Swiss car insurance deductibles higher for young drivers?

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

Hi all,

I noticed that the deductibles for young drivers (under 25) are always much higher than the deductibles which older adults pay. Is there some logic to this or is it just another way to fleece the youngsters?


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

Hi there,

Car insurance providers base the cost of insurance on the risk posed by individual policyholders. It is statistically proven that new drivers are involved in more accidents than more experienced drivers, which is why premiums for young adults are generally higher than those charged to older drivers.

Best regards from Moneyguru

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