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Is your car insurance costing you too much?

In Switzerland, vehicle insurance premiums vary two-fold for identical coverage. We compare the entire market for you.

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⭐ 4.9/5 · Over 1'250 clients assisted in Switzerland

Vehicle insurance: a complex market and avoidable over-premiums

  • Premiums vary enormously by insurer, vehicle type and driver history
  • The difference between partial and comprehensive casco is often misunderstood at claim time
  • Bonus-malus clauses and deductibles can double the real cost of a claim
  • Young drivers and drivers with past claims sometimes pay excessive over-premiums
  • Many policyholders don't know that older vehicles benefit from special conditions

This service is right for you if…

You haven't compared your car insurance in over 2 years
You've just bought a new or second-hand vehicle
You want to understand whether comprehensive casco is worthwhile for your vehicle
You're a young driver or have a claim history
You own multiple vehicles (car, motorbike, motorhome)
You want to reduce premiums without weakening your coverage

A complete analysis of your vehicle situation

  • → We analyse your vehicle, driver profile and claim history
  • → We compare offers from all major car insurers (AXA, Zurich, Allianz, Mobiliar, Vaudoise, etc.)
  • → We advise you on the optimal level of coverage (third-party liability, partial casco, comprehensive casco)
  • → We optimise deductibles to reduce the premium without increasing your financial risk
  • → We manage the cancellation of the old policy and the subscription of the new one
Start my free analysis →

What we optimise for you

Third-party liability (compulsory)

Liability covers damage caused to third parties. Ceilings and ancillary guarantees vary by insurer.

Partial vs. comprehensive casco

We calculate the break-even point based on your vehicle's value to choose the right coverage level.

Deductible optimisation

A higher deductible reduces the monthly premium. We calculate the optimal balance for your profile.

Driver protection

In the event of an at-fault accident, driver protection covers your own bodily injuries – often overlooked.

Additional drivers

Partner, children, young drivers – we optimise family coverage without excessive over-premiums.

Replacement vehicles

Classic car, campervan, dream car: some coverage is very specific.

Common mistakes to avoid

  • ✗ Keeping comprehensive casco on a depreciated vehicle whose value no longer justifies this cover
  • ✗ Choosing too low a deductible on an old vehicle and paying a disproportionate premium
  • ✗ Not informing the insurer of a regular additional driver (risk of refusal in the event of a claim)
  • ✗ Forgetting to cancel the old policy when switching – and paying two insurances simultaneously
  • ✗ Not declaring a vehicle modification (wheels, lowering, sport equipment) that could invalidate coverage
  • ✗ Ignoring multi-risk offers (car + home + liability) that can offer significant discounts

Our step-by-step process

01

Vehicle information gathering

5 min

Make, model, year, mileage, value, claim history and driver profiles.

02

Market comparison

24–48h

We obtain offers from all insurers and compare them according to your coverage criteria.

03

Personalised recommendation

20 min

We present you with 2–3 best options with detailed analysis of coverage and savings.

04

Insurer change

1 week

We manage cancellation, new subscription and date coordination to avoid any coverage gap.

What our clients say

"I still had comprehensive casco on my 10-year-old car. Marc-Antoine advised switching to partial casco and found a better rate. Immediate savings."

Jean-Pierre V.

Zurich

−CHF 420/year

"By switching insurer for identical coverage, I save over CHF 25 per month. The whole process was handled by EVO."

Laura M.

Geneva

−CHF 310/year

"After a collision, I realised my deductible was optimal – exactly as Marc-Antoine had calculated. The claim was settled without any surprises."

Samuel B.

Bern

Claim handled perfectly

Ready to optimise your vehicle insurance?

Free analysis · No commitment · Reply within 24–48h

Book an appointment → +41 76 779 0449

Frequently asked questions

Partial casco covers damage independent of your fault: theft, fire, hail, glass breakage, collision with an animal. Comprehensive casco also covers damage caused by your own fault (accidents for which you are responsible). It is recommended for recent or high-value vehicles.

As a general rule, when the market value of the vehicle is less than 10 times the annual comprehensive casco premium, it is more economical to switch to partial casco. We do this calculation for you.

Third-party liability covers all of Europe (Green Card). Casco may be limited to Switzerland or extended depending on your policy. For frequent travel outside Europe, a specific extension may be required.

In Switzerland, you can cancel your car insurance annually, with 3 months' notice before the due date. In the event of vehicle sale or permanent departure abroad, you have a right of extraordinary cancellation.

Yes, absolutely. Every vehicle registered in Switzerland must be compulsorily insured with third-party liability. Driving without liability insurance is illegal and exposes you to criminal sanctions as well as unlimited financial liability in the event of an accident.

Marc-Antoine Segui

+41 76 779 0449
Free appointment →