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Am I covered when sharing a car?

Answer five questions about your situation. By the end, you will know what is covered after an accident, what stays at your expense, and what to check with your insurer. Based on the Road Traffic Act, the Insurance Contract Act and the terms published by Swiss insurers (August 2026).

To understand the details (disclosure duty, the "keeper" notion, cost sharing and rental), read the full article: Car sharing and insurance in Switzerland, with its table of day limits per insurer. You can also browse all our insurance resources, or see how a time-stamped trip logbook documents who was driving when a claim has to be reported.