In Switzerland, casco insurance (car and motorcycle insurance) is available in several packages, offering different levels of protection for your vehicle.
Below we present the most common casco types, their coverage and main advantages.
1. Full casco (Vollkasko)
- The highest level of vehicle insurance in Switzerland.
- A popular choice for owners of new or high-value vehicles.
- Covers accidents (including those caused by the driver), theft, fire, glass damage, vandalism, and weather-related damages.
- Higher premium, but maximum protection.
2. Partial casco (Teilkasko)
- Mid-level protection at a more affordable price.
- Covers theft, fire, storms, glass damage, and similar risks.
- Does not automatically include damages caused by the driver.
3. Additional casco (Zusatzkasko)
- Extra options such as parking damage or night-time incidents.
- Special coverage for accessories (e.g. bike carriers, roof racks).
4. Self-caused damage coverage (Selbstverschulden)
- Covers accidents caused by the driver.
- Included in full casco, optional for partial casco.
Summary: The details and premiums of casco insurance depend on the insurer and the type of vehicle. It is worth carefully reviewing the options to ensure the selected package fits your needs and budget.
