car vehicle insurance: customised benefits for your car
Sympany’s vehicle insurance is for everyone – drivers who forget to use mirrors when parking, drivers who bungle the reverse gear, victims of marten bites and all other drivers who are at the wrong place at the wrong time. You can decide the extent of your cover yourself. These are the maximum amounts you can receive in the event of a breakdown or an accident:
Compulsory liability insurance protects you against the financial consequences of damage you have caused – to other people’s vehicles, objects or persons.
Excess:
- Can be selected anywhere from CHF 0 up to CHF 10,000
- Undeclared drivers under 25 years of age: + CHF 1,000
|
Personal injury and property damage |
Up to CHF 100 million |
|
Premium protection |
No bonus levels – no premium increase after a claim |
|
Defence against unjustified claims: passive legal protection |
Covered, no excess |
Third party, fire and theft insurance covers the costs of unforeseeable damage to your vehicle that you have not caused yourself.
Excess: flexibly selectable from CHF 0 up to CHF 5,000
|
Natural phenomenon, fire, |
Covered |
|
Glass breakage |
|
|
Partial damage |
Repair costs covered |
|
Write-off |
|
|
Items carried |
Selectable:
|
| Motorcycle safety clothing | Selectable from CHF 0 up to CHF 5,000 |
Provides third party, fire and theft insurance cover as well as the costs of self-caused damage (collision) to your own vehicle.
| Collision events |
Covered Excess: flexibly selectable from CHF 0 up to CHF 10,000 |
|
Parking damage |
|
|
Premium protection |
No bonus levels – no premium increase after a claim |
All occupants are insured in the event of accidents in connection with the use of the vehicle.
All benefits apply for each person. Benefits are paid immediately, in other words, before the clarification of guilt. Disability and death benefits are paid in addition to benefits from liability insurance and other accident insurances.
|
Medical expenses |
Outpatient and inpatient treatments (private ward, single room) |
| Treatment costs for pets carried with you | Up to CHF 2,500 per animal, max. CHF 5,000 per event |
|
Daily allowance |
|
|
Disability capital |
Optional, one-off:
|
|
Death benefit |
Optional, one-off:
|
In the event of grossly negligent conduct (such as failure to comply with a stop sign or a red traffic light), we waive any reduction in benefits/recourse. This does not apply to offences committed under the influence of alcohol, drugs or medication as well as speeding.
In the event of breakdowns, traffic accidents or theft, you will receive immediate help via the 24-hour emergency phone. Any time. Throughout Europe.
|
Breakdown service, towing, recovery |
|
|
Accommodation costs |
If return or onward journey is not possible on the same day
|
|
Mobility and return journey (replacement/hired car, public transport, taxi, etc.) |
|
| Return of vehicle, delivery of spare parts |
Covered |
Please also note the General Terms and Conditions of Insurance.