SwissLife Casco (own-damage car insurance) (Swiss Auto)

Covers damage to the insured vehicle caused by collision with a fixed or moving object, overturning without prior collision, accidental opening of the bonnet/boot/door, riots or popular movements, vandalism, and submersion. This guarantee is only granted if subscribed, and its amounts and deductibles are set out in the Dispositions Personnelles.

When the vehicle is economically/technically irreparable or has disappeared, indemnification equals the expert-assessed replacement value (VRADE) before the loss, less residual value. For a total loss occurring within 3 months of first registration, indemnification equals the purchase price shown on the invoice (less a 1% per month reduction once the vehicle exceeds 5,000 km). The optional 'Valeur à neuf 12 mois' extension (CG art. 6.7.2) extends this period to 12 months and the mileage threshold to 20,000 km; the commercial brochure states this new-value guarantee can further be extended up to 36 months.

When the vehicle is economically repairable, indemnification equals the repair cost under the best local economic conditions, taking into account the vehicle's age, condition and the nature of the damage; a wear-and-tear (vétusté) deduction applies to periodically replaced parts such as tyres. This is part of the Dommages au véhicule guarantee, applicable only if that guarantee has been subscribed.

Covers theft or attempted theft of the vehicle committed by aggression or by break-in of the windows, sunroof, doors, boot, or of a locked private garage, including theft of the vehicle within 6 hours of the keys being stolen from the insured's home; also covers theft of vehicle parts (wheels, engine block, steering, bodywork elements, exhaust line) under specific conditions, plus recovery and up to 72 hours of impound fees. Non-original (hors série) accessories are only covered up to 10% of the vehicle's expert-assessed value (VRADE). This guarantee is only granted if subscribed, with anti-theft equipment requirements set in the Dispositions Personnelles.

Covers breakage of the windscreen, rear window, side and door windows, sunroof glass, exterior lighting/signalling elements and the exterior sun visor, including engraving costs for etched glass. The deductible can be waived when an approved glazier from SwissLife's network is used. This guarantee is only granted if subscribed.

Covers storm, hail, snow weight, lightning, flood, avalanche, falling rocks and landslide under the Incendie/Tempête or Accidents/Émeutes/Vandalisme guarantees. The statutory Catastrophes naturelles guarantee is automatically included as soon as one of the Incendie, Vol, Accidents/Émeutes/Vandalisme guarantees is subscribed, and can only be triggered after an official Journal Officiel decree recognising the state of natural disaster. A statutory deductible applies (see key_conditions.deductible_rules).

Covers damage voluntarily caused to the vehicle by a third party with no other motive than to damage or destroy it, under the Accidents, émeutes, vandalisme guarantee, only granted if subscribed.

Automatically included once one of the Incendie/Tempête, Vol, Accident/Émeute/Vandalisme or Bris de glaces guarantees is subscribed. Reimburses, on justification and once validated by the expert, towing, breakdown recovery, lifting, vehicle retrieval and storage costs. Limits are set in the Dispositions Personnelles.

Marketing material advertises a free courtesy vehicle with unlimited mileage for the duration of repairs when using SwissLife's approved repair network. The T&C reference a separate optional 'Convention véhicule de remplacement' annex, subscribed and detailed in the Dispositions Personnelles.