ELVIA Car insurance

Online Car Insurance

The best protection for your car
Attractive Premiums
Conclude Easily Online
Outstanding Customer Service

With our car insurance, you get peace of mind at an affordable price. Whatever happens, we will assist you quickly and without any red tape so that you are back on the road in no time.

  • Claims service 24 hours a day, seven days a week
  • «Own damage» option in the third-party liability
  • Parked-vehicle damage can be insured in the partially comprehensive cover
Comparis Gütesiegel
Interested in insuring an electric car? This way, please.
Here is everything you get with our vehicle insurance:
Third-party liability insurance for your car is compulsory. In fact, you can only register your car with the certificate of insurance.
Third-party liability insurance covers damage that you cause to others with your car. For example, if you touch your neighbour's garden fence when manoeuvring.
Good to know:
  • Flexible deductible: You decide for yourself how much you want to contribute to the costs in the event of a claim.
  • Modular coverage: Supplement your car liability insurance with our additional coverages and choose exactly the protection you need.
  • "Own damage" insurable: If you wish, our car liability insurance will also cover damage that you cause to your own property with your car. For example, if you overlook your child's bicycle while reversing out of your garage.
ELVIA Car Insurance Liability
ELVIA Car Insurance Comprehensive Insurance

Damage to your own car can happen quickly. In these cases, our comprehensive insurance comes into play. 

Our partially comprehensive insurance covers damage that neither you nor another driver has caused (e.g. hail, theft or marten bites).

Fully comprehensive insurance comprises partially comprehensive and collision coverage. It also covers damage to your own vehicle that you cause yourself. For example, if you hit a pole during a parking manoeuvre.

Good to know:
  • Partner garages: If you have your car repaired by our partner garages in the event of a claim, your premium will be lower. You also benefit from our convenient pick-up and delivery service.
  • Enhanced current value: In the event of a write-off, we pay more than the value of your car at the time of the accident.
  • Flexibility: Choose your deductibles and supplement your comprehensive insurance with our additional coverages.
Our insurance for your car is modular and can be flexibly adapted to your needs. Choose from the following additional modules:
Icon Strasse

We assist you quickly and without any red tape in an emergency – be it a breakdown, an accident or theft, 24 hours a day and also in neighbouring countries. Standard coverage includes, for example, the following services:

  • We recover your vehicle and tow it away.
  • We pay for your overnight stay and your journey home.
  • We deliver the necessary spare parts.


For even more support, there is our additional "Assistance Top" coverage. This covers the following services, for example:

  • We cover the costs of a rental or replacement car during the repair of your vehicle (including additional costs for a navigation device or child seats).
  • We provide you with our interpreting service in the event of communication problems abroad.
  • We also guarantee the return journey home of your cat or dog

Find more information in our assistance guide.
Familie Icon

Protect yourself and your passengers from the financial consequences of injuries caused by a car accident.

  • You can draw benefits regardless of who was at fault for the accident.
  • We cover insured medical costs for up to five years.
  • Choose your insured sum individually.

Sparschwein Icon

Even after one claim per year, your car insurance premium remains unchanged (at each premium level).

Ampel Icon

It's easy to make mistakes. With this option, we waive the reduction in indemnity if you caused an accident through gross negligence. You can find more information in our guide on gross negligence.

Icon Auto

This supplement to the partially comprehensive cover insures damage that unknown persons cause to your parked car – and do not report. You can find more information in our 
guide to parked-vehicle damage. 

Icon Haus

This supplement to the liability insurance covers damage to your personal belongings caused by your car. Regardless of whether it is your fault or someone living in the same house.

The premium for your car insurance depends on a number of factors. On the one hand, of course, it is based on the types of cover you select. Third-party liability on its own generally costs much less than fully comprehensive/collision insurance. Your personal details, such as the canton you live in, are also a factor. And, of course, the vehicle to be insured. The rule here is usually: the higher the horsepower, the higher the premium.
Yes, you can find out more about our electric car insurance here.
With us, everything is done online. All you have to do is click here and provide a few details and you will get your personal premium – at affordable rates and without any hidden costs. In our online calculator, you can also take out car insurance directly or save your quote if you need some more time to think about it. Of course you can also discuss our quote with one of our advisors if you still are not sure which insurance is right for you. 
Just moved from Germany to Switzerland? First of all, welcome! As you have probably noticed, things work a little differently here. In Switzerland, car insurance is simply called «Autoversicherung» rather than «KFZ-Versicherung». Our advisors will be happy to explain to you in person over the phone what else you should consider in terms of insurance when moving to Switzerland. And if you are not yet familiar with the local conventions, our legal protection insurance could be worthwhile. With this affordable cover, you have experienced lawyers at your side at all times to provide help when you need it. The policy is completely digital and can be cancelled monthly.
No. Additional drivers do not have to be specially declared. Our car insurance covers the vehicle listed in the policy. Everyone who possesses a valid driving licence may drive the insured vehicle and is insured accordingly, including new drivers. The important thing is to correctly name the most frequent driver when you take out your policy.
No. You simply need a transferable licence plate that you can use for both vehicles. Please contact us if you would like a transferable licence plate.
No, breakdown assistance costs CHF 48 per year and must be concluded separately.
Yes, fully comprehensive insurance automatically includes partially comprehensive cover. The latter can also be insured separately, however.
Partially comprehensive insurance covers losses that you have no control over, such as hail damage, severing of cables by martens or glass breakages. You can find more information on partially and fully comprehensive cover here.

In the event of a claim, we will organise the repairs for you at one of our certified partner companies. This includes:

  • a convenient collection and delivery service
  • a replacement vehicle for the duration of the repair work
  • a three-year guarantee on the repairs

For events that are not insured, such as vehicle services or defects that are covered by the guarantee, you can go to any garage you like.

Residents of Switzerland are generally insured against accidents by their employer or their health insurer. The accident insurance component of car insurance is a form of supplementary cover for children, pets and people from other countries. Our accident insurance pays immediately and covers medical costs, including on a private ward.
No, we only insure vehicles that are registered as private cars.
No. But if you have the glass damage repaired by our partner Carglass, the deductible will not be applied.
We are available by telephone from Monday to Friday from 7.30 am to 5 pm.
  1. Enter your details
    To calculate your premium, we need some information about you and the thing you wish to insure.

  2. Select the cover you want
    Choose the precise type of insurance that is right for you, and customise your policy according to your individual needs by selecting the appropriate types of supplementary cover. 

  3. Take out a policy or request a quote
    Take out your policy conveniently online, or arrange for a quote to be sent to you if you still need some time to think.
Google Rating / 4,6 Stars
Our Google reviews.
Status as of: end of Q4 2023 / 1011 feedbacks
Customer satisfaction / 4,6 Stars
Results of our ongoing customer satisfaction scores.
Status as of: end of Q4 2023 / 20 211 customer feedbacks
Whether it’s for feedback, advice or support, you will find our contact information here.
Want to know the exact details? All our documents are available here for you to download, save and read at your leisure.
A loss can happen in the blink of an eye. Thanks to our 24/7 claims service, you can report it quickly, too.

Combined household insurance

Household contents and liability in one: our combined household insurance keeps everything in good order at your home.

Travel insurance

Holidays are the nicest time of year. Our travel insurance enables you to say goodbye to your worries and simply enjoy your trip.
You can compare car insurance policies for free at Comparis and co. We reveal what you should bear in mind in the process.