ELVIA Third-party driver insurance
Guide

THIRD-PARTY DRIVER INSURANCE

Get quote now
Guide overview

ELVIA third-party driver insurance covers losses to borrowed cars or motorbikes up to an amount of CHF 100,000. The following are also insured: 

  • Premium increase/loss of vehicle owner’s no-claims bonus in the event of a claim
  • Deductible in comprehensive insurance, if the loss is covered by an existing comprehensive insurance policy
  • Costs that are incurred as a result of third-party claims and are not covered by the third-party liability insurance for the vehicle

Third-party driver insurance is part of ELVIA third-party liability insurance. Calculate the premium for private third-party liability insurance here:

calculate Liability quote

If you are driving a borrowed vehicle and the vehicle is damaged in an accident, you have to rely on the fact that fully comprehensive insurance has been taken out. With older vehicles in particular, that is often not the case. ELVIA third-party driver insurance pays the costs of the vehicle repairs in such cases.

Even if the vehicle owner does have fully comprehensive insurance, ELVIA third-party driver insurance is still useful to have, as it covers the loss of the no-claims bonus and the deductible resulting from an accident.

ELVIA third-party driver insurance does not only protect you in Switzerland. Your costs are covered even for accidents which occur abroad.

A third-party driver of a vehicle is someone who drives it only occasionally but not regularly. Occasional use could be once a week over a period of no more than two months or uninterrupted use for no longer than a week, for example.

Someone using the vehicle of a person who lives in the same household does not count as a third-party driver. Furthermore, business travel and damage to rental vehicles are excluded.

ELVIA third-party driver insurance does not cover losses to rented vehicles. The lessor offers comprehensive insurance itself for such vehicles.

In the event of liability claims involving rental vehicles outside Switzerland, third-party driver insurance will cover part of the costs under certain circumstances: if the sum insured is less than the minimum sum insured in Switzerland, ELVIA will cover the difference in the event of a claim as part of something known as «Mallorca coverage». The prerequisite for this is that you agreed the highest possible sum insured with the lessor.

Get started
Whether it’s for feedback, advice or support, you will find our contact information here.
Get in touch
Want to know the exact details? All our documents are available here for you to download, save and read at your leisure.
The small print
A loss can happen in the blink of an eye. Thanks to our 24/7 claims service, you can report it quickly, too.
There for you all-day
YOU MIGHT ALSO BE INTERESTED IN
ELVIA Liability insurance

Liability insurance

Get started – and stay completely relaxed. If you accidentally do harm or damage to others, our personal liability cover will help.
ELVIA Car insurance

Car insurance

With our car insurance, you get peace of mind at an affordable price. Whatever happens, we will help you quickly so that you are back on the road in no time.
ELVIA Compare car insurance
You can compare car insurance policies for free at Comparis and co. We reveal what you should bear in mind in the process.