Collision car insurance is a type of car insurance or motorcycle insurance coverage that covers damages to your vehicle when you are at fault. In Switzerland, the combination of collision car insurance and partial-casco car insurance is called full-casco insurance.
Self-inflicted damages are not covered by compulsory liability car insurance or voluntary partial-casco car insurance. A severe accident for which you are at fault could, in the worst case, result in your car being written off. Collision car insurance covers these damages.
However, general damages to your car caused by gross neglect are only partially covered by your collision car insurance provider. In some cases, they are not covered at all. You can insure your car against damages resulting from gross negligence by adding this coverage as a supplementary rider.
Getting collision car insurance can make sense if you buy a new car. If you lease a car, you will normally be obligated to take out full-casco car insurance.
More on this topic:
Compare car insurance premiums now
Swiss full-casco car insurance guide
Swiss partial-casco car insurance guide
Comprehensive car insurance explained
Full casco car insurance explained
Liability car insurance explained
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