Does Swiss liability car insurance cover damages to your own car?

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  • BenutzernameMoneyland User Questions
  • Status Member
  • Registriert seit1/27/17
  • Beiträge2142

Dear forum,

Does my Swiss car liability insurance also pay for damages to my car? Do I have to get some other insurance for that?


  • BenutzernameMoneyguru von
  • OrtSchweiz
  • Status Expert
  • Registriert seit8/4/15
  • Beiträge4017

Hi there,

Liability car insurance does not cover damages to your own car. This insurance covers the cost of damages inflicted by your car on third parties when you cause an accident. Injuries to other people and damages to other people's cars or property are covered.

If you want coverage for damages to your car, you need to take out collision car insurance (for accidents on the road) or comprehensive car insurance (for damages caused by natural hazards, vandalism, etc.).

Best regards from Moneyguru

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