Parked Car Damage

For damages to qualify as parked car damage, the car must be parked (standing still). Damages which occur while a car is moving are not counted as parked car damage by Swiss insurers.

Swiss semi-comprehensive insurance policies normally cover certain parked car damages – like a rear-view mirror that’s been knocked off or a smashed window. However, dents and scratches inflicted on a parked car by a third party are not normally covered.

A Swiss fully comprehensive insurance policy will normally cover these damages, but (unlike semi-comprehensive insurance) making claims will usually knock down your bonus/malus status. You also need to consider the deductible.

If the parked car damage was inflicted by an unknown party, the Swiss National Guarantee Fund (NGF) may step in. Damages caused by vandalism, such as scratches on the body-work, are not covered by this guarantee. Benefits paid out by the guarantee are subject to a 1000-franc deductible.

One way to protect your car and your wallet is to take out supplementary parked car insurance. This insurance also covers expensive damages caused by vandalism (scratches in the paintwork, for example). Just note that, depending on the insurance policy, this insurance coverage is usually limited to a maximum sum insured, or to a certain amount of claims every year.

More on this topic:
Swiss car insurance comparison
Fully comprehensive car insurance explained
Collision car insurance explained

Health insurance premiums in comparison

Find the cheapest health insurance now

Compare now
Request now for free

Leading credit cards

Free credit card

Swisscard Cashback Cards Amex

  • No annual fees

  • Two cards Amex & Visa/Mastercard

  • With cash back

Free credit card

Migros Cumulus Visa

  • No annual fees

  • With Cumulus points

  • Without foreign currency fees

Trading platforms

Brokers with low fees

Swiss Broker

FlowBank

  • Swiss online bank

  • No additional exchange charges

  • No transaction fees for Swiss equities

Swiss Broker

Saxo Bank Switzerland

  • Swiss online bank

  • Favorable prices stock trading

  • High account interest rates

Swiss Broker

Cornèrtrader

  • Swiss online bank

  • No custody fees for stocks

  • Free market research and trading signals

Request now for free

Cheap bank accounts with card

Free bank account

Yuh

  • No account fees

  • Banking partner: Swissquote & Postfinance

  • CHF 20 trading credit with code «YUHMONEYLAND»

Swiss digital bank

Alpian

  • Multi-currency account with Visa card (CHF, EUR, USD, GBP)

  • Favorable foreign exchange rates

  • CHF 100 welcome bonus

Online private account

UBS key4

  • 50 KeyClub points as a welcome gift

  • Online private account with debit card

Expert Benjamin Manz
Benjamin Manz is CEO of moneyland.ch and an independent expert on banking and finance.