Higher excess = lower premium

Broker News

Discover the savings potential for your customers.

Many policyholders stick with standard excesses for years—often out of habit or because that’s what’s usually preselected on online comparison sites. Yet choosing a higher excess offers significant savings potential, especially for customers with a claims-free history.

💡 Save Money with a Higher Excess – Our Example

A real-world example clearly illustrates just how much you can save by choosing the right deductible level:

Insured person:
42 years old, residing in 8048 Zurich
Vehicle:
Skoda Kodiaq 2.0 TSI DSG, SUV, gasoline, CHF 41,
430 Product: simpego XL (customized)

Option excess* Repair model Annual Premium
Option A (Standard) All excesses CHF 0 /
Collision coverage CHF 200		 Free choice of repair shop CHF 2,095.00
Option B (Optimized) Liability: CHF 200 / Partial coverage: CHF 200 /
Collision coverage: CHF 1,000 / Parking damage: CHF 200		 Partner garage CHF 1,416.20

🔍 Savings: CHF 678.80 per year – by specifically choosing a higher excess and using the simpego garage model.

📉 Why Higher Excesses Are Worth It

  • For claim-free policyholders, the risk is predictable
  • The premium drops significantly without sacrificing important benefits
  • In the event of a claim, administrative burdens remain manageable thanks to digital processes
  • The partner garage model offers additional service benefits

🎯 Our recommendation for your consultation

For experienced drivers with a stable claims history in particular, it’s worth adjusting their deductible levels—for example, as part of an annual insurance review.

Actively advise clients on choosing higher excesses and explain how thoughtful personal responsibility can lead to lower premiums.

Lower Premiums Thanks to Higher Excesses

🛠️ Advantages of the Garage Model

Customers who choose the partner garage model enjoy additional benefits:

  • 🚘 Free loaner car—available immediately upon pickup or when repairs begin

  • 🔄 Pickup and drop-off service—upon request, e.g., even at your workplace

  • 🔧 Repairs using genuine parts – in accordance with manufacturer specifications

  • 🛡️ Lifetime warranty on all repairs performed

  • 🧾 Streamlined claims processing—no hassle for customers or brokers

Lower Premiums Thanks to Higher Excesses