# Swiss Car Insurance Guide 2026

## 1. Haftpflicht
Mandatory third-party liability. Required to register a vehicle.

## 2. Vollkasko
For vehicles under 7 years. Combines Teilkasko + collision cover.

## 3. Grobfahrlässigkeitsschutz
Prevents insurer reclaiming up to 60% after negligent accidents.

## 4. Parkschaden PLUS
Covers anonymous parking damage.

## 5. Bonusschutz
Keeps your premium level after a claim.

## 6. Zeitwertzusatz
Pays original purchase price on total loss, not depreciated value.