young-man

Fast, easy motor insurance — Get covered in minutes

We make motor vehicle insurance fast and simple. With our risk carrier TSM Insurance Company, we offer coverage from mandatory third-party liability to fully comprehensive, with or without parking damage cover. These can be supplemented by roadside assistance from Europe Assistance and legal protection from Assista. No complicated forms, no hidden costs — choose the cover that suits your needs.

gold-arrow-icon

Our Motor Insurance plans

Flexible motor insurance for every driver

Third-Party Liability
Mandatory

Third-Party Liability

Legally required insurance covering damage to third parties caused by your vehicle. Up to CHF 100 million in coverage per event.

Partial Casco
Standard

Partial Casco

Coverage for theft, natural hazards, animal damage, and vandalism. Stay protected from the unexpected.

Full Casco
Total

Full Casco

Includes all coverage from the partial insurance. Additionally, collision damage, compensation for loss of use, and personal belongings in the vehicle are also covered. Complete peace of mind.

Full Casco + Parking Damage
Premium

Full Casco + Parking Damage

Additional coverage with no deductible for damage to your parked car caused by an unknown third party.

Instant Quote Calculator

Get a tailored quote in minutes with Automate’s calculator. Enter your details and receive an instant premium estimate.

Choose option select-icon
  • {{ $t(option.text) }}

Add extra protection to your motor insurance

Icon 1

Passenger Accident Coverage

Financial support for medical expenses, disability, or death resulting from an accident. Coverage lasts up to 5 years.

Icon 2

Road Assistance

24/7 help if your vehicle breaks down or after an accident - keep moving, worry-free.

Icon 3

Legal Protection

Coverage for legal issues related to your vehicle, including those that occur while driving.

Your Questions, Answered

We’ve gathered the most commonly asked questions to make it easier for you to find the information you need, quickly and clearly. No hassle, just answers.

Why choose Automate? Key Benefits at a Glance Toggle
Save up to 25% on premiums. Fixed rates with no bonus/malus system and gross negligence protection included.
Comprehensive Protection
100% new value compensation for total loss or theft in the first two years. Flexible one-year contracts, with no long-term commitment.
Trusted and Certified Repairs
Carrosserie Suisse-certified workshops, original spare parts, and a 5-year warranty on all repairs. Free delivery and collection service available.
Eco-Friendly Repairs
Sustainable repairs using environmentally friendly materials
Fast and Convenient Claims
Paperless, online claims processing and free choice of garage for repairs.
What is the deductible for my insurance coverages? Toggle
Deductibles vary by coverage and can be found in your policy documents or through our online platform. Make sure to fill out all application details accurately, as this can affect the deductible if you file a claim. For exact amounts, check your policy or log in to our platform.
Does my comprehensive insurance cover parking damage? Toggle
Yes, even if the additional cover for parking damage has not been added to the fully comprehensive cover. Then simply apply the agreed deductible for collisions of CHF 1,000 or CHF 500.
Is a replacement car covered in my policy? Toggle
Yes, if you have our Comprehensive 2 policy, which includes collision coverage, you're covered up to CHF 1,000 for a replacement car or alternative transport. Refer to your policy or reach out for specific details.
Can I switch from semi-annual to annual payments? Toggle
Absolutely, as long as your payments are up to date. Contact customer service to make the change.
Can I delay my invoice payment? Toggle
Yes, you can delay your invoice payment for precisely 20 days. During this period, the system will pause the reminder process. However, this option is not available if your payment has reached the third reminder.
How can I get a copy of my claims history? Toggle
Reach out to our customer service or your broker to request your claims history.
How do I submit my bank details? Toggle
If you need a premium refund or have a pending claim, submit your bank info via the link we’ll send by email.
Why don't I get a PAYD (pay what you drive) discount? Toggle
The discount is only granted if no claims were reported in the year under review and the annual kilometers driven do not exceed 15,000 km and the insurance contract is continued.
Which countries are covered under my motor insurance? Toggle
Our standard motor insurance covers most European countries, but some exceptions apply. Notably, Kosovo, Georgia, and Armenia are not included in our standard policy, and coverage for Russia and Belarus is currently suspended.

For a complete list of insured countries, please refer to this link. If you're traveling to an excluded country like Kosovo, you'll need to purchase liability insurance at the border (approx. 25 euros). Comprehensive insurance claims (both partial and full casco) are not covered.