{"id":1402,"date":"2025-03-19T10:42:00","date_gmt":"2025-03-19T10:42:00","guid":{"rendered":"https:\/\/belsuradev.wpengine.com\/?page_id=1402"},"modified":"2025-11-20T10:24:57","modified_gmt":"2025-11-20T10:24:57","slug":"car-insurance","status":"publish","type":"page","link":"https:\/\/www.belsura.ch\/en\/car-insurance\/","title":{"rendered":"Car insurance"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column]\n        <div class=\"belsura-specialties bg-green\">\n            <div class=\"container\">\n                <h2 class=\"belsura-specialties_heading\">Your benefits at a glance<\/h2>\n                <div class=\"belsura-specialties_items\">\n                    <div class=\"belsura-specialties_item\">\n                        <img decoding=\"async\" src=\"https:\/\/www.belsura.ch\/wp-content\/uploads\/2025\/03\/verified.svg\" alt=\"\">\n                        <p class=\"medium\"><b>Top price-performance ratio<\/b> <br>\u2013<br> for comprehensive protection on the road<\/p>\n                    <\/div>\n                    <div class=\"belsura-specialties_item\">\n                        <img decoding=\"async\" src=\"https:\/\/www.belsura.ch\/wp-content\/uploads\/2025\/03\/configurable.svg\" alt=\"\">\n                        <p class=\"medium\"><b>Flexible configuration<\/b> <br>\u2013<br> deductible, coverage, etc.<\/p>\n                    <\/div>\n                    <div class=\"belsura-specialties_item\">\n                        <img decoding=\"async\" src=\"https:\/\/www.belsura.ch\/wp-content\/uploads\/2025\/03\/dashboard.svg\" alt=\"\">\n                        <p class=\"medium\"><b>Fully digital<\/b> <br>\u2013<br> from quote to claim handling, everything is done online<\/p>\n                    <\/div>\n\t\t\t\t<\/div>\n                <div class=\"belsura-specialties_buttons\">\n                    <a href=\"https:\/\/insurances.belsura.ch\/en\/onboarding\/personal-auto\/vehicle\" class=\"primary\">Personal consultation<\/a>\n                    <a href=\"#coverages\" class=\"tertiary\">Insurance details<\/a>\n                <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"belsura-steps-container \">\n            <h2>How to take out Belsura car insurance?<\/h2>\n\t\t\t<div class=\"container\">\n\t\t\t\t<div class=\"belsura-steps\">\n            \t\t<div class=\"dashed\"><\/div>\n\t\t\t\t\t<div class=\"belsura-steps__item\">\n\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.belsura.ch\/wp-content\/uploads\/2025\/03\/one.svg\" alt=\"\">\n\t\t\t\t\t\t<p class=\"medium\">Choose Belsura<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"belsura-steps__item\">\n\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.belsura.ch\/wp-content\/uploads\/2025\/03\/two.svg\" alt=\"\">\n\t\t\t\t\t\t<p class=\"medium\">Customize your ideal insurance package or select our Minima package<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"belsura-steps__item\">\n\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.belsura.ch\/wp-content\/uploads\/2025\/03\/three.svg\" alt=\"\">\n\t\t\t\t\t\t<p class=\"medium\">Enter your personal details<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"belsura-steps__item\">\n\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.belsura.ch\/wp-content\/uploads\/2025\/03\/checkmark.svg\" alt=\"\">\n\t\t\t\t\t\t<p class=\"medium\"><b>You're good to go!<\/b><\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n        \t<\/div>\n\t\t<\/div>\n        <div class=\"container\">\n            <div class=\"belsura-radios\">\n                <div class=\"radio-container\">\n                    <input id=\"one\" name=\"radio\" type=\"radio\" checked=\"checked\">\n                    <label for=\"one\">\n                        <p class=\"medium\">Newly purchased car<\/p>\n                        <p class=\"base\">Used or first-time registration<\/p>\n                    <\/label>\n                <\/div>\n                <div class=\"radio-container\">\n                    <input id=\"two\" name=\"radio\" type=\"radio\">\n                    <label for=\"two\">\n                        <p class=\"medium\">Existing car<\/p>\n                        <p class=\"base\">Switch insurance<\/p>\n                    <\/label>\n                <\/div>\n            <\/div>\n\t\t\t<div class=\"belsura-specialties_buttons\">\n\t\t\t\t<a href=\"https:\/\/insurances.belsura.ch\/en\/onboarding\/personal-auto\/vehicle\" class=\"primary\">Continue calculating the quote<\/a>\n\t\t\t<\/div>\n        <\/div>\n        <div id=\"coverages\" class=\"component-section\">\n            <div class=\"container\">\n                <h2>What coverage does Belsura car insurance offer?<\/h2>\n\t\t        <p><\/p>\n                <div class=\"component_items\">\n                    <div id=\"item_01\" class=\"component_item\">\n                        <div class=\"component-item_header\">\n                            <h3>Liability insurance<\/h3>\n                            <div>\n                                <button class=\"component-button-plus\"><\/button>\n                                <button class=\"component-button-minus\"><\/button>\n                            <\/div>\n                        <\/div>\n                        <p>The liability insurance is required by law. It covers damage that you cause to third parties with your car: other people, other vehicles, buildings or the environment.<\/p>\n<p><strong>Examples:<\/strong><\/p>\n<ul>\n<li>You cause a rear-end collision. The costs for repairing the other person's car are covered.<\/li>\n<li>An accident causes oil to spill into a nearby pond. Covered are the costs for cleaning the pond.<\/li>\n<\/ul>\n<p>The insurance is also there to defend you from unjustified claims. Therefore, we also take over the \"disputes\" with third parties for you.<\/p>\n<p><strong>Deductible:<\/strong> Freely selectable, CHF 0.\u2013 recommended.<\/p>\n<p>The deductible is the amount in CHF that you pay per claim. Your insurance will pay for costs that exceed your deductible.<\/p>\n<p><strong>Example:<\/strong> For a claim of CHF 3\u2018000 and a deductible of CHF 500, your insurance pays CHF 2\u2018500.<\/p>\n<p><strong>Recommendation from Belsura:<\/strong> All cars (mandatory).<\/p>\n\n                    <\/div>\n                    <div id=\"item_02\" class=\"component_item\">\n                        <div class=\"component-item_header\">\n                            <h3>Partially comprehensive insurance<\/h3>\n                            <div>\n                                <button class=\"component-button-plus\"><\/button>\n                                <button class=\"component-button-minus\"><\/button>\n                            <\/div>\n                        <\/div>\n                        <p>The partially comprehensive insurance covers damage to your own car. It does not cover damage for which you are responsible or damage caused by a collision (exception: collision with animals or glass damage to the front, rear or side windows - these are covered).<\/p>\n<p>Common causes of covered claims:<\/p>\n<ul>\n<li>Glass breakage of the front, rear or side windows<\/li>\n<li>Thunderstorms, for example due to fire, hail or flooding<\/li>\n<li>Animals, for example as a result of collisions with wild animals such as deer or wild boar<\/li>\n<li>Marten bites (cable damage)<\/li>\n<li>Theft or robbery<\/li>\n<\/ul>\n<p><strong>Example:<\/strong> The rear of the car is damaged due to a collision with a wild boar. Belsura covers the full costs (minus any deductible).<\/p>\n<p><strong>Deductible:<\/strong> freely selectable, CHF 0.- recommended<\/p>\n<ul>\n<li>With the option \"free garage choice\" the deductible is always CHF 0.- (Note: With this coverage you can freely choose the garage without increasing your deductible. Without this coverage, the Belsura network with various partner garages is available to you).<\/li>\n<li>In case of glass breakage: If the car is repaired at Carglass or Repanet, the deductible is always CHF 0.<\/li>\n<\/ul>\n<p><strong>Recommendation of Belsura:<\/strong> All cars with a considerable value (also older vehicles).<\/p>\n\n                    <\/div>\n                    <div id=\"item_03\" class=\"component_item\">\n                        <div class=\"component-item_header\">\n                            <h3>Fully comprehensive insurance<\/h3>\n                            <div>\n                                <button class=\"component-button-plus\"><\/button>\n                                <button class=\"component-button-minus\"><\/button>\n                            <\/div>\n                        <\/div>\n                        <p>The fully comprehensive insurance covers damage to your car for which you are responsible and which is caused by collisions (called collision insurance, but colloquially referred to as comprehensive insurance).<br \/>\nA self-inflicted accident can lead to a total loss. This is covered by the fully comprehensive insurance. The comprehensive insurance always includes the partial cover.<\/p>\n<p><strong>Example:<\/strong> You hit someone else's car. For the damage to the other car you need the liability insurance, for the damage to your own car you need the fully comprehensive insurance. If the damage to the other car is CHF 3'000 and the damage to your own car is CHF 5'000, and your deductible is CHF 0 (for liability and fully comprehensive) - then the full CHF 8'000 will be covered by Belsura.<\/p>\n<p><strong>Deductible:<\/strong> freely selectable, min. CHF 500.-<\/p>\n<p><strong>Recommendation from Belsura:<\/strong> Newer cars.<\/p>\n<p><strong>Note:<\/strong> In case of leasing, fully comprehensive insurance is mandatory.<\/p>\n<ul>\n<li>If the option \"free garage choice\" is insured, the deductible is always CHF 0. (Note: With this coverage you can freely choose the garage without increasing your deductible. Without this coverage, the Belsura network with various partner garages is at your disposal).<\/li>\n<li>In case of glass breakage: If the car is repaired at Carglass or Repanet, the deductible is always CHF 0.<\/li>\n<\/ul>\n\n                    <\/div>\n                    <div id=\"item_04\" class=\"component_item\">\n                        <div class=\"component-item_header\">\n                            <h3>Personal belongings<\/h3>\n                            <div>\n                                <button class=\"component-button-plus\"><\/button>\n                                <button class=\"component-button-minus\"><\/button>\n                            <\/div>\n                        <\/div>\n                        <p>Carried items are items carried by the (co-)driver(s) for personal use, which are in the car or which you are carrying when the claim occurs.<\/p>\n<p>This therefore covers damage to items carried in the car caused by Theft or accident, provided that the car was fully locked.<\/p>\n<p><strong>Example:<\/strong><\/p>\n<ul>\n<li>The suitcase is stolen from the parked car.<\/li>\n<li>An accident soils a worn garment.<\/li>\n<\/ul>\n<p>Certain items, such as banknotes, securities, precious metals, jewelry and hardware\/software, are not covered.<\/p>\n<p><strong>Deductible:<\/strong> CHF 0.-<\/p>\n<p><strong>Recommendation from Belsura:<\/strong> Depending on the value of the personal items carried<\/p>\n\n                    <\/div>\n                    <div id=\"item_05\" class=\"component_item\">\n                        <div class=\"component-item_header\">\n                            <h3>Gross negligence<\/h3>\n                            <div>\n                                <button class=\"component-button-plus\"><\/button>\n                                <button class=\"component-button-minus\"><\/button>\n                            <\/div>\n                        <\/div>\n                        <p>Normally, there is no coverage if you cause a claim by gross negligence (respectively: your benefit can be reduced according to the law). With this option, you extend your coverage to cases in which you act with gross negligence. With the gross negligence protection, we do not assert our statutory right to reduce benefits or recourse (reclaim of money paid).<\/p>\n<p><strong>Note:<\/strong> An action is generally considered \"grossly negligent\" if it could have been prevented by obvious or simple behavior - respectively, if one violates his duty of care.<\/p>\n<p><strong>Example:<\/strong> Anyone who drives into an intersection while the light is red is acting with gross negligence.<\/p>\n<p><strong>No additional deductible<\/strong> (deductible of comprehensive or liability will be deducted - if you have a deductible with comprehensive or liability, it will apply; otherwise the deductible is CHF 0.-).<br \/>\n<strong>Belsura's recommendation:<\/strong> We recommend the gross negligence protection, because otherwise, in the event of a claim, you may have to prove that you did not act with gross negligence - which can be very difficult.<\/p>\n\n                    <\/div>\n                    <div id=\"item_06\" class=\"component_item\">\n                        <div class=\"component-item_header\">\n                            <h3>Glass Plus<\/h3>\n                            <div>\n                                <button class=\"component-button-plus\"><\/button>\n                                <button class=\"component-button-minus\"><\/button>\n                            <\/div>\n                        <\/div>\n                        <p>With Glas Plus, you receive coverage for damage to your headlight glass. Materials that serve as glass substitutes, incandescent lamps and LEDs are also covered.<\/p>\n<p><strong>Example:<\/strong> While driving on the highway, a stone breaks the headlight.<\/p>\n<p><strong>No additional deductible<\/strong><\/p>\n<p><strong>Recommendation from Belsura:<\/strong> Newer cars<\/p>\n\n                    <\/div>\n                    <div id=\"item_07\" class=\"component_item\">\n                        <div class=\"component-item_header\">\n                            <h3>Value supplement<\/h3>\n                            <div>\n                                <button class=\"component-button-plus\"><\/button>\n                                <button class=\"component-button-minus\"><\/button>\n                            <\/div>\n                        <\/div>\n                        <p>The current value is the value that a car would have on the market at the time of the accident (without damage). This means: For what amount could you have resold your car? With every kilometer driven, the current value reduces a bit.<\/p>\n<p>The current value is the value we usually reimburse in the event of a claim - unless you have chosen the Value Supplement option: Then we pay more.<\/p>\n<p>This is because the current market value supplement prevents a pure valuation based on current market value. Instead of the current market value, a different scale is applied in the event of a claim, which provides an increased value. In the operating years 1-2, 100 % of the new value is compensated, after which a gradation takes place as follows:<\/p>\n<p>1st operating year 100 %<br \/>\n2nd operating year 100 % - 90 %<br \/>\n3rd operating year 90 % - 80 %<br \/>\n4th operating year 80 % - 70 %<br \/>\n5th operating year 70 % - 60 %<br \/>\n6th operating year 60 % - 50 %<br \/>\n7th operating year 50 % - 40 %<br \/>\nFrom 8th operating year Current value plus 10% of it<\/p>\n<p><strong>Example:<\/strong> The original cost of a car was CHF 50,000.-. After 3 years - at the time of the accident - the current value is CHF 35'000.-. The repair would cost CHF 40,000. This is a total loss and you will receive CHF 35'000.-. If you would have had a current value coverage, 80% of CHF 50'000 would still be insured after 3 years, which is above the CHF 35'000 (namely at 40'000). Thus, there would not be a total loss.<\/p>\n<p>Especially in the case of old cars, the current value can quickly be lower than the repair costs. In this case, the vehicle is a total loss, even though only a comparatively \"minor repair\" would be necessary.<\/p>\n<p><strong>No additional deductible<\/strong><\/p>\n<p><strong>Recommendation from Belsura:<\/strong> Always for newer and leased vehicles.<\/p>\n\n                    <\/div>\n                    <div id=\"item_08\" class=\"component_item\">\n                        <div class=\"component-item_header\">\n                            <h3>Personal accident insurance<\/h3>\n                            <div>\n                                <button class=\"component-button-plus\"><\/button>\n                                <button class=\"component-button-minus\"><\/button>\n                            <\/div>\n                        <\/div>\n                        <p>If the occupants of your car are injured or killed in an accident, the injured party receives an individually definable sum or a daily allowance depending on the claim \u2013 death, disability or incapacity for work. This can cover part of the loss of wages or costs for doctors, hospitals, cures, prostheses, etc.<\/p>\n<p>This coverage is a private supplementary insurance to existing accident and social insurances, which takes effect where gaps exist. This means that all passengers are covered in the best possible way in the event of damage to health.<\/p>\n<p><strong>No deductible<\/strong><\/p>\n<p><strong>Recommendation from Belsura:<\/strong> If you or your passengers do not have accident insurance.<\/p>\n\n                    <\/div>\n                    <div id=\"item_09\" class=\"component_item\">\n                        <div class=\"component-item_header\">\n                            <h3>Free garage choice<\/h3>\n                            <div>\n                                <button class=\"component-button-plus\"><\/button>\n                                <button class=\"component-button-minus\"><\/button>\n                            <\/div>\n                        <\/div>\n                        <p>In the event of a claim, this option allows your car to be repaired at the garage of your choice without an increased deductible. Without this coverage, you can use the partner garages of Belsura.<\/p>\n<p><strong>(No deductible)<\/strong><\/p>\n<p><strong>Belsura recommendation:<\/strong> According to preference<\/p>\n\n                    <\/div>\n                    <div id=\"item_10\" class=\"component_item\">\n                        <div class=\"component-item_header\">\n                            <h3>Parking damage<\/h3>\n                            <div>\n                                <button class=\"component-button-plus\"><\/button>\n                                <button class=\"component-button-minus\"><\/button>\n                            <\/div>\n                        <\/div>\n                        <p>This covers damage to the car caused by third parties when parked and locked. Willful or malicious damage by third parties is also insured.<\/p>\n<p><strong>Example:<\/strong> When you return to your parked car, you notice a scratch on the door. You are covered up to the sum insured for this damage.<\/p>\n<p>A maximum of two claims will be paid per calendar year.<\/p>\n<p><strong>No deductible<\/strong><\/p>\n<p><strong>Recommendation from Belsura:<\/strong> Newer cars<\/p>\n\n                    <\/div>\n                    <div id=\"item_11\" class=\"component_item\">\n                        <div class=\"component-item_header\">\n                            <h3>Roadside Assistance<\/h3>\n                            <div>\n                                <button class=\"component-button-plus\"><\/button>\n                                <button class=\"component-button-minus\"><\/button>\n                            <\/div>\n                        <\/div>\n                        <p>With this coverage, you receive comprehensive services in the event of a claim in Switzerland as well as in whole Europe and the countries bordering the Mediterranean.<\/p>\n<p>Key coverages include:<\/p>\n<ul>\n<li>Towing and repair<\/li>\n<li>Salvage<\/li>\n<li>Assumption of additional costs for continuation of the journey incl. rental car if necessary<\/li>\n<li>Retrieval of the car<\/li>\n<li>Customs fees<\/li>\n<\/ul>\n<p><strong>No deductible<\/strong><br \/>\n<strong>Recommendation from Belsura:<\/strong> If you travel abroad within Europe.<\/p>\n\n                    <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"container\">\n            <div class=\"suitable car-insurance\">\n                <div class=\"suitable_info\">\n                    <h3>Not sure which package suits you?<\/h3>\n                    <p class=\"base\">With Belsura Flex, you can easily create your own package tailored to your needs!<\/p>\n                    <div class=\"suitable_info_button\">\n\t\t\t\t\t    <div class=\"belsura-specialties_buttons\">\n                    \t    <a href=\"https:\/\/insurances.belsura.ch\/en\/onboarding\/personal-auto\/vehicle\" class=\"primary\">Create your own package<\/a>\n                        <\/div>\n                    <\/div>\n                <\/div>\n                <div class=\"suitable_img\">\n                    <img decoding=\"async\" src=\"https:\/\/www.belsura.ch\/wp-content\/uploads\/2025\/03\/coin-2.png\" alt=\"\">\n                <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"belsura-steps-container bg-green\">\n            <h2>What if something happens?<\/h2>\n\t\t\t<div class=\"container\">\n\t\t\t\t<div class=\"belsura-steps\">\n            \t\t<div class=\"dashed\"><\/div>\n\t\t\t\t\t<div class=\"belsura-steps__item\">\n\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.belsura.ch\/wp-content\/uploads\/2025\/03\/one.svg\" alt=\"\">\n\t\t\t\t\t\t<p class=\"medium\">Report claim details online or by phone<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"belsura-steps__item\">\n\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.belsura.ch\/wp-content\/uploads\/2025\/03\/two.svg\" alt=\"\">\n\t\t\t\t\t\t<p class=\"medium\">Receive reimbursement for covered damages via bank transfer<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"belsura-steps__item\">\n\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.belsura.ch\/wp-content\/uploads\/2025\/03\/checkmark.svg\" alt=\"\">\n\t\t\t\t\t\t<p class=\"medium\"><b>Done!<\/b><\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n        \t<\/div>\n\t\t<\/div>\n\t\t\t<div class=\"scout-logos risk-carrier\">\n\t\t\t\t<h3>Coverage? Guaranteed!<\/h3>\n\t\t\t\t<div>\n\t\t\t\t\t<p class=\"base\">By the risk carrier Allianz Suisse<\/p>\n\t\t\t\t\t<img decoding=\"async\" src=\"\" alt=\"\">\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n        <div id=\"faq\" class=\"what-happens-section\">\n            <div class=\"container\">\n                <h2 class=\"what-happens_heading\">Still unsure?<\/h2>\n                <div class=\"what-happens_items\">\n                    <div class=\"what-happens_item\">\n                        <div class=\"what-happens-item_header\">\n                            <h3>General questions<\/h3>\n                            <div>\n                                <button class=\"what-happens_button-plus\"><\/button>\n                                <button class=\"what-happens_button-minus\"><\/button>\n                            <\/div>\n                        <\/div>\n                        <div class=\"what-happens_item-content\">\n                            <div class=\"what-happens_items\">\n                                <div class=\"what-happens_item\">\n                                    <div class=\"what-happens-item_header\">\n                                        <h3>Why does Belsura offer a better price performance ratio than other suppliers?<\/h3>\n                                        <div>\n                                            <button class=\"what-happens_button-plus\"><\/button>\n                                            <button class=\"what-happens_button-minus\"><\/button>\n                                        <\/div>\n                                    <\/div>\n                                    <div class=\"what-happens_item-content\">\n                                        <p>It&#8217;s simple: other providers invest a lot of money in huge station posters and fancy TV commercials &#8211; and they have to recoup these costs through higher premiums. We, on the other hand, do without, thus recording hardly any expenses and are thus in a position to offer more favorable insurance solutions.<\/p>\n\n                                    <\/div>\n\t\t\t\t\t\t\t    <\/div>\n                                <div class=\"what-happens_item\">\n                                    <div class=\"what-happens-item_header\">\n                                        <h3>How can I be sure that a little-known provider like Belsura is really performing?<\/h3>\n                                        <div>\n                                            <button class=\"what-happens_button-plus\"><\/button>\n                                            <button class=\"what-happens_button-minus\"><\/button>\n                                        <\/div>\n                                    <\/div>\n                                    <div class=\"what-happens_item-content\">\n                                        <p>The insurer\/risk carrier of Belsura is Allianz Suisse and guarantees the benefits of the Belsura and an exclusive recommendation by AutoScout24 and FinanceScout24 is, of course, an additional first-class seal of approval.<\/p>\n\n                                    <\/div>\n\t\t\t\t\t\t\t    <\/div>\n                                <div class=\"what-happens_item\">\n                                    <div class=\"what-happens-item_header\">\n                                        <h3>What are the requirements to apply for Belsura car insurance?<\/h3>\n                                        <div>\n                                            <button class=\"what-happens_button-plus\"><\/button>\n                                            <button class=\"what-happens_button-minus\"><\/button>\n                                        <\/div>\n                                    <\/div>\n                                    <div class=\"what-happens_item-content\">\n                                        <ul>\n<li>The person who drives the car most often must be at least 20 years old and have had a driver&#8217;s license for at least 2 years.<\/li>\n<li>Currently living in Switzerland.<\/li>\n<li>A valid mobile number needs to be provided.<\/li>\n<li>If you change your insurance, please take into account the cancellation period of your previous insurer.<\/li>\n<\/ul>\n\n                                    <\/div>\n\t\t\t\t\t\t\t    <\/div>\n                                <div class=\"what-happens_item\">\n                                    <div class=\"what-happens-item_header\">\n                                        <h3>How do I apply for Belsura car insurance? <\/h3>\n                                        <div>\n                                            <button class=\"what-happens_button-plus\"><\/button>\n                                            <button class=\"what-happens_button-minus\"><\/button>\n                                        <\/div>\n                                    <\/div>\n                                    <div class=\"what-happens_item-content\">\n                                        <p style=\"text-align: justify;\">You&#8217;re only three steps away from your Belsura insurance:<\/p>\n<ol>\n<li style=\"text-align: justify;\">Calculate your premium on belsura.ch and receive our offer directly online.<\/li>\n<li style=\"text-align: justify;\">Conclude the insurance by clicking on &#8220;&#8221;conclude now&#8221;&#8221;. You have now concluded the policy in a legally valid way and you do not have to sign anything else.<\/li>\n<li style=\"text-align: justify;\">Register your car with the vehicle registration office in your canton of residence, i.e. have the insurance registered or transferred in your vehicle permit. From now on, your insurance coverage is guaranteed.<\/li>\n<\/ol>\n<p style=\"text-align: justify;\">Once you have completed these three steps, the insurance becomes legally binding. Even if you are only changing your insurance, you need to transfer your car at the road traffic department, as the insurance can only come into effect at that time, in accordance with the Swiss Federal Road Traffic Act (the liability insurance for your car is mandatory in Switzerland).<\/p>\n\n                                    <\/div>\n\t\t\t\t\t\t\t    <\/div>\n                                <div class=\"what-happens_item\">\n                                    <div class=\"what-happens-item_header\">\n                                        <h3>Which vehicles can I insure with Belsura?<\/h3>\n                                        <div>\n                                            <button class=\"what-happens_button-plus\"><\/button>\n                                            <button class=\"what-happens_button-minus\"><\/button>\n                                        <\/div>\n                                    <\/div>\n                                    <div class=\"what-happens_item-content\">\n                                        <p style=\"text-align: justify;\">You can insure passenger cars and small minivans or vans with us. Example: family car, station wagon, hybrid, convertible, limousine, as long as their weight does not exceed 3.5 tons and they can be found in the digital application process.<\/p>\n<p style=\"text-align: justify;\">You can&#8217;t insure cars that are over 25 years old at the time of the calculation of the offer.<\/p>\n<p style=\"text-align: justify;\">You can still insure certain models declared as commercial vehicles by the manufacturers. To find out if your type of vehicle can be insured with us, check the premium calculator&#8217;s selection list.<\/p>\n\n                                    <\/div>\n\t\t\t\t\t\t\t    <\/div>\n                                <div class=\"what-happens_item\">\n                                    <div class=\"what-happens-item_header\">\n                                        <h3>I have a problem, complaint or question about my Belsura insurance or my policy. Who can help me?<\/h3>\n                                        <div>\n                                            <button class=\"what-happens_button-plus\"><\/button>\n                                            <button class=\"what-happens_button-minus\"><\/button>\n                                        <\/div>\n                                    <\/div>\n                                    <div class=\"what-happens_item-content\">\n                                        <p>Belsura<br \/>\nc\/o TONI Digital Insurance Solutions AG<br \/>\nSeefeldstrasse 5a<br \/>\n8008 Z\u00fcrich<br \/>\nTelefon: +41 (0) 43 543 81 80<br \/>\nservice@belsura.ch<\/p>\n\n                                    <\/div>\n\t\t\t\t\t\t\t    <\/div>\n                                <div class=\"what-happens_item\">\n                                    <div class=\"what-happens-item_header\">\n                                        <h3>Is it possible to insure driving school cars or cabs with Belsura?<\/h3>\n                                        <div>\n                                            <button class=\"what-happens_button-plus\"><\/button>\n                                            <button class=\"what-happens_button-minus\"><\/button>\n                                        <\/div>\n                                    <\/div>\n                                    <div class=\"what-happens_item-content\">\n                                        <p style=\"text-align: justify;\">No, we do not have that option at this time.<\/p>\n\n                                    <\/div>\n\t\t\t\t\t\t\t    <\/div>\n                                <div class=\"what-happens_item\">\n                                    <div class=\"what-happens-item_header\">\n                                        <h3>Do I get a discount on my premium if I take a road safety course?<\/h3>\n                                        <div>\n                                            <button class=\"what-happens_button-plus\"><\/button>\n                                            <button class=\"what-happens_button-minus\"><\/button>\n                                        <\/div>\n                                    <\/div>\n                                    <div class=\"what-happens_item-content\">\n                                        <p style=\"text-align: justify;\">No, there is no discount for that. At Belsura you always start at the lowest bonus level, that&#8217;s why we don&#8217;t have the possibility to give other discounts.<\/p>\n\n                                    <\/div>\n\t\t\t\t\t\t\t    <\/div>\n                                <div class=\"what-happens_item\">\n                                    <div class=\"what-happens-item_header\">\n                                        <h3>I need my car for private use and now also for business. Do I have to adapt my insurance?<\/h3>\n                                        <div>\n                                            <button class=\"what-happens_button-plus\"><\/button>\n                                            <button class=\"what-happens_button-minus\"><\/button>\n                                        <\/div>\n                                    <\/div>\n                                    <div class=\"what-happens_item-content\">\n                                        <p style=\"text-align: justify;\">Yes, please inform us by e-mail about the change and the branch you work in.<\/p>\n\n                                    <\/div>\n\t\t\t\t\t\t\t    <\/div>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                    <div class=\"what-happens_item\">\n                        <div class=\"what-happens-item_header\">\n                            <h3>Before you get your Belsura insurance<\/h3>\n                            <div>\n                                <button class=\"what-happens_button-plus\"><\/button>\n                                <button class=\"what-happens_button-minus\"><\/button>\n                            <\/div>\n                        <\/div>\n                        <div class=\"what-happens_item-content\">\n                            <div class=\"what-happens_items\">\n                                <div class=\"what-happens_item\">\n                                    <div class=\"what-happens-item_header\">\n                                        <h3>When can I cancel my current insurance and change?<\/h3>\n                                        <div>\n                                            <button class=\"what-happens_button-plus\"><\/button>\n                                            <button class=\"what-happens_button-minus\"><\/button>\n                                        <\/div>\n                                    <\/div>\n                                    <div class=\"what-happens_item-content\">\n                                        <p>Depending on the regular cancellation period of your previous insurer, you can cancel your existing insurance. You will find the conditions in the policy or in the general terms and conditions of insurance (GTC). Usually, the cancellation period is three months after the end of the annual contract period. If you do not cancel, the contract is usually extended for one year. However, there are sometimes multi-year contracts that cannot be terminated or contracts that can be terminated within a shorter period.<\/p>\n<p>You can also cancel your insurance during the year in the following cases:<\/p>\n<ul>\n<li><strong>Change of vehicle<\/strong><br \/>\nYou can cancel your insurance for your old car if you replace it with a new one. You must inform the old insurer in time for the contract to be cancelled and the prepaid premium refunded. If your car has been totally damaged, the premium cannot be refunded. You have just collected your new car from your previous insurer and you want to switch to Belsura? No problem, you can terminate the contract with your previous insurer within 14 days after collection.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Change in premiums<\/strong><br \/>\nIf your current insurance increases the premium, changes the deductible or reduces the benefits, you can cancel your contract for the date on which the change takes effect. Your cancellation must be received by the insurance company before the change takes effect.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Owner of car changes<\/strong><br \/>\nWhen the owner of the car changes, the comprehensive insurance lapses and the liability insurance is transferred to the new owner. The liability insurance can be cancelled by the new owner within 14 days of the transfer. The old liability insurance only expires once the new insurance is recorded in the registration certificate.<br \/>\nIf the owner of the car changes within the family, some insurances do not recognize the change as a reason for cancellation.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>In the event of a disaster<\/strong><br \/>\nYou can cancel your insurance if the insurance company pays out a claim. The time limits are set out in the general terms and conditions of contract (GTC). The insurance company&#8217;s liability expires 14 days after receipt of the notice of termination. If the contract has been in force for more than one year and the loss is not a total loss, the annual premium paid in advance will be refunded on a pro rata basis.<\/li>\n<\/ul>\n\n                                    <\/div>\n\t\t\t\t\t\t\t    <\/div>\n                                <div class=\"what-happens_item\">\n                                    <div class=\"what-happens-item_header\">\n                                        <h3>Does Belsura offer a cancellation service?<\/h3>\n                                        <div>\n                                            <button class=\"what-happens_button-plus\"><\/button>\n                                            <button class=\"what-happens_button-minus\"><\/button>\n                                        <\/div>\n                                    <\/div>\n                                    <div class=\"what-happens_item-content\">\n                                        <p style=\"text-align: justify;\">We would love to, but most insurances require a personally signed cancellation by the policyholder, which is why we cannot handle the cancellation process for you.<\/p>\n<p style=\"text-align: justify;\">We will be happy to help you terminate your contract. We have prepared a termination letter for you \u2013 just fill it in with some information and send it to your prior insurance company.<\/p>\n\n                                    <\/div>\n\t\t\t\t\t\t\t    <\/div>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                    <div class=\"what-happens_item\">\n                        <div class=\"what-happens-item_header\">\n                            <h3>Insurance coverage<\/h3>\n                            <div>\n                                <button class=\"what-happens_button-plus\"><\/button>\n                                <button class=\"what-happens_button-minus\"><\/button>\n                            <\/div>\n                        <\/div>\n                        <div class=\"what-happens_item-content\">\n                            <div class=\"what-happens_items\">\n                                <div class=\"what-happens_item\">\n                                    <div class=\"what-happens-item_header\">\n                                        <h3>Where can I find detailed information on the different coverages?<\/h3>\n                                        <div>\n                                            <button class=\"what-happens_button-plus\"><\/button>\n                                            <button class=\"what-happens_button-minus\"><\/button>\n                                        <\/div>\n                                    <\/div>\n                                    <div class=\"what-happens_item-content\">\n                                        <p style=\"text-align: justify;\">Detailed information on basic coverage, supplementary coverage and contractual conditions can be found in our GTC. General Terms and Conditions of Insurance (GTCI). Please read this document before concluding the contract. In case of doubt, please contact our Contact our support.<\/p>\n\n                                    <\/div>\n\t\t\t\t\t\t\t    <\/div>\n                                <div class=\"what-happens_item\">\n                                    <div class=\"what-happens-item_header\">\n                                        <h3>Should I expect an increase in the premium the following year?<\/h3>\n                                        <div>\n                                            <button class=\"what-happens_button-plus\"><\/button>\n                                            <button class=\"what-happens_button-minus\"><\/button>\n                                        <\/div>\n                                    <\/div>\n                                    <div class=\"what-happens_item-content\">\n                                        <p style=\"text-align: justify;\">We always want to offer you the best price-performance ratio. That&#8217;s why we are not applying any categorical premium increases for the following years.<\/p>\n\n                                    <\/div>\n\t\t\t\t\t\t\t    <\/div>\n                                <div class=\"what-happens_item\">\n                                    <div class=\"what-happens-item_header\">\n                                        <h3>Can I select the Bonus Protection option for my car insurance?<\/h3>\n                                        <div>\n                                            <button class=\"what-happens_button-plus\"><\/button>\n                                            <button class=\"what-happens_button-minus\"><\/button>\n                                        <\/div>\n                                    <\/div>\n                                    <div class=\"what-happens_item-content\">\n                                        <p style=\"text-align: justify;\">At Belsura, there is no bonus-malus system. That&#8217;s why you can&#8217;t choose a bonus protection option with us either. With us, you are always at the lowest bonus level. In addition, all Belsura policies include premium protection, so you don&#8217;t have to worry about a premium increase after the first claim.<\/p>\n\n                                    <\/div>\n\t\t\t\t\t\t\t    <\/div>\n                                <div class=\"what-happens_item\">\n                                    <div class=\"what-happens-item_header\">\n                                        <h3>If I lend my car to a friend, is it insured?<\/h3>\n                                        <div>\n                                            <button class=\"what-happens_button-plus\"><\/button>\n                                            <button class=\"what-happens_button-minus\"><\/button>\n                                        <\/div>\n                                    <\/div>\n                                    <div class=\"what-happens_item-content\">\n                                        <p style=\"text-align: justify;\">If you have given your friend permission to use the car, she is also insured. In the premium calculator, you can indicate whether people under 25 years of age also use your car. Please enter the correct data here, so that we do not have to reduce the benefit in the event of a claim. Please note that the agreed deductible is increased by CHF 1,000 for drivers aged below 25 and young drivers in the case of liability and comprehensive events. The deductible for the partially comprehensive insurance does not increase.<\/p>\n\n                                    <\/div>\n\t\t\t\t\t\t\t    <\/div>\n                                <div class=\"what-happens_item\">\n                                    <div class=\"what-happens-item_header\">\n                                        <h3>Can I insure multiple vehicles with interchangeable plates with Belsura? <\/h3>\n                                        <div>\n                                            <button class=\"what-happens_button-plus\"><\/button>\n                                            <button class=\"what-happens_button-minus\"><\/button>\n                                        <\/div>\n                                    <\/div>\n                                    <div class=\"what-happens_item-content\">\n                                        <p style=\"text-align: justify;\">Currently, we do not offer this option.<\/p>\n\n                                    <\/div>\n\t\t\t\t\t\t\t    <\/div>\n                                <div class=\"what-happens_item\">\n                                    <div class=\"what-happens-item_header\">\n                                        <h3>Are trailers covered by insurance?<\/h3>\n                                        <div>\n                                            <button class=\"what-happens_button-plus\"><\/button>\n                                            <button class=\"what-happens_button-minus\"><\/button>\n                                        <\/div>\n                                    <\/div>\n                                    <div class=\"what-happens_item-content\">\n                                        <p style=\"text-align: justify;\">Trailers are only included in the liability insurance, not in the comprehensive insurance. If you want the trailer to be included in the comprehensive insurance, you can contact us.<\/p>\n\n                                    <\/div>\n\t\t\t\t\t\t\t    <\/div>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                    <div class=\"what-happens_item\">\n                        <div class=\"what-happens-item_header\">\n                            <h3>Questions about the premium calculator<\/h3>\n                            <div>\n                                <button class=\"what-happens_button-plus\"><\/button>\n                                <button class=\"what-happens_button-minus\"><\/button>\n                            <\/div>\n                        <\/div>\n                        <div class=\"what-happens_item-content\">\n                            <div class=\"what-happens_items\">\n                                <div class=\"what-happens_item\">\n                                    <div class=\"what-happens-item_header\">\n                                        <h3>I already got my driver's licence before I turned 18. What information do I need to provide?<\/h3>\n                                        <div>\n                                            <button class=\"what-happens_button-plus\"><\/button>\n                                            <button class=\"what-happens_button-minus\"><\/button>\n                                        <\/div>\n                                    <\/div>\n                                    <div class=\"what-happens_item-content\">\n                                        <p style=\"text-align: justify;\">If you obtained your driver&#8217;s licence before the age of 18, you must pay the date of acquisition of the driver&#8217;s license as if it were after your 18th birthday. If you want to take out the insurance, you can tell us the correct date so that we can enter it correctly in the policy.<\/p>\n\n                                    <\/div>\n\t\t\t\t\t\t\t    <\/div>\n                                <div class=\"what-happens_item\">\n                                    <div class=\"what-happens-item_header\">\n                                        <h3>My car is not in the selection list of the premium calculator. What information do I need to provide?<\/h3>\n                                        <div>\n                                            <button class=\"what-happens_button-plus\"><\/button>\n                                            <button class=\"what-happens_button-minus\"><\/button>\n                                        <\/div>\n                                    <\/div>\n                                    <div class=\"what-happens_item-content\">\n                                        <p style=\"text-align: justify;\">If the make and model of your car are available in the premium calculator and you cannot find the specific model type, you can choose another type of the same model. It must have the same power (HP) and a similar new price as your car.<\/p>\n<p style=\"text-align: justify;\">If you still have questions, don&#8217;t hesitate to contact our support.<\/p>\n\n                                    <\/div>\n\t\t\t\t\t\t\t    <\/div>\n                                <div class=\"what-happens_item\">\n                                    <div class=\"what-happens-item_header\">\n                                        <h3>How much time do I have to make use of the calculated quote?<\/h3>\n                                        <div>\n                                            <button class=\"what-happens_button-plus\"><\/button>\n                                            <button class=\"what-happens_button-minus\"><\/button>\n                                        <\/div>\n                                    <\/div>\n                                    <div class=\"what-happens_item-content\">\n                                        <p style=\"text-align: justify;\">You have 30 days to apply. After this time, you will have to request a new quote to purchase Belsura car insurance.<\/p>\n\n                                    <\/div>\n\t\t\t\t\t\t\t    <\/div>\n                                <div class=\"what-happens_item\">\n                                    <div class=\"what-happens-item_header\">\n                                        <h3>I won't need the insurance until a later date. Can I calculate the quote anyway?<\/h3>\n                                        <div>\n                                            <button class=\"what-happens_button-plus\"><\/button>\n                                            <button class=\"what-happens_button-minus\"><\/button>\n                                        <\/div>\n                                    <\/div>\n                                    <div class=\"what-happens_item-content\">\n                                        <p style=\"text-align: justify;\">Yes, you can \u2013 as long as the desired start date of the insurance is no more than 5 months after the calculation date of the quote.<\/p>\n\n                                    <\/div>\n\t\t\t\t\t\t\t    <\/div>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                    <div class=\"what-happens_item\">\n                        <div class=\"what-happens-item_header\">\n                            <h3>Registration of your car<\/h3>\n                            <div>\n                                <button class=\"what-happens_button-plus\"><\/button>\n                                <button class=\"what-happens_button-minus\"><\/button>\n                            <\/div>\n                        <\/div>\n                        <div class=\"what-happens_item-content\">\n                            <div class=\"what-happens_items\">\n                                <div class=\"what-happens_item\">\n                                    <div class=\"what-happens-item_header\">\n                                        <h3>What if I don't know the car's registration number yet, but it is requested in the additional questions? <\/h3>\n                                        <div>\n                                            <button class=\"what-happens_button-plus\"><\/button>\n                                            <button class=\"what-happens_button-minus\"><\/button>\n                                        <\/div>\n                                    <\/div>\n                                    <div class=\"what-happens_item-content\">\n                                        <p style=\"text-align: justify;\">If the registration number is not known, for example because you have an imported vehicle, you can use the chassis number. Our support will be happy to help you.<\/p>\n\n                                    <\/div>\n\t\t\t\t\t\t\t    <\/div>\n                                <div class=\"what-happens_item\">\n                                    <div class=\"what-happens-item_header\">\n                                        <h3>How do I tell my DMV about the insurance change?<\/h3>\n                                        <div>\n                                            <button class=\"what-happens_button-plus\"><\/button>\n                                            <button class=\"what-happens_button-minus\"><\/button>\n                                        <\/div>\n                                    <\/div>\n                                    <div class=\"what-happens_item-content\">\n                                        <p style=\"text-align: justify;\">We automatically send the electronic insurance certificate to all the road traffic departments in your canton. You can then either send your existing driving licence by post to the road traffic department \u2013 which you should do about four to five days before the insurance starts\u00a0\u2013 or you can go to the motor vehicle department in person.<br \/>\nIf you choose to send your application by mail, you must attach a note to the vehicle permit indicating the date of the insurance change. The road traffic department will send you the new permit within a week.<\/p>\n<p style=\"text-align: justify;\">When choosing the start date of the insurance, please take into account public holidays, as the registration certificate must be submitted to the road traffic department before the holiday. In this case, Belsura recommends to start the insurance a few days before. In any case, you should avoid a period without insurance.<\/p>\n\n                                    <\/div>\n\t\t\t\t\t\t\t    <\/div>\n                                <div class=\"what-happens_item\">\n                                    <div class=\"what-happens-item_header\">\n                                        <h3>How do I register a new or a used car? <\/h3>\n                                        <div>\n                                            <button class=\"what-happens_button-plus\"><\/button>\n                                            <button class=\"what-happens_button-minus\"><\/button>\n                                        <\/div>\n                                    <\/div>\n                                    <div class=\"what-happens_item-content\">\n                                        <p>In general, we send the electronic insurance certificate to the road traffic departments of your canton. As soon as the road traffic department has received your driving licence, the car is registered. Your insurance will take effect on the date of collection by the road traffic department. For new cars, the registration is usually done by your car dealer.<\/p>\n<p>Please prepare the following documents for the registration:<\/p>\n<ul>\n<li>Original registration certificate of the old car (if you have an old car)<\/li>\n<li>A vehicle permit for used cars or an appraisal report using form 13.20A for new cars. Most of the time, the form is filled out by your car dealer.<\/li>\n<\/ul>\n<p>The road traffic department will send you the new permit within a week.<\/p>\n\n                                    <\/div>\n\t\t\t\t\t\t\t    <\/div>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                    <div class=\"what-happens_item\">\n                        <div class=\"what-happens-item_header\">\n                            <h3>Contractual conditions<\/h3>\n                            <div>\n                                <button class=\"what-happens_button-plus\"><\/button>\n                                <button class=\"what-happens_button-minus\"><\/button>\n                            <\/div>\n                        <\/div>\n                        <div class=\"what-happens_item-content\">\n                            <div class=\"what-happens_items\">\n                                <div class=\"what-happens_item\">\n                                    <div class=\"what-happens-item_header\">\n                                        <h3>When does the insurance start?<\/h3>\n                                        <div>\n                                            <button class=\"what-happens_button-plus\"><\/button>\n                                            <button class=\"what-happens_button-minus\"><\/button>\n                                        <\/div>\n                                    <\/div>\n                                    <div class=\"what-happens_item-content\">\n                                        <p>It depends on whether you registered your car before or after the chosen start date. In the first case, the chosen start date of insurance applies, in the second case, the date of registration.<\/p>\n\n                                    <\/div>\n\t\t\t\t\t\t\t    <\/div>\n                                <div class=\"what-happens_item\">\n                                    <div class=\"what-happens-item_header\">\n                                        <h3>Where is my Belsura car insurance valid?<\/h3>\n                                        <div>\n                                            <button class=\"what-happens_button-plus\"><\/button>\n                                            <button class=\"what-happens_button-minus\"><\/button>\n                                        <\/div>\n                                    <\/div>\n                                    <div class=\"what-happens_item-content\">\n                                        <p>In accordance with the scope of the &#8220;International Insurance Card&#8221;, your Belsura insurance is valid in Europe and in the countries bordering the Mediterranean. The coverage for accidental damage and passenger accidents as well as the breakdown service are also valid in Kosovo.<\/p>\n\n                                    <\/div>\n\t\t\t\t\t\t\t    <\/div>\n                                <div class=\"what-happens_item\">\n                                    <div class=\"what-happens-item_header\">\n                                        <h3>Who is my contractual partner?<\/h3>\n                                        <div>\n                                            <button class=\"what-happens_button-plus\"><\/button>\n                                            <button class=\"what-happens_button-minus\"><\/button>\n                                        <\/div>\n                                    <\/div>\n                                    <div class=\"what-happens_item-content\">\n                                        <p>TONI Digital Insurance Solutions AG acts as a tied insurance intermediary for the insurance companies listed below.<\/p>\n<p><strong>Allianz Suisse Insurance Company Ltd<\/strong><br \/>\nInsurer of third party liability, partial cover and collision insurance.<\/p>\n<p><strong>TAS Assurances SA<\/strong><br \/>\nInsurer for the breakdown service (assistance insurance)<\/p>\n<p><strong>Assista Legal Protection Ltd.<\/strong><br \/>\nInsurer for the legal protection of vehicles<\/p>\n\n                                    <\/div>\n\t\t\t\t\t\t\t    <\/div>\n                                <div class=\"what-happens_item\">\n                                    <div class=\"what-happens-item_header\">\n                                        <h3>When does Belsura send the insurance documents?<\/h3>\n                                        <div>\n                                            <button class=\"what-happens_button-plus\"><\/button>\n                                            <button class=\"what-happens_button-minus\"><\/button>\n                                        <\/div>\n                                    <\/div>\n                                    <div class=\"what-happens_item-content\">\n                                        <p>As soon as we receive the confirmation of the collection from the road traffic department, we send you your policy and the &#8220;international insurance card&#8221; electronically. Usually, you will receive your invoice once a year. In some cases, it can take up to four weeks before we can send you the documents, as we are dependent on the Swiss road traffic authorities for this.<\/p>\n\n                                    <\/div>\n\t\t\t\t\t\t\t    <\/div>\n                                <div class=\"what-happens_item\">\n                                    <div class=\"what-happens-item_header\">\n                                        <h3>Can I print my own \"International Insurance Card\"?<\/h3>\n                                        <div>\n                                            <button class=\"what-happens_button-plus\"><\/button>\n                                            <button class=\"what-happens_button-minus\"><\/button>\n                                        <\/div>\n                                    <\/div>\n                                    <div class=\"what-happens_item-content\">\n                                        <p>Since July 1, 2020, you can print the &#8220;green insurance card&#8221;, now &#8220;international insurance card&#8221;, on white paper yourself \u2013 it is no longer necessary to use green paper.<\/p>\n\n                                    <\/div>\n\t\t\t\t\t\t\t    <\/div>\n                                <div class=\"what-happens_item\">\n                                    <div class=\"what-happens-item_header\">\n                                        <h3>What are the cancellation periods for Belsura car insurance?<\/h3>\n                                        <div>\n                                            <button class=\"what-happens_button-plus\"><\/button>\n                                            <button class=\"what-happens_button-minus\"><\/button>\n                                        <\/div>\n                                    <\/div>\n                                    <div class=\"what-happens_item-content\">\n                                        <p>Your policy is valid for one year from the beginning of the insurance and is automatically renewed for another year. However, you can terminate your policy with Belsura at any time by the end of a month, even during the term of the contract. You can also cancel the contract in the following cases:<\/p>\n<ul>\n<li><strong>New car<\/strong><br \/>\nYou can cancel your insurance for the old car if you replace it with a new one. You have to inform us in time so that the contract can be cancelled and the prepaid premium refunded. If your car has suffered total damage, the premium cannot be refunded.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Change in premiums<\/strong><br \/>\nIf Belsura increases the premium, changes the deductible or reduces the benefits, you can terminate your contract with effect from the date on which the adjustment takes effect. Your termination must be received by us before the change takes effect.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Support: change inside<\/strong><br \/>\nWhen the owner of the car changes, the comprehensive insurance lapses and the liability insurance is transferred to the new owner. The liability insurance can be cancelled by the new owner within 14 days of the transfer. Only when the new insurance is registered in the registration certificate, the old liability insurance expires.<br \/>\nIf the owner of the car changes within the family, some insurances do not recognize the change as a reason for cancellation.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>In the event of a disaster<\/strong><br \/>\nYou can cancel your insurance if the insurance company pays out a claim. The time limits are set out in the general terms and conditions of contract (GTC). The insurance company&#8217;s liability expires 14 days after receipt of the notice of termination. If the contract has been in force for more than one year and the loss is not a total loss, the annual premium paid in advance will be refunded on a pro rata basis.<\/li>\n<\/ul>\n\n                                    <\/div>\n\t\t\t\t\t\t\t    <\/div>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                    <div class=\"what-happens_item\">\n                        <div class=\"what-happens-item_header\">\n                            <h3>In the event of an accident<\/h3>\n                            <div>\n                                <button class=\"what-happens_button-plus\"><\/button>\n                                <button class=\"what-happens_button-minus\"><\/button>\n                            <\/div>\n                        <\/div>\n                        <div class=\"what-happens_item-content\">\n                            <div class=\"what-happens_items\">\n                                <div class=\"what-happens_item\">\n                                    <div class=\"what-happens-item_header\">\n                                        <h3>Where can I get my car repaired if I have a claim?<\/h3>\n                                        <div>\n                                            <button class=\"what-happens_button-plus\"><\/button>\n                                            <button class=\"what-happens_button-minus\"><\/button>\n                                        <\/div>\n                                    <\/div>\n                                    <div class=\"what-happens_item-content\">\n                                        <p>That depends on whether you have included the &#8220;free choice of garage&#8221; or not. If so, you can choose your garage freely. If not, you can rely on Belsura&#8217;s garage network.<\/p>\n\n                                    <\/div>\n\t\t\t\t\t\t\t    <\/div>\n                                <div class=\"what-happens_item\">\n                                    <div class=\"what-happens-item_header\">\n                                        <h3>What to do in case of a claim?<\/h3>\n                                        <div>\n                                            <button class=\"what-happens_button-plus\"><\/button>\n                                            <button class=\"what-happens_button-minus\"><\/button>\n                                        <\/div>\n                                    <\/div>\n                                    <div class=\"what-happens_item-content\">\n                                        <p>You report the damage immediately online or by phone at +41 43 543 81 80. In the event of a breakdown, you can call the same number.<\/p>\n<p><strong>Caution:<\/strong> Never sign third-party requests or documents written in a foreign language!<\/p>\n\n                                    <\/div>\n\t\t\t\t\t\t\t    <\/div>\n                                <div class=\"what-happens_item\">\n                                    <div class=\"what-happens-item_header\">\n                                        <h3>What does Belsura do in the event of a claim?<\/h3>\n                                        <div>\n                                            <button class=\"what-happens_button-plus\"><\/button>\n                                            <button class=\"what-happens_button-minus\"><\/button>\n                                        <\/div>\n                                    <\/div>\n                                    <div class=\"what-happens_item-content\">\n                                        <p>For the handling and settlement of claims, Belsura collaborates with a network of experienced and competent partners. These include Carglass, AVUS and Repanet. In the event of a claim, we will inform you as soon as the damage is reported and keep you informed about the situation.<\/p>\n\n                                    <\/div>\n\t\t\t\t\t\t\t    <\/div>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"testimonials car-insurance\">\n\t\t    <div class=\"testimonials__container container\">\n\t\t\t    <div class=\"glide-section\">\n\t\t\t\t    <div id=\"glide-testimonials\" class=\"glide\">\n\t\t\t\t\t    <div class=\"glide__track\" data-glide-el=\"track\">\n\t\t\t\t\t\t    <ul class=\"glide__slides\">\n                                <li class=\"glide__slide\">\n                                    <p class=\"glide__slide_info\">\u00abThanks to our collaboration with Belsura, we, as an insurer, can ensure that our customers are not only optimally insured but also benefit from outstanding after-sales service. Belsura\u2019s innovative digital platform makes the entire process simple and accessible.\u00bb<\/p>\n                                    <div class=\"glide__slide_general\">\n                                        <img decoding=\"async\" src=\"https:\/\/www.belsura.ch\/wp-content\/uploads\/2022\/08\/urs.jpg\" alt=\"\">\n                                        <div>\n                                            <p class=\"name\">Dr. Urs Bischoff<\/p>\n                                            <p class=\"job\">Head of Distribution Switzerland<\/p>\n                                        <\/div>\n                                    <\/div>\n                                <\/li>\n                                <li class=\"glide__slide\">\n                                    <p class=\"glide__slide_info\">\u00abWith Belsura, I feel fully covered at an unbeatable price. Highly recommended.\u00bb<\/p>\n                                    <div class=\"glide__slide_general\">\n                                        <img decoding=\"async\" src=\"https:\/\/www.belsura.ch\/wp-content\/uploads\/2022\/08\/laura.jpg\" alt=\"\">\n                                        <div>\n                                            <p class=\"name\">Laura<\/p>\n                                            <p class=\"job\">Belsura customer<\/p>\n                                        <\/div>\n                                    <\/div>\n                                <\/li>\n                                <li class=\"glide__slide\">\n                                    <p class=\"glide__slide_info\">\u00abAt Belsura, together with 3.000 customers, we have developed an excellent insurance that offers comprehensive protection at great prices!\u00bb<\/p>\n                                    <div class=\"glide__slide_general\">\n                                        <img decoding=\"async\" src=\"https:\/\/www.belsura.ch\/wp-content\/uploads\/2022\/08\/severin.jpg\" alt=\"\">\n                                        <div>\n                                            <p class=\"name\">Severin L\u00fcthert<\/p>\n                                            <p class=\"job\">Product & Business Development<\/p>\n                                        <\/div>\n                                    <\/div>\n                                <\/li>\n                            <\/ul>\n\t\t\t\t\t    <\/div>\n                        <div class=\"control_buttons\" data-glide-el=\"controls\">\n                            <button class=\"glide-left_button\" data-glide-dir=\"<\"><\/button>\n                            <button class=\"glide-right_button\" data-glide-dir=\">\"><\/button>\n                        <\/div>\n\t\t\t\t    <\/div>\n\t\t\t    <\/div>\n\t\t    <\/div>\n        <\/div>\n        <div id=\"contact\" class=\"whats-next\">\n            <div class=\"container\">\n                <h2>What happens next?<\/h2>\n                <p class=\"medium\">Our experts will answer your questions.<\/p>\n                <p class=\"medium\">Monday - Friday from 8:00 to 18:30<\/p>\n                <div class=\"whats-next_contact\">\n                    <div class=\"whats-next_mail\">\n                        <img decoding=\"async\" src=\"https:\/\/www.belsura.ch\/wp-content\/uploads\/2025\/03\/email.svg\" alt=\"\">\n                        <p class=\"medium\">Send us your request \n via email<\/p>\n                    <\/div>\n                    <div class=\"whats-next_phone\">\n                        <img decoding=\"async\" src=\"https:\/\/www.belsura.ch\/wp-content\/uploads\/2025\/03\/phone.svg\" alt=\"\">\n                        <p class=\"medium\">Call us at \n +41 43 543 81 80<\/p>\n                    <\/div>\n                <\/div>\n                <div class=\"belsura-specialties_buttons\">\n                    <a href=\"https:\/\/insurances.belsura.ch\/en\/onboarding\/personal-auto\/vehicle\" class=\"primary\">Calculate an offer<\/a>\n                <\/div>\n            <\/div>\n        <\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_raw_js]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[\/vc_raw_js][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][\/vc_column][\/vc_row][vc_row][vc_column][vc_raw_js]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[\/vc_raw_js][\/vc_column][\/vc_row]<\/p>\n","protected":false},"author":11,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1402","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - 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