Liability reduction RHN

Thank you for your interest in our new options. Our new liability reduction products offer even greater flexibility by allowing you to tailor the policy deductible to your needs. Choose from our three different options and get the cover that’s right for you.

What’s different about our new liability reduction products?

From now on, you can choose between three different forms of liability reduction cover, thus allowing you to select the deductible that suits you best. It means you can adjust your cover and save even more. The existing liability reduction product with its deductible of CHF 800 is now called liability reduction M and has a deductible reduced to CHF 250. With this option, you can save even more yet still be optimally covered - now even without a young drivers' surcharge.

What stays the same? The term of your current liability reduction cover and your notice of termination. However, if you change your mind, you can alter this at any time in the customer portal. If you reactivate your liability reduction cover, you’ll benefit from a lower deductible of CHF 250 costing CHF 194 per year. For peace of mind behind the wheel.

What are you waiting for? Discover our new liability reduction products now and find the one that’s right for you. Please contact us if you have any questions.

The new liability reduction products

Liability reduction L:
Deductible CHF 0, annually CHF 234
Liability reduction M:
Deductible CHF 250, annually CHF 194
Liability reduction S:
Deductible CHF 1'000, annually CHF 154

*plus a processing fee of up to 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 cover:
CHF 3’500*

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 cover:
CHF 1’800

Policy deductible – third party cover (other car) without liability reduction cover:
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

General questions

The new conditions apply with immediate effect.

Liability reduction cover is personal and non-transferable. If someone from a rental access group drives without having liability reduction cover, then the policy deductible applies in full in the event of a claim.

If you have liability reduction cover, the deductible for all categories drops to the same amount.

We’re introducing a free upgrade to the Liability Reduction M product with a deductible of CHF 250 (instead of CHF 300).

No. The term of any existing liability reduction cover remains the same: on expiry, it automatically switches to the liability reduction M product for a further year at the new price.

You can do so in the customer portal when your existing cover expires. You can find the switching options in your e-mail. If you don’t currently have liability reduction, this can be resolved during the vehicle reservation process via the app or customer portal.

Various insurers have now brought products onto the market which cover you when driving other people’s vehicles. Many of them exclude rental cars or commercial car sharing vehicles from the cover. We advise you to check with your insurance company to find out if they cover damage to a Mobility vehicle.

Each claim processed incurs a processing fee of CHF 100.