Customers with handover from the 1st of September 2021 onwards, are insured with our partner ZĂĽrich Insurance. Previous customers, who originally were insured by Simpego, are insured with ZĂĽrich Insurance since the 1st of November 2021.
With the car, you get a fully-comprehensive insurance, which covers you for all damages that you or a third-party might cause while using it (e.g. collision). The deductible for this insurance is CHF 1000 per event (for Simpego it is the same)
Additionally you get a parking damage insurance, which covers the car when it is parked (i.e. not moving) and an unknown person damages it (e.g. car door damages, key scratches, etc). This one does not include you hitting a wall when getting parked for example; that would be covered by the fully-comprehensive insurance. The deductible for this insurance is CHF 0 per event (for Simpego the deductible is 300 CHF).
It is important to know that the insurance opens a single case for each damage. Thus, several deductibles must be paid for several different damages. For example, if a car has two separate collision damages and an additional parking damage, the deductible amounts to a total of CHF 2,000.