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Expat Assistance Vehicule

Expatriates  insurance information in Switzerland

All about insurance

 

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Our Experts give FREE advice and information to expatriates in Geneva, Nyon, Lausanne, Montreux and Pays de Gex for insurance, banking, property, car purchase, doctor etc...

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Switzerland is a federal country and we have federal laws as well as cantonal laws. Insurance is subject to federal law but some companies have different coverage for different canton. (e.g. Geneva give a tax deduction on 3b).

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Your Vehicle

 

Insurance Terminology GLOSSARY click here...

 

All about your vehicle:

 

Where to buy your vehicle:

  • New or second hand car, Scooter, Motorbike, Boat, Van, Truck, etc.

 

Contact us for more informations...

 

Importing your own vehicle:

  • Importing your own vehicle, custom, registration, etc.
  • Every imported vehicle has to go throught the "Service des automobiles". It is a Cantonal office service, where all the vehicle go for inspection, registrations...

 

Insuring your vehicle

  • By Law, as soon as you want to register a vehicle in Switzerland, you must subscribe a Swiss vehicle insurance.
  • To register a vehicle you need a Swiss insurance certificate.
  • An insurance certificate (or proof of insurance) guarantees that a particular vehicle possesses third-Party vehicle insurance as required by law.

 

  • Breakdown recovery assistance:
  • Breakdown recovery assistance is a free service included in Generali car insurance. You can add some option together to build your own Assistance plan to suit your needs at Home and Away:

 

  • Breakdonw recovery assistance (free service in Generali car insurance)
  • Cancellation costs insurance
  • Travel insurance
  • Home Assistance Service (free service in Generali Household insurance)
  • Travel legal insurance

 

  • Legal Insurance
  • It is recommended that you protect yourself and your family, against potential problems after a car accident, or from your mechanic, neighbours, employers, land lords etc...  Read more 

 

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Understand the Swiss and the French vocabulary for your insurance

 

French

 

English

 

Assurances véhicule à moteur
Vehicle insurance
  • Attestation d'assurance véhicule à moteur
  • Responsabilté civile de véhicule à moteur
  • Casco partiel
  • Casco intégral ou complète.
  • Renonciation à la faute grave
  • Assurance occupant
  • Système de bonus
  • Parking insurance
  • Franchise
  • Assurance assistance

 

Feel free to contact us with your queries...

 

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Car insurance Explanation

 

Insurance for vehicle:

To be insure with a particular vehicle you need an insurance certificate (or proof of insurance) this one guarantees that this particular vehicle possesses third-party insurance as required by law. The insurer draws up the insurance certificate.

Third-party insurance:

This compulsory insurance covers the third-party liability of the owner, user, or driver of a motor vehicle for personal injury and materiel damages. The reason for the mandatory nature of this insurance is in order to protect an injured party who only has a guarantee if the user who assumes civil liability is solvent.

 

Partially comprehensive insurance:

Distinction is made between partially comprehensive and fully-comprehensive insurance. Motor-vehicle partially comprehensive insurance covers damages caused to the policyholder's vehicle following an insured event. In partially comprehensive insurance the following causes of damage are covered - fire, lightning, explosion, short-circuit, natural event, theft, glass-breakage and damage caused by animals. In addition to these,

 

Fully comprehensive insurance:

Motor-vehicle fully comprehensive insurance covers damages included in the partially comprehensive and also covers collision damages caused to the policyholder's vehicle following an insured event. Fully comprehensive insurance can also covers parking damages, under some conditions.

 

Contact us for a free quote...

 

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Gross negligence:

Gross negligence is committed when a person breaks an elementary rule of caution which, under the same circumstances, would have been imposed on any reasonable person. If damages are caused as a result of gross negligence, insurance cover may be reduced.

If coverage is agreed for gross negligence, the insurance company shall waive its right of recovery due to it from you or the insured parties under Article 65 paragraph 3 of the Swiss Road Traffic on grounds of having caused the insured event through gross negligence as defined in Article 14 paragraphs 2 and 3 of the Swiss Federal Law on Insurance Contracts, with the exception of cases in which the driver caused the accident while under the influence of alcohol of drugs or due to misuse of medication, and cases where the accident was caused with intent or with indirect intent.

Read the general condition of your vehicle insurance or contact us for more informations.

 

Passenger insurance:

It is a Passengers’ Personal Accident Insurance and Accident Insurance of Helpers at Accidents and breakdown. Read the general condition of your vehicle insurance or contact us for more informations.

 

No claims bonus insurance:

No claims bonus systems are best-known in third party motor vehicle insurance and fully comprehensive motor vehicle insurance. Such a system can result in reduced premiums since, if no claim is made on a policy, a bonus (discount) is granted to the policyholder. A bonus system comes into effect after one year of accident-free operation.

If coverage is agreed for a Bonus protection, the insurance company shall waive its right of changing the bonus. Each insurance companies can have there own system.

Read the general condition of your vehicle insurance or contact us for more informations.

 

Contact us for a free quote...

 

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Parking insurance:

Loss or damage caused while parked

This shall be understood to mean damage to the vehicle declared in the policy whilst it is parked, caused by unknown motor vehicles or bicycles. In the event of loss or damage caused while parked, the insurance company shall only be obliged to pay indemnity provided you have arranged for a charge to be brought against the person or persons unknown and have provided a statement to the police.

Read the general condition of your vehicle insurance or contact us for more informations.

 

Excess:

Some insurance companies make insured persons bear part of the damages resulting from an insured event, either in the form of a percentage or of a fixed sum. Excesses avoid insurance companies from being inundated with minor claims. Cost participation is a synonym for excess.

Read the general condition of your vehicle insurance or contact us for more informations.

 

  • Travel assistance insurance:

With travel assistance insurance as part of your travel gear you are ideally prepared for your vacation. If anything happens before or during your vacation you are well protected with a travel assistance policy. Put together your own Assistance insurance plan to suit your needs at home and away:

  • Breakdown recovery assistance (free service included in Generali car insurance)
  • Cancellation costs insurance
  • Travel insurance
  • Home Assistance Service (free service included in Generali Household insurance)
  • Travel legal insurance

 

Contact us...

 

FamilyVehiculesYour Home Legal AdvisorSwitzerland or France

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