Questions and answers about car insurance

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Questions and answers

  • PostFinance Ltd
    c/o TONI Digital Insurance Solutions AG
    Seefeldstrasse 5a
    8008 Zurich, Switzerland
    Tel. (from Switzerland): 0848 117 799
    Tel. (from abroad): +41 58 667 14 00
    The link will open in a new window insurance.postfinance.ch

  • We will transfer the electronic proof of insurance automatically to the road traffic department in your canton. In order to modify the registration of the vehicle on time, you have two options. You can either send the existing vehicle registration document to the road traffic department approximately four to five days before the commencement of cover date you entered for the change of insurance, or you can take the registration document to the road traffic department in person.

    If you choose to send in the registration document, please enclose a note specifying the date of the change in insurance policy. During the following week, the new registration document will be sent to you by the road traffic department. The insurance coverage will apply from the commencement of cover date specified in the policy.

    For insurance starting on 1 January, the registration document must reach the road traffic department before 1 January. You should also pay attention to public holidays to ensure that the insurance cover is entered into the registration document by the date of commencement of cover. A period without insurance should be avoided at all costs. We therefore advise selecting a commencement of cover date for the new insurance policy a few days before the end date of the current insurance cover.

  • We will transfer the electronic proof of insurance automatically to the road traffic department in your canton. The purchased vehicle will be registered immediately when you visit the road traffic department or send in the vehicle registration document. The start date in your insurance policy is then the same as the registration date at the road traffic department. When you purchase a new vehicle, the registration is often carried out by the seller.

    The road traffic department requires the following documents for registration:

    • For the old vehicle (if you have an old vehicle): the original vehicle registration document so that it can be cancelled.
    • For the new vehicle: the registration document (for used vehicles) or the inspection report form 13.20A (new vehicles), which is usually filled in directly by the dealer.

    During the following week, the new registration document will be sent to you by the road traffic department. 

  • The policy is not set to “active” in your cockpit until the road traffic department confirms the registration with us. Since the information is sent via electronic data transmission, in rare cases this can take up to four weeks, depending on the canton. Of course, insurance cover is also guaranteed for you during this time, as the date of the effective registration/modification with the road traffic department is the determining factor.
  • Since 1 July 2020, the “green insurance card” has been recognized internationally if printed out on white paper. You can therefore download and print out the “green insurance card” directly from your customer cockpit.

  • Your policy has a duration of one year starting from the date of commencement of cover. It will then be extended automatically by another year. However, you can cancel your policy with us during the contract term subject to a notice period of three months. You also have the following options for cancelling the contract in accordance with statutory provisions:

    • at the end of the contract: you can cancel your insurance at the end of the contract period, taking into account the standard notice period. If the contract is not cancelled, it will normally be extended by a further year.
    • If changing vehicles: if you replace your old vehicle with a new one, for example, the insurance for the old vehicle can be cancelled.
    • If the premium changes: if the terms of the contract change to your disadvantage, you can terminate the contract when the contract is modified.
    • 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 when the new party is entered on the registration document.
    • In the event of a claim: if the insurer pays compensation in the event of a claim, you may cancel 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.
  • As a PostFinance car insurance customer, you have the right to freely choose the garage. However, we can recommend a workshop from our extensive network if necessary. You can have glass damage repaired at any time by Carglass (provided you have partially comprehensive cover) without excess. If you repair glass damage outside the Carglass network, the excess is 300 francs.
  • As with many established insurers, PostFinance co-operates with experienced, professional partners to record and process claims. The partner network includes  Carglass, AVUS and Repanet. We will inform you about the procedure for handling claims after you report a claim and will of course keep you up to date.