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What is included in the standard insurance?
Each contract contains its own set of services and excesses, which are calculated accordingly. A leased vehicle is usually covered by third-party liability, partial coverage and fully comprehensive insurance. The liability insurance covers damage caused by your vehicle and the partial coverage covers theft, collisions with animals, natural hazards etc. Fully comprehensive insurance covers damage to your own vehicle in accidents caused by you.
Are my vehicle accessories also insured?
This depends on the accessories. If they do not fall under fully comprehensive/partial coverage insurance, items carried in the vehicle with you are insured up to a value of CHF 2,000.
How do I submit an insurance claim?
Send the accident report or a police report, if there is one, to email@example.com. We will forward the documents to the insurance company. If our vehicle has sustained damage, take it to one of our partner workshops. The partner's invoice is sent to us and we claim this from the insurance company of the person who caused the accident.
A company's overall claims yield (the difference between premiums paid and claims paid out) is analysed by the insurance company; based on these statistics, the insurance company reserves the right to adjust the premiums accordingly. This means that if a company generates a reasonable number of claims, this should not affect the leasing premium. If an insurance company decides to increase the premium during the course of restructuring, the leasing rate will be affected.