Incredible insurance with every All-in-one lease

Included insurances

We’ve worked with our insurance partner Baloise Insurances to create a unique insurance package available only with All-in-one. Our fully comprehensive motor vehicle insurance includes:

Full casco insurance
A combination of ‘partial cover’ and ‘collision’ insurances that protects against any damage to your car

• Partial cover
  Protection against damage to your car that was not caused by yourself – such as fire, theft, natural hazards
  0 CHF deductible for repairs at a partner garage (CHF 300 deductible at non-partner garages)

• Collision insurance
  Covers damage to your car that have been caused by yourself or an unknown third party, such as accidental scratches or impact damage
  CHF 700 deductible for repairs at a partner garage (CHF 1,000 at non-partner garages)

Liability insurance
Covers any damage or injury caused with your car by you or a person you’re responsible for, up to the value of CHF 100 million

0 CHF deductible

Total loss cover (Compensation for new value)
If the car cannot be repaired the leasing provider is compensated so you’re not left with the bill

Breakdown assistance
If your car breaks down, you’re covered by on-site breakdown assistance, towing, overnight accommodation, and more

Gross negligence waiver
Baloise waives their right to reclaim costs from you when gross negligence caused the insured event.

Replacement vehicle
You’ll receive a temporary like-for-like replacement vehicle whilst yours is being repaired

Assistance

In the unfortunate event of a breakdown, you’re covered by more than just roadside assistance.

In the event of a breakdown, please call Baloise Customer Services on
00800 24 800 800 (if you call from abroad use: +41 58 285 28 28)

Customer care
Arranging assistance, organising a hire car, booking return flights, and more are handled by customer services.

Baloise breakdown assistance
Roadside repairs, or towing to a suitable nearby garage or authorised workshop.

Continue your journey
All occupants can return to their places of residence in Switzerland, or onward travel to your destination destination if the vehicle cannot be repaired the same day.

Overnight accommodation
If return or onward travel is no longer possible on the same day, or if it is not possible for the repairs to be completed within five days.

Immediate delivery of spare parts
The additional costs of ordering the immediate delivery or necessary space parts when they’re unavailable in the repair garage within three working days.

Returning the car
A chauffeur or transporter will return the car in the event of illness, accident, or death of the driver, when no member of the travel party is able to return the car.

Returning an unroadworthy or stolen vehicle
Have the car transported to your usual garage if it cannot be repaired within 24 hours whilst in Switzerland, or five days whilst abroad, including the trailer or caravan your car was towing – This also covers returning your car after being recovered from a theft, customs and disposal fees, and incurred taxes.

More about the insurances

A full casco insurance policy – which includes partial casco and collision insurance – must be taken out when leasing a car in Switzerland.
Exclusive benefits available to gowago.ch customers:

• Discounted deductibles when a repair is needed
• Free repairs at partner garages to damage not caused by you, in most cases
• No additional deductible for new drivers
• No bonus/malus system – benefit from the discounted price on day 1
• Collection and delivery service when your car is repaired by a partner garage
• Free EV charging station insurance
• Drive a like-for-like courtesy vehicle during repairs – Borrow an SUV whilst your SUV is being repaired
• Have your car returned to you cleaned

Partial cover

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

This includes damage caused by fire, natural hazards, malicious damage, painting and spraying, glass breakage, marten bites, collisions with animals, theft, earthquakes or volcanic eruptions.

The charging station for your EV or plug-in hybrid is insured for free.

• CHF 0 deductible for repairs at any garage recommended by Baloise.
• CHF 300 deductible for repairs at non-partner garages.

Find partner garages

Collision insurance

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

Collision insurance pays for damage to your car that you have caused yourself 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.
• CHF 1000 deductible for repairs at non-partner garages.

Find partner garages

Liability insurance

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

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

Total loss cover (Compensation for new value)

In the event that a car is totally damaged and cannot be repaired, this insurance covers the cost of the car so that the leasing provider is compensated for the totaled vehicle.

Additional cover

Breakdown assistance

You’re covered in the event that your car breaks down.
This includes the cost of on-site breakdown assistance, the towing of the car to your home or onward journey, and overnight accommodation for all occupants.

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

In the event of a breakdown, please call Baloise Customer Services on
00800 24 800 800 (if you call from abroad use: +41 58 285 28 28)

Gross negligence waiver

Baloise waives its right to reclaim costs from the liability and full-casco insurance holder when the insured person is responsible for the damage and related costs due to gross negligence.

Replacement vehicle

You will be given a temporary replacement car, when the damaged car is being repaired for an issue covered by the partial cover or collision insurance.

The replacement car will be the same category as the one being repaired. If your SUV is being repaired, you will have a temporary SUV to drive.

If no replacement vehicle can be found within 48 hours, you will be compensated 80% of the agreed amount per case, up to CHF 120 a day or CHF 600 per insured event.