such as weather or theft. Full comprehensive insurance also covers damage to your own vehicle in accidents caused by your fault.
Whether you're buying a car, experiencing a premium increase, or simply want to save money – comparing offers is almost always worthwhile.
Yes – we handle the entire transition, including timely cancellation.
There is no one-size-fits-all answer to the question of which car insurance is best. This simply depends too much on your individual needs, priorities, and circumstances. The best car insurance for you may not be suitable for someone else.
When making your decision, weigh your needs against other factors. Consider your financial situation and individual circumstances. When comparing offers, don't overlook aspects like customer service.
When and whether you can cancel your car insurance depends on the terms of your contract and the contract status. Factors like contract term need to be considered. Deadlines vary depending on the insurance company, but are often between one and three months before the contract expires.
In some cases, you also have the right to extraordinary termination. Possible reasons for this include a change in your personal circumstances such as selling or scrapping the car, moving to another country or changes to the insurance conditions made by the insurer.
You may also be able to terminate the contract if the rates have increased. You’ll be able to find information on this and other circumstances in your documents. And if you’re struggling to find what you need, then allow us to shed some light on the matter.