Swiss Car Insurance: Car insurance premiums in Switzerland are set to climb again in 2026. Insurers point to rising repair costs, more severe weather events and pricier spare parts, in short, “claims inflation” – as the main drivers behind the increases. Several major insurers told a recent Comparis survey they plan to raise premiums next year.
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Five practical ways to lower your Swiss car insurance premium before renewal
Here are five steps that consistently deliver savings in Switzerland. I explain each, show how it works, and give a compact example so you can judge the impact.
1. Increase your deductible: Swiss Car Insurance
What it is: The deductible (franchise) is the amount you pay yourself before the insurer covers the rest of a claim. Choosing a higher deductible lowers your premium because you accept more of the small-loss risk.
Why it helps: Swiss insurers explicitly advertise premium reductions for higher franchises; it’s one of the fastest levers to pull.
2. Protect or keep your No-Claims Bonus (NCB) / use “bonus protection”
What it is: Swiss insurers use a bonus/malus (no-claims) system that rewards claim-free years with lower premiums. “Bonus protection” is an optional add-on that prevents loss of bonus after one small claim.
Why it helps: Preserving your bonus (or buying protection) can be cheaper than the cost of a premium jump after a single claim. AXA and other Swiss insurers offer explicit bonus-protection options.
3. Compare, switch and negotiate – don’t accept renewal automatically
What it is: Use comparison services (e.g., Comparis, Moneyland) to check competing offers and negotiate with your current insurer.
Why it helps: Many Swiss drivers overpay because they renew without checking the market. Comparis’ recent survey shows many insurers plan increases, and comparison tools can reveal which companies are offering better pricing/discounts.
4. Reduce optional coverage and tailor protection to your car’s age
What it is: For older cars, full comprehensive (Kasko / casco) may be cost-ineffective. Consider limiting cover to third-party, fire & theft, or removing add-ons you don’t need.
Why it helps: Premiums for comprehensive cover increase with car value. If the replacement cost is low, switching to lighter cover can save a lot. Moneyland and other Swiss advisory sites recommend avoiding over-insurance and choosing a level appropriate to your car’s value and usage.
5. Reduce risk profile: park securely, fit approved anti-theft devices and lower mileage
What it is: Insurers price risk — lower risk typically means lower premium. Actions you can take include parking in a locked garage, installing approved immobilisers/alarms, and declaring lower annual mileage.
Why it helps: Insurers offer discounts or more favorable pricing for vehicles in secure storage and for policyholders who drive less. They also often give discounts for fitted security devices.
Swiss Car Insurance: Actions and Expected Effect
| Action | Typical effect on premium | When it’s best |
|---|---|---|
| Increase deductible (franchise) | −10% to −30% (varies) | If you rarely claim and have emergency savings. |
| Preserve NCB / buy bonus protection | Avoids large jump after small claim | If you have many bonus years built up. |
| Compare & switch insurers | Varies — often CHF 50–300/year saved | When market shows cheaper equivalent cover. |
| Reduce cover for older car | Significant (depends on car value) | When repair/replacement cost is low relative to premium. |
| Lower mileage / improve security | 5–15% possible | If you drive much less or can garage the car. |
Conclusion
Yes, Swiss car insurance premiums are under upward pressure for 2026, driven by claims inflation and more costly claims. But you still have options. Small, concrete actions — raising a deductible sensibly, preserving your no-claims bonus, comparing offers, tailoring coverage to car age, and reducing your risk profile — can add up to meaningful savings before renewal.
Bhakti Rawat is a Founder & Writer of InsureMyCar360.com. This site Provides You with Information Related To the Best Auto Insurance Updates & comparisons. 🔗