Liability reductionPolicy deductible per month or per journey: Protect yourself
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Every Mobility vehicle is covered by third-party liability, comprehensive and passenger insurance in the event of a claim. Your policy deductible? With our liability reduction L, it is CHF 0 – without liability reduction it is up to CHF 5’000.
Choose your liability reduction cover in line with your willingness to take risks: All three products reduce the policy deductible to a fixed maximum amount. Good to know: The policy deductible surcharges for van reservations as well as for young and inexperienced drivers are not applicable for all three products.
Terms
Level | Policy deductible | Price/month |
|---|---|---|
L | CHF 0 | CHF 21 |
M | CHF 250 | CHF 17 |
S | CHF 1’000 | CHF 13 |
All prices including VAT.
Surcharges:
Young drivers: CHF 2.50 (under 28 years of age)
Inexperienced drivers: CHF 2.50 (driving licence for less than three years or learner driver)
Alternative: Liability reduction per journey
Liability reduction cover can also be purchased individually for each journey instead of a monthly subscription: CHF 15 (vehicle category Transport: CHF 30), plus CHF 5 for young drivers and CHF 5 for inexperienced drivers, including VAT. The policy deductible is CHF 1’000.
Important information
Benefits: The three liability reduction products reduce your policy deductible to a fixed maximum amount (see table above), plus processing fees of max. CHF 100 per claim.
Scope: The cover applies to the entire Mobility fleet of vehicles.
Validity: Immediately valid after signing. It only applies to the Mobility number concerned and is not transferable to other Mobility numbers.
Settlement: Immediately after signing with your next invoice.
Renewal: Automatically after one month.
Termination: At the end of each month.
Examples of claims
To give you an idea of the impact of liability reduction in a worst case scenario, here are two fictitious examples – one without, and the other with, damage to a third-party vehicle.
Claim involving a van without damage to another vehicle:
Repair costs: CHF 4’000
Policy deductible without liability reduction cover: CHF 3’000*
Surcharge for inexperienced drivers (driving licence held for less than 3 years): CHF 500
Young driver surcharge (if under 28 years of age): CHF 500
Policy deductible with liability reduction L: CHF 0* | M: CHF 250* | S: CHF 1’000*
Claim involving an Economy car, with damage to third-party vehicle:
Repair costs Mobility car: CHF 1’800
Repair costs other vehicle: CHF 2#000
Policy deductible without liability reduction cover: CHF 1’800 (Mobility car) + CHF 1’000 (third-party car) = total CHF 2’800*
Policy deductible (comprehensive and third-party cover) with liability reduction L: CHF 0* | M: CHF 250* | S: CHF 1’000*
*plus Processing fees CHF 100
Take out, change or cancel liability reduction at a later date
The easiest way is to obtain liability reduction directly during the registration process. If you already use Mobility and take out liability reduction subsequently or you want to change it, please inform our customer service team at business@mobility.ch of your requests for changes.
Frequently asked questions
- Is liability reduction mandatory?
- Does the liability reduction cover apply for all employees in the company?
- Does my private third-party driver insurance cover damage to Mobility?
- Do I also have to take out my own insurance for a Mobility vehicle?
- Which damages need to be reported?
- What happens if you cancel the business subscription?