Three policy checks
A category is not a precise coverage commitment
A sector overview can explain casco families, but it cannot replace the insurer’s own lists of risks, exclusions and benefits.
Read collision and external events separately
Check how the policy defines collision, theft, natural events, animals, glass, vandalism and assistance rather than relying on the product name.
Deductible and valuation affect claim handling
The deductible, valuation method, limits, declared accessories and evidence duties may change the treatment of a file.
Four scenarios to test against the wording
The scenarios help locate relevant clauses; they do not predict the insurer’s decision on a claim.
An event without collision
Find the named peril, exclusions, deductible and post-event duties for theft, breakage or a natural event.
Collision involving the insured vehicle
Check the collision definition, permitted drivers, possible reductions and the basis used to value the vehicle.
A financed or leased vehicle
Read the finance agreement together with the policy; a lender’s private requirement is not a general statutory duty.
Changed use or vehicle details
Report relevant changes and seek written confirmation before assuming that the existing policy still fits.
Claims the page must avoid
- Partial and full casco do not contain an identical catalogue across all insurers.
- Bonus, malus and level protection depend on the policy system; there is no universal federal scale.
- Vehicle value and finance alone cannot produce an individual verdict on which cover to select.
Checked public and sector references
Each reference states its language. Fedlex, FEDRO and FINMA are kept separate from the SIA/SVV, which supplies sector context only; the applicable official-language law and the individual policy remain controlling.
- Fedlex — Federal Road Traffic Act (RTA, SR 741.01)English · English reference text on motor liability, registration, conduct after accidents, policy transfer and claims-history statements; official-language wording controls.↗
- Fedlex — Federal Act on Insurance Contracts (ICA, SR 221.229.1)English · English reference translation covering pre-contract information, policy scope, claim notice, information duties and termination; official-language wording controls.↗
- SVV — Motor vehicle insurance topic overviewEnglish · English sector landing page for motor insurance material; it is not legislation, supervisory guidance or a binding description of any policy.↗