Drive with confidence in Geneva

Simple, transparent car insurance advice tailored to your needs in Geneva

How we help you with car insurance

01

We analyze your situation

Your car, your residency status, your driving history, your budget.

02

We explain your real options

What is mandatory, what is optional, and what you really need — without insurance jargon.

03

We find the best coverages

We look beyond price: coverage gaps, exclusions, and claims handling.

04

We stay with you after signing

Changes, claims, questions — you always have one contact.

How car insurance works in Switzerland?

Car insurance in Switzerland can be confusing for expats, but it doesn’t have to be. At Genevainsurance.ch, we simplify the process, helping you choose the right coverage for your car, your lifestyle, and your peace of mind.

From mandatory liability (RC) to Partial and Full Casco, we explain every option clearly, so you can stay protected without overpaying. With our guidance, Swiss car insurance becomes straightforward, transparent, and stress-free.

Civil liability

Civil liability insurance is the foundation of car insurance in Switzerland.
It is legally mandatory for every vehicle and covers damage you cause to other people, vehicles, or property while driving. Without it, your car simply cannot be registered.

For many expats, this coverage is often misunderstood.
It protects others — not your own car. That means if you damage your vehicle or if it’s stolen, civil liability alone will not help. Understanding its limits is essential to avoid unpleasant surprises after an accident.

We help you choose the right level of protection from the start.
Deductibles, coverage limits, bonus-malus systems — we explain what really matters for your situation in Geneva and make sure your policy fully complies with Swiss law.

Partial casco insurance protects your car against risks you can’t control.
This includes theft, fire, glass damage, natural events (hail, floods), animals, and vandalism. It’s not mandatory, but for many cars in Switzerland, it’s a smart layer of protection.

Expats often underestimate how useful partial casco can be.
Parking on the street, weather damage, or theft are common situations in Geneva. Without partial casco, these costs are entirely out of your pocket — even if you did nothing wrong.

We help you decide if partial casco makes sense for you.
Depending on your car’s value, age, parking situation, and budget, we explain when partial casco is worth it — and when it isn’t.

Full casco insurance includes collision coverage for your own vehicle.
It covers damage to your car even when you are responsible for the accident — something neither civil liability nor partial casco will do.

In Switzerland, full casco is mandatory for leased vehicles.
If your car is financed through leasing, this coverage is required by the leasing company. Even without a legal obligation, full casco is often relevant for newer or high-value vehicles. The key is finding the right balance between protection and cost.

We help you avoid being overinsured or underinsured.
Deductibles, repair conditions, claim handling — we guide you through the details and help you choose a solution that fits your real needs, not just a generic package.

Additional coverages allow you to adapt your car insurance to your real life.
Beyond basic and casco coverage, Swiss car insurance offers complementary options that protect you in specific situations — often the ones expats don’t anticipate.

These coverages can make a real difference in case of a problem.
Roadside assistance in Switzerland or abroad, accident coverage for vehicle occupants, legal protection, or extended coverage for claims outside Switzerland can save you time, money, and stress when something unexpected happens.

We help you choose only what is truly useful for you.
Depending on how often you drive, where you travel, and who is in your car, we explain which additional coverages add real value — and which ones you can safely skip.

How car insurance works in Switzerland?

Car insurance in Switzerland can be confusing for expats, but it doesn’t have to be. At Genevainsurance.ch, we simplify the process, helping you choose the right coverage for your car, your lifestyle, and your peace of mind.

From mandatory liability (RC) to Partial and Full Casco, we explain every option clearly, so you can stay protected without overpaying. With our guidance, Swiss car insurance becomes straightforward, transparent, and stress-free.

Understanding Liability Insurance (RC)

Civil liability insurance is the foundation of car insurance in Switzerland.
It is legally mandatory for every vehicle and covers damage you cause to other people, vehicles, or property while driving. Without it, your car simply cannot be registered.

For many expats, this coverage is often misunderstood.
It protects others — not your own car. That means if you damage your vehicle or if it’s stolen, civil liability alone will not help. Understanding its limits is essential to avoid unpleasant surprises after an accident.

We help you choose the right level of protection from the start.
Deductibles, coverage limits, bonus-malus systems — we explain what really matters for your situation in Geneva and make sure your policy fully complies with Swiss law.

Understanding partial casco

Partial casco insurance protects your car against risks you can’t control.
This includes theft, fire, glass damage, natural events (hail, floods), animals, and vandalism. It’s not mandatory, but for many cars in Switzerland, it’s a smart layer of protection.

Expats often underestimate how useful partial casco can be.
Parking on the street, weather damage, or theft are common situations in Geneva. Without partial casco, these costs are entirely out of your pocket — even if you did nothing wrong.

We help you decide if partial casco makes sense for you.
Depending on your car’s value, age, parking situation, and budget, we explain when partial casco is worth it — and when it isn’t.

Understanding Liability Insurance (RC)

Full casco insurance includes collision coverage for your own vehicle.
It covers damage to your car even when you are responsible for the accident — something neither civil liability nor partial casco will do.

In Switzerland, full casco is mandatory for leased vehicles.
If your car is financed through leasing, this coverage is required by the leasing company. Even without a legal obligation, full casco is often relevant for newer or high-value vehicles. The key is finding the right balance between protection and cost.

We help you avoid being overinsured or underinsured.
Deductibles, repair conditions, claim handling — we guide you through the details and help you choose a solution that fits your real needs, not just a generic package.

Understanding Liability Insurance (RC)

Additional coverages allow you to adapt your car insurance to your real life.
Beyond basic and casco coverage, Swiss car insurance offers complementary options that protect you in specific situations — often the ones expats don’t anticipate.

These coverages can make a real difference in case of a problem.
Roadside assistance in Switzerland or abroad, accident coverage for vehicle occupants, legal protection, or extended coverage for claims outside Switzerland can save you time, money, and stress when something unexpected happens.

We help you choose only what is truly useful for you.
Depending on how often you drive, where you travel, and who is in your car, we explain which additional coverages add real value — and which ones you can safely skip.

Why expats trust us

Moving to Switzerland and setting up car insurance can be confusing. Different insurers, unfamiliar terms, and strict regulations make it easy to make costly mistakes. 

Not sure which car insurance you need?

Get clear advice before choosing.

FAQ

Find answers to the most common questions about car insurance

Is your service free?

Yes. Our advice and support are free of charge for clients. We are paid by insurance companies, with no impact on your premiums.

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Click Get Started or book a free call.

It depends on your situation — we assess it during a free consultation.

Yes. We handle the entire switching process for you — paperwork, deadlines, and communication with insurers.

Absolutely. We specialize in solutions for independent professionals.

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