As GoMore is not allowed to provide insurance advice, we have collected common questions and answers regarding our rental insurance below.

The full insurance terms can be found here

Why do I have to be a resident of Switzerland to rent a car on GoMore?

The insurer behind the GoMore insurance is only authorized to insure individuals who reside in Switzerland or the Principality of Liechtenstein.

Am I fully insured during the rental period?

The GoMore insurance includes the following coverages during the rental period: Liability (subsidiary), comprehensive, roadside assistance, waiver deductible/bonus loss.

• Liability (subsidiary): Covers damage caused by the renter to a third-party vehicle or property. This insurance supplements the existing mandatory motor vehicle liability insurance.
• Comprehensive: Covers collision, fire, natural disasters, snow slide, theft, animal damage, glass damage, vandalism, and assistance damage (e.g., hail, falling snow, theft, collision with animals, glass breakage) excluding interior damage and damage caused by use error or operational defects.
• Roadside assistance: Roadside assistance covers costs in the event of an accident, breakdown, vandalism, or theft in Switzerland and Europe.
• Waiver of deductible / bonus loss: The insurance covers the deductible and bonus loss from the vehicle owner’s motor vehicle liability and comprehensive insurance.

The contract terms with detailed coverage and exclusions (e.g., user errors, operational damage, tire damage) can be found here:

What damages are covered by the insurance?

• Liability (subsidiary): Covers damage caused by the renter to a third-party vehicle or property. The insurance is supplementary to the existing mandatory motor vehicle liability insurance.
• Comprehensive: Covers collision, fire, natural disasters, snow slide, theft, animal, glass damage, vandalism, and assistance damage (e.g., hail, falling snow, theft, collision with animals, glass breakage) excluding interior damage and damage caused by user error or operational defects.
• Roadside assistance: Roadside assistance covers costs in the event of an accident, breakdown, vandalism, or theft in Switzerland and Europe.
• Waiver of deductible / bonus loss: The insurance covers the deductible and bonus loss from the vehicle owner’s motor vehicle liability and comprehensive insurance.

The contract terms with detailed coverage and exclusions (e.g., user errors, operational damage, tire damage) can be found here.

Does the insurance also cover roadside assistance?

Yes, the GoMore insurance includes roadside assistance for Switzerland and Europe. The details can be found in the contract terms.

Does the insurance cover interior damage to the car?

No, interior insurance is not part of the GoMore insurance, and interior damage is not covered.

How is the amount I paid for insurance calculated?

The price of the GoMore insurance depends on the rental duration and the level of the chosen deductible.

I already have liability insurance. Can I opt out of GoMore’s insurance?

The GoMore insurance is a fixed and integrated package that cannot be opted out of.

Is there a deductible, and how much is it?

Yes, in the event of a claim, the renter bears a part of the damage (deductible). The deductible applies per damage event. The amount of the deductible can be chosen during the booking process (CHF 200 or 1,500).

Can I reduce the deductible?

Yes, the amount of the deductible can be chosen during the booking process (CHF 200 or 1,500).

How much is the deductible in case of an accident?

The amount of the deductible depends on the chosen amount during the booking process. The deductible is specified in the insurance contract and applies per damage event.

What happens if I cause an accident or damage?

Liability / Comprehensive:

The damage must be reported immediately via the online damage reporting link. The following documents are required by Baloise in the event of a claim:

• Rental documents (including handover protocol and photos)
• Copy of the vehicle registration
• Driver’s license of the driver
• European accident report (mandatory for liability claims)

Once the damage is reported, Baloise will handle the claims process and contact the renter to discuss further steps. Notify the renter of the Baloise claim number.

Roadside Assistance:

The roadside assistance case must be reported immediately via the hotline at 0800 24 80 11 (24-hour service). Have the following information/documents ready:

• Confirmation it is a GoMore rental (required when reporting the case)
• Insurance contract number
• Original accident report (police report, accident protocol if applicable)

Do I have to report a damage myself, or does GoMore handle it?

The damage must be reported by the renter.

Liability / Comprehensive:

The damage must be reported immediately via the online damage reporting link. The following documents are required by Baloise in the event of a claim:

• Rental documents (including handover protocol and photos)
• Copy of the vehicle registration
• Driver’s license of the driver
• European accident report (mandatory for liability claims)

Once the damage is reported, Baloise will handle the claims process and contact the renter to discuss further steps. Notify the renter of the Baloise claim number.

Roadside Assistance:

The roadside assistance case must be reported immediately via the hotline at 0800 24 80 11 (24-hour service). Have the following information/documents ready:

• Confirmation it is a GoMore rental (required when reporting the case)
• Insurance contract number
• Original accident report (police report, accident protocol if applicable)

How and where can I file a damage report?

Liability / Comprehensive:

The damage must be reported immediately via the online damage reporting link. The following documents are required by Baloise in the event of a claim:

• Rental documents (including handover protocol and photos)
• Copy of the vehicle registration
• Driver’s license of the driver
• European accident report (mandatory for liability claims)

Once the damage is reported, Baloise will handle the claims process and contact the renter to discuss further steps. Notify the renter of the Baloise claim number.

Roadside Assistance:

The roadside assistance case must be reported immediately via the hotline at 0800 24 80 11 (24-hour service). Have the following information/documents ready:

• Confirmation it is a GoMore rental (required when reporting the case)
• Insurance contract number
• Original accident report (police report, accident protocol if applicable)

What happens if the car is stolen during the rental?

The vehicle is insured against loss, destruction, or damage due to theft, unauthorized use, or robbery during the rental period, but not due to gross negligence (such as leaving the vehicle unlocked, leaving the ignition key in the car, not activating an existing theft alarm or immobilizer, etc.). The loss, destruction, or damage due to embezzlement is not insured. In case of theft, the police, the renter, and Baloise must be notified immediately.

What does "negligence" mean?

In insurance law, negligence refers to damage that someone did not intend but caused through their behavior. In other words, negligence occurs when the person could have prevented the damage with different behavior.

Am I also covered if I use the car abroad?

The insurance is valid in Europe, as well as Morocco, Tunisia, and Turkey. There is no coverage for Kosovo, the Russian Federation, Georgia, Armenia, Azerbaijan, and Kazakhstan. If the vehicle is transported by sea, the insurance coverage is not interrupted as long as the departure and destination locations are within the local coverage area.

Is the insurance valid if someone else drives the car?

The GoMore insurance covers the renter, as the policyholder and primary driver, as well as all listed additional drivers (which is mandatory). Unregistered individuals are not covered by the insurance, and any potential damage will not be covered.

What should I do if I notice damage to the car that I didn’t cause?

During the rental period, so-called "parking damages" (caused by unknown vehicles or third parties) are also covered by the GoMore insurance under the comprehensive coverage. In such cases, the agreed deductible still applies. The deductible applies per damage event.

The damage must be reported immediately via the online damage reporting link

The following documents are required by Baloise in the event of a claim:

• Rental documents (including handover protocol and photos)
• Copy of the vehicle registration
• Driver’s license of the driver
• European accident report (mandatory for liability claims)

Once the damage is reported, Baloise will handle the claims process and contact the renter to discuss further steps. Notify the renter of the Baloise claim number.

Are there any exceptions where the insurance does not apply?

The contract terms with detailed coverage and exclusions (e.g., user errors, operational damage, tire damage) can be found here.

Do I have to pay the deductible for parking damage or vandalism?

Yes, parking damage and vandalism are covered by the comprehensive coverage. In such cases, the agreed deductible still applies. The deductible applies per damage event.

The damage must be reported immediately via the online damage reporting link

The following documents are required by Baloise in the event of a claim:

• Rental documents (including handover protocol and photos)
• Copy of the vehicle registration
• Driver’s license of the driver
• European accident report (mandatory for liability claims)

Once the damage is reported, Baloise will handle the claims process and contact the renter to discuss further steps. Notify the renter of the Baloise claim number.