About the insurance policy

A deeper look into the insurance and breakdown cover included with an All-in-one package

In case of emergency, such as an accident or breakdown, please contact the insurer (Baloise) directly on +41 58 285 05 59 – Available 24/7

Every All-in-one package comes with comprehensive and collision (full casco) insurance provided by Baloise Insurances.

Looking to make an insurance claim? Submit a report online

What’s included in the insurance?

Each All-in-one package includes full casco insurance provided by Baloise insurance. The full casco insurance package includes:

Third-party liability insurance

This insurance covers personal injury or damages caused with your car by you or a person you’re responsible for.

Third-party liability insurance also covers the costs of justly asserted claims and of defence against unjustly asserted liability claims.

0 CHF deductible.

Insured amount: CHF 100 million

Partial cover

Partial casco insurance covers damages to your car that you have not caused yourself.

This includes damage caused by fire, natural hazards, vandalism, glass breakage, marten bites, collisions with animals and theft.

CHF 0 deductible for repairs at any garage recommended by Baloise.

CHF 300 deductible for repairs at non-partner garages.

Find partner garages (German)

Collision insurance (full casco)

Full casco insurance is the combination of partial casco and collision insurance.

Collision insurance pays for damage to your car that have been caused by yourself or an unknown third party such as accidental scratches to the car body or damage from an impact.

Full casco insurance (partial cover + collision insurance) must be taken out when leasing a car in Switzerland.

CHF 700 deductible for repairs at any garage recommended by Baloise or official brand garage. (CHF 200 for contracts signed before June 8th, 2021)

CHF 1000 deductible for repairs at non-partner garages. (CHF 500 for contracts signed before June 8th, 2021)

Find partner garages (German)

Breakdown assistance

Cars with an All-in-one package are covered in the event of a breakdown on the road.

This includes the cost of on-site breakdown assistance, the towing of the car to the nearest garage, return travel to your home or overnight accommodation for all occupants if you are not able to return. If you have to continue your journey, the costs are covered to a certain extent.

The cover also includes return transport of the car after a breakdown, accident, or theft.

Learn more about breakdown assistance

Using your insurance services

To use the services included in the insurance, you can contact All-in-one customer service via phone, email or via an online form. You’ll be asked to provide your All-in-one customer number that can be found on your gowago.ch All-in-one card or your contract. If you don’t have access to it you will be able to be identified by providing your full name or the licence plate number for the car covered by your All-in-one package.

Make an insurance claim

Period of validity and geographical scope

Cars with an All-in-one package are covered by the insurance policy for the entire duration of the All-in-one contract. The insurance cover starts the day the car is received and will end the day it is returned at the end of the lease.

If you want to extend your coverage because you’ll renew the lease or buy the car, please contact gowago.ch customer service.

The insurance covers loss or damage that was caused during the term of the policy. The insurance cover is valid in Europe and the Mediterranean littoral countries, excluding Kosovo, the Russian Federation, Georgia, Armenia, Azerbaijan and Kazakhstan. If the vehicle is transported by sea, then the insurance cover remains in effect provided the departure and destination points are both within this territory.

More about insurance

Full-casco insurance general terms and conditions - For contract signed before June 8th, 2021

Full-casco insurance general terms and conditions - For contract signed after June 9th, 2021