Keep your budget in view
Decide which deductible is manageable and which larger losses you would like to insure.
Insurance · Car
Keep moving. With protection you understand.
Your car is part of everyday life. We review protection that fits the vehicle, its use and your budget, so you understand the cover, deductibles and what to do after a claim.
What you gain from the review
Plan your mobility
Clarify the roadside assistance and replacement transport you need in everyday life or when travelling.
Understand quotations
Compare benefits, exclusions and compensation rules with one consistent list.
Car insurance
Less uncertainty. Protection that fits your life.
What would you like to improve? We review your circumstances and explain how cost and cover fit together. Our support continues after your decision.
Suggestions make the form easier to complete. If your model is missing, you can enter it yourself. We check the exact variant against the vehicle registration document in the consultation.
Understand the key benefits, decisions and pitfalls, clearly explained in your knowledge PDF.
How we build your solution
- 01
Gather the starting point
Bring vehicle details, the existing policy, premium invoice and, where relevant, the leasing agreement. Note your main questions.
- 02
Discuss the cover
Work through your priorities with Andrade Finance: damage to your car, a manageable deductible and mobility after a claim.
- 03
Review the quotation
Read the chosen quotation and conditions. Clarify outstanding points and the start of cover before entering a contract.
Prepare for a clear decision
Knowledge that helps in everyday life
A claim often affects more than the vehicle
An accident can raise liability questions and repair costs. If your car is off the road, getting to work and managing everyday life become harder. Compulsory liability insurance and cover for your own vehicle serve different purposes; leasing requirements and agreed deductibles may also matter.
Get back on the road with a clear plan
You know which damage the contract covers, what you would pay yourself and how support is organised after a claim. Assistance, replacement transport and casco cover can then be chosen around what you actually need. That gives you direction before you have to rely on it.
Your vehicle and its use guide the choice
At Andrade Finance, we start with your car, annual mileage and regular drivers. We review existing contracts, explain the differences between liability and casco insurance and discuss relevant additional cover. Your decision is grounded in everyday use.
What your car insurance should cover
Liability and own vehicle cover serve different purposes
To register a car in Switzerland, you need motor liability insurance and the corresponding insurance certificate. This covers insured liability towards third parties. Damage to your own car belongs under own vehicle cover.
Partial comprehensive cover, or Teilkasko, insures agreed events such as theft, hail or glass damage. Fully comprehensive cover, or Vollkasko, normally adds collision damage to your own vehicle. The insured events and limits appear in the policy. This cover is voluntary under the law; a leasing contract can require Vollkasko.
Whether full cover makes sense depends on more than the car's age. Ask yourself: could I fund a major repair or replacement? What is the vehicle's current value? What requirements appear in my leasing agreement?
Consider mobility and the contract details
Compare deductibles for each type of claim, total loss compensation and repair rules. Also check which drivers, uses and countries are included. Report changes in use as required by the contract. A low premium is of limited use if the agreed vehicle use does not match your everyday life.
Roadside assistance and replacement cars deserve separate checks: which events trigger help, where does it apply and how long is a replacement car paid for? Review benefits already provided by a motoring club or other contracts before choosing additional cover.
Gross negligence cover is not unlimited. Example: AXA's motor conditions dated 10.2025 exclude, under that extension, driving while intoxicated or unfit to drive and particularly serious speeding, among other cases. Other contracts can differ; your own policy conditions determine the cover.
Your cover and mobility checklist
Record the vehicle's value, ownership or leasing, annual mileage, regular drivers and frequent destinations. Set out the deductible you could pay at short notice and how urgently you would need another car after a claim.
Gather the policy, current premium invoice, leasing agreement and existing assistance benefits. Mark open questions about parking damage, glass, total loss, gross negligence and replacement transport. This overview gives the advisory conversation a clear starting point and shows which benefits are your priorities.
A comparison you can understand
Start with the protection you want, then compare suitable quotations using the same information. Ask about the premium, deductible, exclusions, contract duration and cancellation deadline. Request an explanation of the recommended cover and of the financial losses you would choose to fund yourself.
Untied intermediaries must disclose compensation. See the initial information provided under Article 45 of the Swiss Insurance Supervision Act, VAG.
Clear answers to your questions
Do I need full cover for an older car?
That depends on the vehicle's value, repair costs, financial reserves and any leasing requirements. Consider whether you could fund damage you cause yourself or pay for a replacement.
Is parking damage automatically included?
Do not rely solely on the comprehensive label. Check which parking damage is insured, whether an extension is needed and which deductibles or limits apply.
Can I change insurer immediately?
Check the contract and any applicable grounds for cancellation. Coordinate cancellation, the new start date and insurance certificate so the required liability cover is in place when changing cars or insurers.
Discuss car insurance
Your car is part of everyday life. We review protection that fits the vehicle, its use and your budget, so you understand the cover, deductibles and what to do after a claim.