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Created on 04.03.2020

Getting the right car insurance for your new car

You’ve bought a new car but you’re not sure about the right car insurance? It’s time to take a look at your options.

You’re looking forward to enjoying the open road in your new car? You need the right insurance to protect yourself and other road users from financial difficulties in the event of a claim. Be aware that not just traffic accidents, but also bad weather can result in unexpected damage to your vehicle. The right car insurance can save you a lot of emotional and financial hardship when something goes wrong. Follow these three steps to find the insurance package that meets your needs. 

Get an overview: what are the different types of car insurance?

Third-party insurance, that covers you if your car causes damage to other people, animals, vehicles, buildings or the environment, is mandatory. But what other types of insurance are useful? And what happens in the event of a claim if you do not have those types of insurance? This overview will help you decide what you need. 

Comprehensive insurance

Partially comprehensive insurance

Covers damage from the elements, fire, theft and glass damage

Fully comprehensive insurance

  • Requires partially comprehensive insurance
  • Includes collision damage in addition to damage from the elements, fire, theft and glass damage
  • Recommended for new cars
  • Legally required for leased vehicles

Options: as complementary protection to comprehensive insurance

Further options are available in addition to comprehensive insurance. Find out here which cases these insurance options apply to. 

Vehicle legal protection

Vehicle legal protection provides legal support in the event of disputes pertaining to the insured vehicle. What happens without this option? In the event of a legal dispute with a garage due to unsatisfactory service, you must organise and pay for your legal protection yourself.

Gross negligence coverage

With gross negligence coverage, you are protected against financial repercussions if you cause an accident through gross negligence. What happens without this option? In the event of a claim, your insurance may take recourse and reduce its services which could have serious financial consequences. 

Personal accident insurance

Personal accident coverage extends your insurance to also cover passengers (including cats and dogs) in the event of damage resulting from an accident. What happens without this option? Uninsured passengers, such as foreign citizens or people without private accident insurance will not be compensated in the event of a claim.

Roadside assistance

Roadside assistance provides speedy assistance in the event of a burst tyre or when you lose your car keys, for example. What happens without this option? In the event of a breakdown, you will have to organise and pay for your own roadside assistance. 

Stationary damage insurance

Stationary damage insurance covers the cost of a claim, when for example, you get back from shopping to find a dent in your vehicle but the responsible party is nowhere to be seen. What happens without this option? In these cases, you would have to pay all costs (fully comprehensive insurance only pays the deductible). 

“Glass breakage in headlights” insurance

This will cover you for damaged or shattered headlights, tail lights and indicators, as well as bulbs and light-emitting diodes (LEDs). What happens without this option? Claims for things like shattered headlights are not covered by fully comprehensive insurance or by third-party fire and theft insurance. You must pay the costs yourself.

“Personal belongings” insurance

This type of insurance covers “petty theft” of and damage to personal belongings in your car. What happens without this option? If for instance your smartphone is broken during an accident that was your own fault, you will have to pay for the replacement yourself.

Additional current value coverage

Additional current value coverage will cover you for the replacement value of your vehicle in the event of a write-off or theft over a certain period of time (usually two years) . Even beyond that point, compensation in the event of damage will still be higher than the standard replacement value. What happens without this option? In the event of a claim, you will only receive the determined fair value of the vehicle. For a new car, this can mean an extremely painful financial loss.

CO2 option

With the CO2 option, you can offset your CO2 emissions and support a “south pole” conservation project in Africa. What happens without this option? The CO2 emissions that your vehicle generates will not be offset. 

Make your decision: what cover do you want for your new car?

Take your time to decide what insurance cover you need for your new or second-hand car. As mentioned above, third-party insurance is mandatory before you can even drive your car on the roads. Fully comprehensive insurance and other options are non-mandatory (except for leased vehicles), but recommended at least in the first few years after purchasing a new car. 

Calculating insurance: How can I calculate my new car insurance quickly and easily?

If you want to insure your new car properly, take your time and use an The link will open in a new window online premium calculator like the one offered by PostFinance car insurance . This gives you the option to check an offer in your own time, making it easy to set up and adapt the package that suits your requirements.

With PostFinance car insurance, it is easy to report a claim by telephone or online in the customer cockpit. You can also choose which garage repairs your car.

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