Whether your car represents a simple means of transport, a working tool, a hobby or a way of escape, in every case our insurance products offer adaptability of use and à la carte protection.
Dented bodywork? An accident happened sooner than you expected, and what do you do if someone is injured? We make sure you are well covered. You determine your insurance cover and the amount of premium, according to your personal needs, so that your travel never becomes a problem.
CIVIL LIABILITY INSURANCE (COMPULSORY)
Civil liability insurance offers a maximum cover of up to CHF 100 million against third party claims (material damages and bodily injury) they could cause with their insured vehicle.
It also protects them against unjustified third party claims (acts as passive legal protection) and indemnifies justified claims.
COMPREHENSIVE
Damage resulting from a collision that is caused by a violent and sudden external impact, and in certain cases, by a crash, collision, overturning, fall or by getting stuck in the mud, and even when it results from normal activities, breakages or wear and tear.
Damage caused by pranks or third party vandalism and vehicle distortion through overturning, loading and unloading, even without exterior influences, is also covered. A fully comprehensive insurance includes both collision and partial insurance cover.
PARTIAL INSURANCE
With partial cover, you insure your vehicle against theft, fire and the forces of nature (flood, hail, storm, avalanche, stone fall, collapse of rocks, landslip, ice fall, pressure of snow, fall of a mass of snow, high waters, aircraft crash or the breaking away of its parts), collision with an animal, broken windows and vandalism.
As an option, partial insurance also allows you to insure your travel effects and to cover yourself against damages caused by martens and damage caused to parked cars.
ACCIDENT
Our partners pay indemnities in case of death, invalidity, temporary disability, and a daily hospital allowance, during any period of hospitalisation. The benefits are provided immediately after an accident, even if the question of responsibility has not yet been resolved.
The breakdown service applies to an insured vehicle with a maximum weight of 3,500kg and covers the organisation, intermediation and expenses in case of an emergency. The benefits include on the spot breakdown service, towing, replacement of small components, a replacement vehicle for the duration of the repairs, costs of extraction from wreckage etc. The breakdown service is provided in Switzerland and Europe.
LEGAL PROTECTION
Legal protection insurance offers cover in case of litigation in your capacity as owner, operator, driver or passenger of the insured vehicle or during claims processes or debt disputes. The rights of patients and those related to contracts associated with vehicles and the renting of a garage are also covered.
Legal protection is valid in Switzerland and Europe. The modules are complementary. Bonus guarantee is included. Under civil liability and collision, the bonus is protected during a first accident case, and a premium increase is thus avoided. The bonus guarantee can be selected at each premium level. Cover for serious offences is available for all drivers.
Civil liability: in case of damages under civil lability, caused by a serious offence, the insurance company renounces its right to appeal against you as the instigator of the accident or to demand that you participate in the costs of the accident.
Collision: in case of damages in a collision due to a serious offence, the insurance company renounces its right to reduce the benefits in your favour as the injured party.
BONUS GUARANTEE
Under civil liability and collision, the bonus is protected during the first accident case, thus avoiding a premium increase. The bonus can be selected at each premium level.
COVER FOR SERIOUS OFFENCE
Cover for serious offences is available for all drivers.
DAMAGE TO PARKED VEHICLES
Damage occurring to parked vehicles by unknown motor vehicles or bicycles is insured.
TRAVEL EFFECTS
The deterioration or destruction of objects transported for the personal needs of the occupants/users (travel effects) during an accident involving vehicles, are insured. The theft of these effects is also covered, as long as at the time of their removal they were in the car, which was fully locked or they were in locked containers fixed to the vehicle fitted with an anti-theft device..
The MyProject specialists will advise you on the most suitable insurance for your needs and will answer all your questions about your motor car insurance.
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