What if your car was well insured — without overpaying?
In Switzerland, car insurance is mandatory for all registered vehicles.
But between deductibles, partial or full coverage, theft, collision, glass breakage, assistance, and other options, the differences between insurers can be huge — sometimes up to 40 % in price for similar coverage.
My role is to compare all available offers on the market and find the best insurance for your car, based on your driver profile, vehicle use, and budget.
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Multi-insurer comparison
I’m Mathias Sudres, an independent, FINMA-registered financial and insurance advisor, specializing in pension and insurance solutions.
I work with all major car-insurance providers in Switzerland, including
AXA, Allianz, Zurich, Helvetia, Generali, Bâloise, Groupe Mutuel, Smile, TCS, Mobiliare, and more.
My goal is to secure for you the best coverage-to-price ratio, with no hidden costs, and a protection truly adapted to your needs.
The different types of car insurance in Switzerland
1️⃣ Third-party liability insurance (RC)
Mandatory to register your vehicle.
It covers property damage and bodily injury you cause to others when responsible for an accident.
✅ Essential to drive legally
❌ Does not cover damage to your own car
2️⃣ Partial casco (comprehensive) insurance
Covers damages beyond your control, such as:
- Theft, Fire, Glass Breakage
- Marten Damage, Hail, storm
- Short-circuit or Vandalism.
Recommended for recent or mid-value vehicles.
3️⃣ Full casco insurance
Includes partial casco + damage you cause yourself (collisions, accidents where you’re at fault).
💎 Ideal for new, leased, or high-value cars.
4️⃣ Optional add-ons
- 24/7 roadside assistance in Switzerland and Europe
- Bonus protection / driver coverage
- Replacement value coverage for 3–5 years
- Courtesy car / towing coverage
- Coverage for accessories and special equipment
- Legal protection for traffic incidents
Why work with an independent broker?
Because I don’t work for any single insurer, I can objectively compare all offers on the market according to your:
- Age and Driving history,
- Vehicle type,
- Canton of Residence,
- Personal Needs.
- Transparent multi-company comparison
- Time savings — I handle all the paperwork
- Access to preferential rates
- Neutral, professional advice
- Support in case of accident or insurer change
A concrete example
For a CHF 35 000 vehicle, a driver with five years of accident-free history could save up to CHF 600 per year simply by switching insurers —
while keeping the same full-casco + assistance coverage.
Changing vehicles?
I help you transfer or adjust your policy with no interruption in coverage.
Whether it’s a lease, an electric car, or a used-car purchase, I make sure your new vehicle is fully insured from day one.
Frequently Asked Questions — Car Insurance in Switzerland
Yes — third-party liability (RC) is required to register a vehicle. Without proof of insurance, you can’t obtain license plates.
Partial casco covers damage not caused by you (theft, fire, hail, etc.). Full casco also covers collisions and accidents you’re responsible for.
Yes — generally at your annual renewal, or if: your premium increases, you change vehicle, or after an accident. I handle the cancellation and transfer process for you.
It depends on the car, driver, and canton. On average: Liability only: CHF 400–600 / year Partial casco: CHF 600–900 / year Full casco: CHF 900–1 500 / year I’ll help you find the perfect balance between cost and protection.
Contact your insurer’s 24-hour assistance line. I’ll personally help you file the claim and follow up on compensation so everything runs smoothly.
Yes — most policies cover Switzerland and Europe. Some include the international green-card extension as well.
Absolutely. It complements your car insurance perfectly by covering legal disputes after an accident, issues with garages, or unfair fines.
Most contracts cover any authorized driver, but it must be declared at policy setup to avoid surprises in case of an accident.
Yes — but a full-casco policy is mandatory. I compare the best-suited options for leased vehicles.
Yes — completely. It’s an informative, no-obligation meeting, where you’ll receive clear, unbiased advice before deciding.
Car insurance shouldn’t just be a cost — it should be a smart, tailored protection that fits your driving habits and budget.
Take 30 minutes to compare, understand, and save.
A free, no-obligation consultation is all it takes to find the best offer on the Swiss market.
