General terms and conditions and documents for All-in-one by

These terms and conditions are applicable for contract signed before June 8th, 2021

All-in-one is the easiest way to lease a car in Switzerland. Combining your insurance, taxes, servicing, tyres, and an extended guarantee into one monthly payment saves you time and money.

General terms and conditions

In the general terms and conditions (GTC) you will find information about the following contents of All-in-one:

Vehicle tax

The vehicle tax is included in the product for the duration of your lease.


Switzerland requires a yearly highway road tax fee, with All-in-one the vignette is included.

→ Download General terms and conditions (GTC) All-in-one

Maintenance and Tyres

In the general terms and conditions (GTC) maintenance and tyres you will find information on the following contents of All-in-one:

Service and Maintenance

Service and maintenance is included in the price. Once a service is due we direct you to one of our partner garages who will take care of the car. They payment works as easy as it can be: just show the gowago All-in-one service card to the dealer and the payment will be processed through us


Tyres, tyre change and tyre storage are included in the product for the duration of the leasing contract. Once the tyre change is due, visit one of our partner garages and they will take care of changing the tyres and are going to store the dismounted tyres for next season. Please note, rims are not included in this product. New tyres will only be covered if the individual type of tyre (sommer or winter tyre) has reached a mileage of 30’000 km.

→ Download General terms and conditions (GTC) Maintenance and Tyres All-in-one


All-in-one includes an extended guarantee if your vehicle does not have a sufficient manufacturer's guarantee for your chosen duration and total mileage.

Mechanical guarantee

If anything breaks in the car, don’t worry, the product includes a mechanical warranty for the duration of the lease. Warranty breakdown includes:

  • Engine
  • Gearbox
  • Supercharging
  • Differentials
  • Transmission
  • Steering
  • Brakes
  • Fuel system
  • Electrical system
  • Cooling system
  • Comfort electronics
  • Exhaust system
  • Security systems

→ Download Contractual general conditions (CGC) Mobile Guarantee Platin download Full-casco insurance

Our insurance partner Baloise has created a dedicated product for All-in-one. Our fully comprehensive motor vehicle insurance includes:

Insurance cover

  • Liability (H1 - H9.2) with CHF 0 self coverage. Legal liability for personal injury and property damage caused by the insured vehicle.

  • Partial cover (TK1 - TK1.9) with self coverage of CHF 300 (CHF 0 for repairs in a partner workshop). Damage to the insured vehicle resulting from fire, natural hazards, malicious damage, painting and spraying, glass breakage, marten bites, collisions with animals, theft, earthquakes or volcanic eruptions.

  • Time value supplement compensation (K3.5). If the fair value supplement is insured, the purchase price paid is indemnified during the first 2 years of operation, after which an additional indemnity is paid over and above the current value (years 1+2 100%, years 3-7 current value + 20%, years 8-14 current value + 10%, from year 15 current value +5%).

  • Collision insurance (KK1 - KK1.2) with self coverage of CHF 500 (CHF 200 for repairs in a partner workshop). Damage caused by collision and scratching of the vehicle.

Additional cover

  • Assistance (AS1 - AS5.2) with assumption of the costs for breakdown assistance on site, towing of the vehicle, home or onward journey, overnight accommodation of all occupants as well as return transport of the vehicle after theft, breakdown or accident.

  • Gross negligence (Z1) In liability and comprehensive insurance, Baloise waives its statutory right of recourse or reduction and the exclusion pursuant to TK1.1 and IR6 for the grossly negligent act or omission in the event of grossly negligent causation of the insured event.

  • Key replacement and lock change costs (Z4) Costs in the event of loss, theft or damage to the vehicle keys, incl. reprogramming of the immobilizer. The benefits are limited per event to the amount specified in the insurance contract.

  • Replacement vehicle (Z7) Costs for a replacement vehicle of the same category for the duration of the repair if an insured vehicle fails due to an insured partial or collision damage. If no replacement vehicle can be found within 48 hours, the policyholder will be compensated 80% of the agreed amount per case. Replacement vehicle basis: The maximum benefits per day are limited to CHF 120 and per insured event to CHF 600.

→ Download BaloiseFleet Motor vehicle insurance - product information and terms of contract

Get in touch with us if you have any questions about All-in-one or your car. We are available 9:00 – 18:00 from Monday to Friday at or by phone at +41 44 461 13 44.

Partnered with
Migros Bank
Touring Club Schweiz
Fleet Service
The granting of credit is not allowed if it results in over-indebtedness of the consumer.