Car & mobility
Fully comprehensive or partial casco?
Liability cover is compulsory, casco cover is voluntary. Which one suits your car depends mainly on what it is worth.
AskGeorge13 August 2026, 3 min read
Every Swiss car insurance policy consists of compulsory liability cover and voluntary casco cover. Liability pays for damage you cause to others. For damage to your own car you need casco cover.
Partial casco (Teilkasko)
Partial casco pays for damage you did not cause yourself, for example:
- Theft
- Broken glass
- Hail, storms and other natural events
- Marten bites and collisions with animals
- Fire
Fully comprehensive (Vollkasko)
Fully comprehensive cover includes partial casco and additionally pays for damage to your own car that you caused yourself, for example in an accident or while parking.
Leasing and financing
If your car is leased or financed, the contract usually requires fully comprehensive cover.
A tried and tested rule of thumb
For new and expensive cars, fully comprehensive cover is almost always worth it in the first years. As the car loses value, partial casco is often the cheaper choice. Also look at add-ons such as bonus protection or parking damage.
Last updated September 2026. This article does not replace personal advice. The terms of your insurer apply.
