Fleet insurance. Protection for your company vehicles.

1. Contact your new insurance company and request proof of insurance.

Proof of insurance confirms to the authorities that you have liability insurance for your vehicle – this is mandatory in Switzerland.
We require a current vehicle list shortly before the start of the contract in order to produce proof of insurance. Please send this by e-mail to your responsible specialist. We then send the proof directly to the responsible road traffic office. You will receive a copy of the proof from us at the same time.

2. Vehicle registration at the road traffic office

After the road traffic office has received proof of insurance, your vehicles can be registered. You will then receive the vehicle registration document in which your insurance company is registered.

3. Confirmation and insurance policy

As soon as the road traffic office confirms registration of your vehicle, we will draw up your insurance policy and send it to you.

If a new vehicle is added to your fleet, you must register it with the vehicle licensing office. To do this, you need a certificate of insurance showing that you have liability insurance. You may order proof of this registration directly by e-mail. You do not need to send additional information to Helvetia. Your new vehicle will automatically be added to the contract and is also insured as of the time it is registered.

The same applies to a decommissioning. In this case too you do not need to send us separate information. Your contract will be updated automatically.

This saves you administrative time and your insurance contract is always up-to-date.

Why prevention is important

• Cutting costs: Fewer claims result in lower repair costs, shorter downtime, and fewer replacement vehicles.
• Greater security: Structured risk management improves vehicle safety, reduces the accident rate and protects against liability risks.
• Stable premiums: Efficient claims management keeps the claims ratio low and ensures constant insurance premiums.

Prevention is better than premium increases

Rising spare parts costs, inflation and supply bottlenecks require a proactive approach. While modern driver assistance systems can prevent accidents, they also increase repair costs. It is therefore important to check your insurance cover regularly and adapt it to market conditions.

How you and your company benefit

• Risk analysis: A detailed analysis of the specific risks of your fleet makes it possible to determine tailor-made insurance conditions and to adapt your policies accordingly.
• Efficient claims processing: Fast and transparent processing reduces downtimes and repair costs.
• External support: On request, we can selectively offer a holistic claims management solution, covering everything from notification to organization of a replacement vehicle.
• Lower claims ratio: Preventive measures reduce the frequency of claims by up to 40% and reduce your premiums in the long term.
• Sustainable savings: Fewer claims mean lower operating costs and insurance expenses.
• Optimized conditions: A low claims ratio leads to better insurance conditions and more stable contributions, which allows you to reliably plan costs.
• Minimized downtimes: Efficient claims management ensures that your vehicle fleet is ready for use again quickly and thus increases operational efficiency.
  

1. Contacting Helvetia

Report your vehicle damage easily online. A personal contact person will then accompany you through the entire process and will be happy to help with any questions.

2. Vehicle appraisal

A specialist assesses the damage to your vehicle to determine the exact amount.

3. Damage repair

Option 1: Repair by a Helvetia partner company. You benefit from free services incl. a replacement car and a lifetime warranty.

Option 2: Repair by a garage of your choice.

Option 3: Payment of an agreed amount if you waive a repair.

Your contact person will remain available for questions throughout the entire process until the case has been dealt with.

Fleet insurance protects you in Switzerland, the Principality of Liechtenstein, European countries and non-European Mediterranean rim states and Mediterranean island states.

Helvetia charges an advance premium for the relevant insurance year at the beginning of each insurance year. The larger and smaller premiums that arise in the course of the insurance year owing to vehicle-related changes are settled for all vehicles together in the 1st quarter of the following year.