With PostFinance car insurance, you can enjoy trouble-free driving in your vehicle at all times Thanks to the variety of options available, you’re able to customize your cover to your individual needs and benefit from attractive additional cover.
Discover which services are included in our basic coverage, and expand our liability insurance with partial or fully comprehensive insurance based entirely on your own needs.
Liability insurance
Liability insurance is required by law and covers damage that you cause to other people, vehicles, buildings or the environment.
Partially comprehensive insurance
Partial comprehensive insurance covers damage caused by natural hazards, fire and theft, as well as glass damage to your vehicle.
Fully comprehensive insurance
Fully comprehensive insurance extends your partially comprehensive insurance to include coverage for collision damage.
Additional coverages
With our selection of additional coverages, you can expand your protection in line with your own needs.
Gross negligence coverage
The insurance company will refrain from recourse or a reduction in benefits in the event of damage caused by gross negligence.
The Company waives its right of recourse or reduction in benefits to which it is entitled by law if the insured event has been caused through gross negligence. This does not apply if the driver has caused the incident under the influence of alcohol or drugs or due to the misuse of medication, if the insured incident was or may have been caused intentionally by an insured person, if the claim was caused due to excessive speed or participation in an unauthorized race and, in the event of theft, if the vehicle was not locked or if the keys were left in the ignition.
More information can be found in the The link will open in a new window GTCI.
Breakdown assistance
We help drivers throughout Europe if they experience a vehicle breakdown, lose their keys or run out of petrol.
Events and benefits covered (extract):
Towing and repair up to CHF 400
Storage costs up to CHF 300
Vehicle salvaging up to CHF 2,000
Delivery of spare parts if they cannot be obtained on-site
Expertise up to CHF 200 if the repair invoice appears unjustified
Costs for the continuation of the journey or return to place of residence: either accommodation, meals and communication costs for calls to the alarm center (for a maximum of seven days) up to CHF 700 per person or up to CHF 1,000 if a rental car is used, regardless of how many people use the rental car
Retrieval of the vehicle
This is subject to the vehicle used by the insured person from their place of residence being involved in a traffic accident or breakdown or being stolen within Europe. The insurance is provided in cooperation with the insurance company TAS Versicherungen AG. More information can be found in the The link will open in a new window GTCI.
Current value supplement
Following a total loss, the current value of the vehicle plus a supplement is compensated.v
Find out more
With this option, you will be compensated for the current value of the vehicle plus a supplement following a total loss. Compensation for a total loss is based on the catalogue price and calculated using the following scale:
1. Year of operation 100%
2. Year of operation 100%–90%
3. Year of operation 90%–80%
4. Year of operation 80%–70%
5. Year of operation 70%–60%
6. Year of operation 60%–50%
7. Year of operation 50%–40%
From the 8th year of operation: current value plus 10%
Covers damaged or broken headlights, tail-lights, indicators, bulbs and LEDs.
Coverage for the breakage of vehicle components made of glass, including small components such as headlights, indicators, etc. Materials that serve as a replacement for glass are also included. Light bulbs and LEDs are also insured, provided they were damaged as a result of glass breakage. Damage caused by internal defects is not covered, and neither is damage to navigation systems, sensors or radars.
Weitere Informationen finden Sie in den AVB.More information can be found in the The link will open in a new window GTCI.
Parking damages
Covers damage caused by unknown individuals to your parked vehicle.
Damage caused by unknown third parties to a declared vehicle while it is parked and locked. A maximum of two claims are paid per calendar year, depending on the date of damage. The insured amount for parking damage cover is listed in the policy. More information can be found in the The link will open in a new window GTCI.
Personal accident insurance
Cover for consequential damage caused by an accident to vehicle passengers (including dogs and cats).
Benefits covered in the event of accidents in which the occupants of the insured vehicle are injured or killed:
Treatment costs (unlimited for max. 730 days, including hospital and health resort stays in private wards)
Daily hospital allowance (limited to 730 daily allowance payments and CHF 160 per day)
Daily allowance in the event of incapacity to work (limited to 730 daily allowance payments and CHF 25 per day for 100 percent incapacity to work)
Disability (percentage based on degree of disability) limited to CHF 75,000.
Death (CHF 50,000 for the insured person paid to the spouse, registered partner, or children or other persons fully or partially supported by the insured person)
Protects personal items in the vehicle against theft or damage as a result of a collision.
Coverage includes: damage, destruction and theft of items carried in the vehicle for personal use by the occupants, provided damage was caused to the insured vehicle or the insured vehicle was locked at the time of the theft. Coverage does not include: cash, credit cards, driving licences and subscriptions/memberships, securities, savings books, precious metals, coins and medals, unset precious stones and pearls, jewellery, sound and image media, data processing hardware and software, portable telephone and radio telephone equipment, radio and TV sets, fax machines, trade merchandise and items used for professional purposes. Subjective values will not be compensated. More information can be found in the The link will open in a new window GTCI.
Vehicle legal protection
Covers legal disputes that arise from the use of the insured vehicle.
Coverage includes the owners/policyholders, drivers and passengers of the insured vehicle. Benefits covered (extract):
Representation of legal interests by the Assista legal service up to a maximum of CHF 300,000 per claim
Assumption of the costs for any lawyers, mediators and experts engaged
Procedural and court costs and court-awarded compensation
Advance payment for bail to avoid pre-trial detention
The insurance is provided in cooperation with the insurance company Assista Rechtsschutz AG.
More information can be found in the The link will open in a new window GTCI.
CO2 option
Support environmental projects with every kilometre you drive by offsetting your CO2 emissions.
Help protect the climate by selecting the CO2 option. Play your part in protecting the environment and offset your CO2 emissions for each kilometre travelled. By selecting the CO2 option, you’ll support a conservation project run by our partner south pole. The “Kariba REDD+ Waldschutz” project aims to protect 784,987 hectares of forest in Zimbabwe and the wildlife that lives there. The project area is located on the southern banks of Lake Kariba in Zimbabwe amidst four national parks and eight safari reserves. The project protects a vast biodiversity corridor with an extensive rainforest and many endangered animals, including African elephants, lions, hippopotamuses, lappet-faced vultures and southern ground hornbills.
More information can be found in the The link will open in a new window GTCI.
Premium calculator
Calculate your premium with ease and without any obligation to purchase. We always assume the very lowest premium level.
Calculate your The link will open in a new window premium online with the PostFinance premium calculator. The quotation is valid for 30 days and can be accepted at any time.
It is best to have your current vehicle registration document or key vehicle information and your driving licence to hand.
Take out your PostFinance car insurance online in just a few minutes by accepting the insurance conditions in your online quotation and clicking on “Finish now”.
You will promptly receive a confirmation e-mail from us with a link. Please enter the relevant information for your proof of insurance here.
In order to take out a new car insurance policy, you will need to cancel your current policy. To do so, find out the notice period for your current policy. You can find the conditions either in the policy or the General Terms and Conditions of Insurance (GTCI).
This step is not required if you are planning to register the vehicle in your name for the first time (vehicle purchase).
Once you have provided all the necessary information, we will send your proof of insurance to the driver and vehicle licensing office in your canton before your coverage commences. We will notify you of this by e-mail so that you can register/reassign your vehicle.
We recommend visiting the relevant driver and vehicle licensing office to do this in person four to five days before your coverage commences.
If you wish to register your vehicle by post, please contact the relevant driver and vehicle licensing office.
Please ensure you have all the necessary documents to hand:
if you are changing policies: the original vehicle registration document
if you are purchasing a used vehicle: the original vehicle registration document so it can be cancelled
if you are purchasing a new vehicle: audit report form 13.20A
Your coverage will commence automatically once you have registered/reassigned your vehicle at the relevant driver and vehicle licensing office.
As soon as PostFinance receives confirmation of this from the driver and vehicle licensing office, all the contractual documents will be sent to you by post.
You can register in PostFinance’s online cockpit at any time to ensure you have round-the-clock access to your insurance information.
The online cockpit provides help with PostFinance car insurance.
The most frequent driver must be 20 years of age or older
The most frequent driver must have obtained a driving licence at least two years ago
Date: when purchasing a new or used vehicle or when changing insurer by giving due notice to the previous insurer
Current domicile in Switzerland
Provision of a valid mobile phone number (required for communication and login)
There is no requirement to have an account with PostFinance.
The insurance policy covers privately used passenger vehicles such as saloon cars, estate cars, hybrids, convertibles and family cars.
Currently, non-insurable vehicles include vehicles that are 20 years old or more on the date of signature of the insurance contract and vehicles for business use (company vehicles), motorcycles, certain commercial vehicles, high-performance vehicles (proportion of horsepower to weight) and vehicles with a very small number of registrations (speciality vehicles).
It may be the case that a vehicle is viewed as a passenger vehicle, but is classified by the manufacturers as a commercial vehicle (e.g. VW T6). These vehicles can be insured depending on the vehicle type. Insurable vehicles can be selected on the insurance portal.
An existing insurance policy with a previous insurer can be terminated by giving due notice, with effect from the end of the specified contractual period. The conditions can be found either in the policy or in the General Terms and Conditions of Insurance (GTCI). Usually, the notice period is three months before the end of the annual contract term. If the contract is not cancelled, it will normally be extended by a further year. In some cases, there are also non-cancellable multi-year contracts.
In the following cases, the insurance can be cancelled during the course of the year:
If you replace your old vehicle with a new one, for example, the insurance for the old vehicle can be cancelled. Let the current insurance provider know quickly, so that they can terminate the contract and refund on a pro rata basis the annual premium that has been paid in advance. No premium can be refunded in the event of total loss.
If the premium changes If the insurer changes the amount of the premium or the excess, or if they reduce the benefits, you can cancel with effect from the date of the contract amendment. The notice of termination must have been received by the insurer before the new premium applies.
If there is a change of owner If there is a change of owner, the comprehensive insurance cover will cease. The personal liability insurance cover will be transferred to the new owner, however. The new owner may cancel this within 14 days of the transfer. The old personal liability insurance expires once the new party is entered on the registration document. Some insurers do not accept a transfer within the family as a reason for termination.
In the event of a claim If the insurer pays compensation in the event of a claim, you may terminate the policy. The deadlines are governed by the General Terms and Conditions of Insurance (GTCI). The liability of the insurer ends 14 days after the notice of termination is received. If the contract has been in force for longer than one year and the damages do not constitute a write-off, you will receive the prepaid annual premium back on a pro rata basis.
The detailed information on basic coverage, additional coverage and the contractual conditions can be found in our General Terms and Conditions of Insurance (GTCI). Read through this document before signing the contract and contact our Support if anything is unclear.
In principle, with PostFinance car insurance all other drivers are insured according to the agreed coverage, provided you have consented to their use of the vehicle.
Please note, however, that the excess for drivers under the age of 25 and new drivers (drivers who have had their driving license for less than three years) increases by CHF 1,000 in addition to the agreed excess. This applies to liability and collision events. The partial cover excess is not affected.
If the vehicle is registered before the commencement of cover date that is indicated in the policy, the vehicle will be insured starting from the commencement of cover date. If the vehicle is registered after the commencement of cover date that is indicated in the policy, the vehicle will be insured starting from the date of registration of the vehicle.
The insurance discount applies to all PostFinance property insurance (car, motorcycle, travel and legal protection insurance) if you have a SmartPlus banking package as an individual (banking packages in the name of several people do not qualify for the discount). It does not apply to property insurance for which Great Lake Insurance SE is involved as the insurer. The discount is granted only once per insurance policy on an annual net premium (excluding taxes, duties, etc.) and is credited to your PostFinance private account within three months. The discount lapses or is not granted if your banking package is changed from Smart to SmartPlus and back within two years and/or if the policy is terminated and a new policy is taken out for the same insurance object.
As a rule, insurance companies require the notice of termination to be signed in person by the policyholder. Unfortunately, this means that we cannot take care of the cancellation process for you.
However, we are happy to help you by providing a ready-made cancellation letter template. All you need to do is add a few details before sending it to your insurer.
We try to always offer our customers the best service at fair prices. Consequently, we do not automatically increase premiums in the following year.
PostFinance car insurance has only recently entered the insurance market. In this initial phase, its range of services is therefore still limited. For example, we do not currently offer insurance solutions for exchangeable license plates.
We are constantly assessing possible additional services and product enhancements that we will be able to offer our customers at a later date.
We are one of the few providers who no longer have a bonus/penalty system, so there is no need for bonus protection insurance. Compared with other insurance companies, it’s as if you remain constantly at the lowest bonus level.
We integrate premium protection into every policy free of charge: this means that there is no automatic premium adjustment in the event of a claim, so you don’t have to worry about your premium increasing following a claim.
In our online process, the difference between your date of birth and the date on which you obtained your driving license must be at least 18 years. In certain cases, however, it is possible for a person to obtain their driving license before the age of 18. In this case, the date on which you obtained your driving license must be adjusted in the online process so that the difference is at least 18 years. Upon signature of the insurance contract, you can then inform us of the actual date so that we can enter it correctly in your policy.
This may be because we are currently unable to insure all brands and models. In this case, you are welcome to contact our Support so that this can be assessed in more detail.
If the make and model are available in the online process, but you cannot find a specific model type, you can select another model type of the same model that:
has the same horsepower (HP) as your model type
has a similar price when new as your model type
If you are unsure about this, our Support will be pleased to help you.
The offer for your PostFinance car insurance is valid for 30 days. You can complete the insurance agreement at any time during this period.
The commencement of cover date chosen for the insurance policy can be up to five months after the date on which the offer was calculated. If, for example, the offer is calculated on 1 January, you can choose a commencement of cover date of 1 June.
If you do not know the serial number of the vehicle when you are answering the additional questions for proof of insurance (after taking out the insurance), as can be the case for imported vehicles, for instance, the chassis number can also be used for the proof of insurance. Support will be happy to provide further assistance.
The insurance is valid in Europe and in countries bordering the Mediterranean (see the country list on the green insurance card). Fully comprehensive insurance and passenger accident cover, as well as a breakdown service (assistance insurance), is also provided in Kosovo.
TONI Digital Insurance Solutions AG acts as the fixed insurance broker for the insurance companies listed below. PostFinance acts as the marketing partner of TONI and sells the motor vehicle insurance products online from the insurance companies listed below.
Information about the change of insurance provider:
On 8 January 2024, PostFinance car/motorcycle insurance will change its insurance provider for liability insurance and partial and comprehensive collision insurance. For all liability insurance and partial and comprehensive collision insurance policies taken out based a quotation calculated from 8 January 2024 onwards, ipitQ EMEA P&C S.A. will be the insurance provider. For all liability insurance and partial and comprehensive collision insurance policies already in place before 8 January 2024 or taken out based on a quotation calculated before 8 January 2024, Great Lakes Insurance SE will be the insurance provider. TAS Versicherungen AG will remain the contractual partner for the breakdown service (roadside assistance insurance), and Assista Rechtsschutz AG will remain the contractual partner for vehicle legal protection insurance.
The contract documents (policy and “green insurance card”) will be sent to you electronically or saved in your customer cockpit as soon as we have received confirmation of registration from the road traffic department. You can choose to have invoices sent to you electronically or to receive printed copies by post. You can make your selection directly during the onboarding process. You will then receive your invoice annually upon automatic renewal. In special cases it can take up to four weeks for the documents to be delivered, as we are dependent on electronic data transmission from the Swiss road traffic departments in order to issue the policy documents and the invoice.
More and more drivers are placing their trust in PostFinance car insurance. We look forward to counting you as one of our satisfied customers soon.
Best legal protection insurance in Switzerland 2024
HZ Insurance, Handelszeitung and PME magazine have presented our partner Assista Rechtsschutz AG with the “Top Insurance 2024” award for private and traffic legal protection.
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