On sites like Comparis and Bonus, you can calculate your personal insurance premium in just a few clicks and compare quotes from different car insurers for free. This sounds convenient, but there are a number of risks. We reveal what you should bear in mind with comparison sites.
Guide
Compare car insurance – Comparis and Co
What does Comparis do and what benefits does it have for me?
Comparison sites do not offer insurance policies themselves. Instead, they compile quotes from different insurance companies. This saves time and enables transparent comparison of quotes. To provide this service, however, the comparison sites require certain information from you.
From CHF 29 per month
Information on the calculation basis: *Person: Born 1 June 1986, female, resident in 8400 Winterthur, nationality: Switzerland
Car: Fiat 500 Electric mod. 2022 type certificate 01xx664 / 0 damage last 5 years / no leasing / catalogue price CHF 44 490
Coverage modules: Compulsory third-party liability and partial casco.
Start of insurance 01.03.2024, annual payment method, offer date 01.02.2024, price rounded.
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Which information is required?
To generate your personal quotes and compare car insurance policies , the first thing you have to do is choose your vehicle. The best way to do this is to search using the type approval number, which can be found on the right-hand side of your vehicle registration papers under number 24.
The age of your car and the value of the accessories are also relevant for the premium. It is important to declare the correct value of the accessories – otherwise you risk underinsurance and a reduction in benefits in the event of a claim. Incidentally, accessories with a value of 10 % of the catalogue price are insured as standard with most insurance policies.
What to consider when comparing results
Comparis puts the cheapest quotes at the top of the list. However, the cheapest quotes usually exclude many types of coverage that you selected. Please pay attention to the following points in particular when comparing car insurance quotes:
Incidentally, it is often worth comparing premiums directly with the insurance companies. Whereas Comparis usually shows you fixed packages, the insurer’s website enables you to include or exclude individual components. And what is more, the premiums often differ from the quotes on Comparis.
You’ve got your quote, so what next?
If a particular offer interests you, you can order a quote for it by e-mail. If you are happy with the quote, you can contact the insurance company directly and accept it.
In addition, with some insurers, an advisor may also contact you by telephone to discuss the quote. With car insurance in particular, it is advisable to accept this free consultation as sometimes important details can be overlooked. This is also the time to ask any questions or clarify any uncertainties you may have. And just because you are receiving personalised advice, this does not mean that you have to take out the insurance policy.
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