Decide for yourself how much protection you need

You’re covered by third-party liability, comprehensive and passenger insurance in all Mobility vehicles in the event of damage or injury. Your deductible? With our Liability Reduction L CHF 0 - without up to CHF 5'000.

Our three Liability Reduction products reduce your deductible to a fixed maximum amount: CHF 0 for L, CHF 250 for M and CHF 1'000 for S.

Choose your Liability Reduction and thus your deductible to suit your risk appetite. To help you decide, our handy calculator will suggest which is best for you.

Good to know: The excess surcharges for reservations in the vehicle category Transport, as well as for young and new drivers are waived for all Liability Reduction products.

Calculate your Liability Reduction:

Personal details

Yes, I am under 28 years old

I have had a driver's license for less than 3 years or I am a learner driver.

For how long do you want to take out the liability reduction?

3 months

12 months

Selected Liability Reduction: *

L: deductible CHF 0

M: deductible CHF 250

S: deductible CHF 1'000

*plus handling fees up to a maximum of CHF 100 per claim

Costs Liability Reduction

CHF

Details

Validity: The Liability Reduction is valid immediately for the selected term.
Settlement: The Liability Reduction will be charged directly after the conclusion of your next invoice.
Transferability: The Liability Reduction is not transferable between private customers.
Renewal: The liability reduction for 3 months is automatically renewed for a further 3 months after the term. The liability reduction for 12 months is automatically renewed for one year after the term.
Termination: Any cancellation must be entered in the customer portal up to 7 days before renewal.

Annual partner subscriptions: Liability reduction only possible for 12 months.

The alternative to the annual Liability Reduction:

Liability Reduction per journey for CHF 15 (vehicle category Transport CHF 30) + CHF 5 for young drivers and + CHF 5 for inexperienced drivers, including VAT (with deductible CHF 1'000*)

*plus handling fees up to a maximum of CHF 100 per claim

Examples of claims/damage events

Claim with vehicle Transporter without damage to to another vehicle

Repair costs: CHF 4’000

Policy deductible without Liability Reduction:
CHF 3’000*

Surcharge for inexperienced drivers (driving licence held for less than 3 years):
CHF 500

Young driver surcharge (if under 28):
CHF 500

Policy deductible with Liability Reduction L:
CHF 0*

Policy deductible with liability reduction M:
CHF 250*

Policy deductible with liability reduction S:
CHF 1’000*

* plus processing fee of CHF 100

Claim involving an Economy car + damage to another vehicle

Repair costs (Mobility car):
CHF 1’800

Repair costs (other vehicle):
CHF 2’000

Policy deductible without Liability Reduction:
CHF 1’800

Policy deductible – third party cover (other car) without Liability Reduction:
CHF 1’000

Total costs: CHF 2’800*

Policy deductible (comprehensive and third-party cover) with Liability Reduction L:
CHF 0*

Policy deductible (comprehensive and third-party cover) with Liability Reduction M:
CHF 250*

Policy deductible (comprehensive and third-party cover) with Liability Reduction S:
CHF 1’000*

* plus processing fee of CHF 100

If you aren’t a Mobility customer yet, Liability Reduction can be obtained during the registration process. Existing customers can purchase Liability Reduction via the customer portal under “Additional offers” or when reserving a vehicle in the app.

Frequently asked questions

Yes, Liability Reduction cover is included in the price of mobilityLEARN. The deductible for learner drivers with mobilityLEARN is max. CHF 1'000.

No, each Mobility customer must obtain his or her own Liability Reduction cover. Such cover is issued on a per-Mobility-account-basis.

The summary of all the additional benefits and charges can be found here:

FAIR PLAY AND FEES

You can find all the information here: Damage report

Details

Registration