It’s that easy to save on car insurance

One should, but rarely does – and if so, then only reluctantly: Checking the insurance policy is really no fun! Many Swiss find it difficult, especially when it comes to vehicle insurance, and often extend it automatically without checking their savings potential. But this would certainly be there!

Sandra Best, insurance expert at FinanceScout24, knows: “On average, savings of up to CHF 250 are possible. In individual cases it can even be significantly more. “

So it’s definitely worth taking a closer look! Because the differences between the individual car insurances are great: The costs vary not only according to provider, vehicle and canton, but also according to age, gender and even nationality can influence the car insurance premium.

Another important factor is the scope of coverage. As a rule, fully comprehensive insurance is no longer worthwhile for a car over eight years old, and the additional parking damage insurance also affects the amount of the premium. Anyone who does not regularly chauffeur guests from abroad can do without occupant insurance because this is covered by the compulsory accident insurance for people living in Switzerland. And items that are carried in the car are often already insured by the household insurance – which means that the “items brought with you” insurance is also not automatically required.

FinanceScout24 has been offering a free online check of car insurance companies for a long time, which investigates exactly these questions. Now the digital company – as the first provider ever – has one App developed and launched that makes insurance comparisons even easier. The app works a lot faster than the web version and now also offers a chat bot that guides you through the process with specific questions. “Our chat bot Julia has no office hours,” says Sandra Best, “so you can also do your check in the evening or on the weekend.”

An additional advantage that busy people appreciate, because in everyday life a careful review of the car insurance often fails due to the lack of time. With the practical App All users have to do is open an account and have a current policy ready. This is photographed and uploaded – the app does the rest. “Alternative offers with the same service are available within a few minutes,” says Sandra Best.

By the way, users do not need to worry about the data provided. “In accordance with the Swiss Data Protection Act, the data is securely stored and deleted again after a certain period of time,” explains Sandra Best. The data is only passed on to third parties, in this case to selected insurers, if the user specifically requests it. In other words: if a better offer has been found thanks to the app and a non-binding offer is requested.