Calculate your The link will open in a new window premium online with the PostFinance premium calculator. The quotation is valid for 30 days and can be accepted at any time.

It is best to have your current vehicle registration document or key vehicle information and your driving licence to hand.

Find out more about the premium calculator

Take out your PostFinance car insurance online in just a few minutes by accepting the insurance conditions in your online quotation and clicking on “Finish now”.

You will promptly receive a confirmation e-mail from us with a link. Please enter the relevant information for your proof of insurance here.

In order to take out a new car insurance policy, you will need to cancel your current policy. To do so, find out the notice period for your current policy. You can find the conditions either in the policy or the General Terms and Conditions of Insurance (GTCI).

Cancel your existing policy subject to the deadlines set out in the contract. To do so, you can use our The link will open in a new window cancellation letter template.

This step is not required if you are planning to register the vehicle in your name for the first time (vehicle purchase).

Once you have provided all the necessary information, we will send your proof of insurance to the driver and vehicle licensing office in your canton before your coverage commences. We will notify you of this by e-mail so that you can register/reassign your vehicle.

We recommend visiting the relevant driver and vehicle licensing office to do this in person four to five days before your coverage commences.

If you wish to register your vehicle by post, please contact the relevant driver and vehicle licensing office.

Please ensure you have all the necessary documents to hand:

• if you are changing policies: the original vehicle registration document
• if you are purchasing a used vehicle: the original vehicle registration document so it can be cancelled
• if you are purchasing a new vehicle: audit report form 13.20A

Your coverage will commence automatically once you have registered/reassigned your vehicle at the relevant driver and vehicle licensing office.

As soon as PostFinance receives confirmation of this from the driver and vehicle licensing office, all the contractual documents will be sent to you by post.

You can register in PostFinance’s online cockpit at any time to ensure you have round-the-clock access to your insurance information. 

The online cockpit provides help with PostFinance car insurance.

•  The most frequent driver must be 20 years of age or older
• The most frequent driver must have obtained a driving licence at least two years ago
• Date: when purchasing a new or used vehicle or when changing insurer by giving due notice to the previous insurer
• Current domicile in Switzerland
• Provision of a valid mobile phone number (required for communication and login)
• There is no requirement to have an account with PostFinance.

The insurance policy covers privately used passenger vehicles such as saloon cars, estate cars, hybrids, convertibles and family cars.

Currently, non-insurable vehicles include vehicles that are 20 years old or more on the date of signature of the insurance contract and vehicles for business use (company vehicles), motorcycles, certain commercial vehicles, high-performance vehicles (proportion of horsepower to weight) and vehicles with a very small number of registrations (speciality vehicles).

It may be the case that a vehicle is viewed as a passenger vehicle, but is classified by the manufacturers as a commercial vehicle (e.g. VW T6). These vehicles can be insured depending on the vehicle type. Insurable vehicles can be selected on the insurance portal.

An existing insurance policy with a previous insurer can be terminated by giving due notice, with effect from the end of the specified contractual period. The conditions can be found either in the policy or in the General Terms and Conditions of Insurance (GTCI). Usually, the notice period is three months before the end of the annual contract term. If the contract is not cancelled, it will normally be extended by a further year. In some cases, there are also non-cancellable multi-year contracts.

In the following cases, the insurance can be cancelled during the course of the year:

• If you replace your old vehicle with a new one,
  for example, the insurance for the old vehicle can be cancelled. Let the current insurance provider know quickly, so that they can terminate the contract and refund on a pro rata basis the annual premium that has been paid in advance. No premium can be refunded in the event of total loss.

• If the premium changes
  If the insurer changes the amount of the premium or the excess, or if they reduce the benefits, you can cancel with effect from the date of the contract amendment. The notice of termination must have been received by the insurer before the new premium applies.

• If there is a change of owner
  If there is a change of owner, the comprehensive insurance cover will cease. The personal liability insurance cover will be transferred to the new owner, however. The new owner may cancel this within 14 days of the transfer. The old personal liability insurance expires once the new party is entered on the registration document. Some insurers do not accept a transfer within the family as a reason for termination.

• In the event of a claim
  If the insurer pays compensation in the event of a claim, you may terminate the policy. The deadlines are governed by the General Terms and Conditions of Insurance (GTCI). The liability of the insurer ends 14 days after the notice of termination is received. If the contract has been in force for longer than one year and the damages do not constitute a write-off, you will receive the prepaid annual premium back on a pro rata basis.

The detailed information on basic coverage, additional coverage and the contractual conditions can be found in our General Terms and Conditions of Insurance (GTCI). Read through this document before signing the contract and contact our Support if anything is unclear.

In principle, with PostFinance car insurance all other drivers are insured according to the agreed coverage, provided you have consented to their use of the vehicle.

Please note, however, that the excess for drivers under the age of 25 and new drivers (drivers who have had their driving license for less than three years) increases by CHF 1,000 in addition to the agreed excess. This applies to liability and collision events. The partial cover excess is not affected.

If the vehicle is registered before the commencement of cover date that is indicated in the policy, the vehicle will be insured starting from the commencement of cover date. If the vehicle is registered after the commencement of cover date that is indicated in the policy, the vehicle will be insured starting from the date of registration of the vehicle.

If you have the SmartPlus banking package, the insurance discount applies to all PostFinance property insurance policies (car, motorcycle, travel and legal protection insurance), except for those for which Great Lakes Insurance SE is the insurer. The discount is granted only once per insurance policy on an annual net premium (excluding taxes, duties, etc.) and is credited to your PostFinance private account within three months. The discount lapses or is not granted if your banking package is changed from Smart to SmartPlus and back within two years and/or if the policy is terminated and a new policy is taken out for the same insurance object.

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