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Commercial vehicle insurance

Optimum security for you and your commercial vehicle

For tradespeople it's the van, for farmers it's the tractor, for tour operators it's the bus - commercial vehicles are «workhorses» and hence the most valuable assets of many businesses. Consequently, comprehensive insurance cover is essential. Whether for glass breakage, collision or theft, commercial vehicle insurance provides you with secure protection so that your business can operate without interruptions.

Your benefits

  • Improved services thanks to our partnership with a glass breakage specialist, breakdown cover and Assistance
  • We guarantee to settle your claim within seven days
  • Accident insurance
  • Gross negligence cover

The simple solution for you and your commercial vehicle

Our commercial vehicle insurance offers a complete package at an attractive price: Alongside the mandatory third-party liability insurance and the automatically integrated Assistance service (only if you have an accidental damage insurance), it includes a free choice of either comprehensive or partial accidental damage insurance as well as accident cover.


In addition to mandatory third-party liability insurance, commercial vehicle insurance offers:

  • comprehensive accidental damage insurance for new or relatively new vehicles including cover for collision damage to your own vehicle.
  • partial accidental damage cover for damage resulting from theft, fire, natural events, snowslides, glass breakages, collisions with animals, damage caused by martens and vandalism


There are many good reasons to take out the Generali commercial vehicle insurance:


Commercial vehicle insurance offers comprehensive cover for commercial vehicles such as

  • Delivery vans and trucks
  • Minibuses and coaches
  • Agricultural vehicles (e.g. tractors) and industrial tractors
  • Trailers
  • Mobile homes


For the ecologically-minded, we offer a premium reduction of 25% for vehicles which run on alternative energy sources.


Everyone can benefit from our no claims bonus protection, waiver of right of recourse in the event of gross negligence, an advantageous newcomers bonus when a range of drivers are added to the policy and the option of insuring items transported in the vehicle.


How our commercial vehicle insurance works – an example

Daniel Byrne is a self-employed tradesman. One day, his drill and a number of other tools are stolen out of his locked delivery vehicle, which is parked right outside his store.

Luckily, Mr Byrne has concluded supplementary insurance for items transported in the vehicle. That means he can claim reimbursement for the stolen items within the guaranteed insured amount.


Summary of the details

What benefits does the commercial vehicle insurance offer?


The policy includes assistance for delivery vehiclesand mobile homes up to 7,500 kg, if mandatory third-party liability insurance is in place. It is unlimited within Switzerland and valid for a maximum of 90 days abroad.


If you have full or partial accidental damage cover, we work together with a glass breakage specialist when your vehicle requires windscreen repairs or replacement.


You also have the option of supplementing your policy with:

  • Accident insurance for drivers and passengers, irrespective of liability
  • Transport module to insure transported goods
  • Items transported in the vehicle

Important questions

The insurance covers drivers, vehicle holders and passengers.

The insurance contract takes effect on the date stated in the policy and is renewed each year automatically for the period of one year unless terminated by one of the parties at least three months prior to the expiry date.

Your insurance is valid in Switzerland, in all EU and EEA member states and in Andorra. Accidental damage insurance is also valid in Kosovo. However, if you wish to visit European countries which are not EU or EEA member states, you must order a valid Green Card from Generali beforehand. Your insurance will not be valid in any countries or areas that are crossed out or excluded on the Green Card.

The premium is calculated based on the scope of cover selected and depends on multiple criteria, such as:

  • Age
  • Driving licence date
  • Bonus/penalty
  • Vehicle (type, performance, value)

Additional options