Glass Damage - simpego

Glass Damage

simpego Assurances offers two different repair models for casco damage in car and van insurance.

“Glass Damage”

With the “Partner garage” repair model, you agree to have your vehicle repaired at a simpego partner garage in the event of comprehensive damage (damage to your car / van). In return, you benefit from various advantages.

If your car or van has suffered comprehensive damage, proceed as follows:

  • Report the damage to us on +41 58 521 11 11 (available 24/7).
  • Bring your car to the Partner garage agreed with us or have it conveniently collected from your home by the Partner garage and returned after successful repair.

If you do not have the opportunity to contact us or if you have already selected a Partner garage that suits you, you can also bring your vehicle directly to this partner garage. The advantage of contacting us first is that we can check which Partner garage has sufficient capacity to repair your vehicle as quickly as possible. There are some exceptions where you are not obliged to use our Partner garages, e.g. if the damage occurred abroad and the repair is carried out abroad or in the case of certain comprehensive damage (e.g. marten or glass damage) where our Partner garages cannot carry out the desired repair. Please note the exceptions.

Advantages

  • Free pick-up and delivery service for your vehicle
  • Free replacement vehicle for the duration of the repair
  • Guarantee on work carried out
  • Passenger car
  • Vans, whether registered as delivery vans or passenger cars

The “Partner garage” repair model is not possible for all other types of vehicles and passenger cars or vans that are insured as classic cars.

Situations or damages where your obligations do not apply, and you cannot benefit from the advantages:

  • Glass damage (breakage damage to vehicle parts made of glass);
  • Marten damage (damage and consequential damage caused by bites from martens and rodents);
  • You have a full-service leasing contract that obliges you to have the vehicle repaired at certain repair workshops;
  • the repair is carried out abroad;
  • the police have your vehicle towed away after an accident and you are unable to notify us of the damage in advance for medical reasons;
  • the repair does not concern an insured comprehensive event.

If you do not comply with the obligation to choose a Partner garage for the repair in the event of a claim, your contract will be changed to the “free choice of garage” repair model at the beginning of the current insurance year and the discount for Partner garage included in the hull premium will no longer apply and you will have to pay the additional premium. You are then no longer obliged to choose partner garages from simpego in the event of a claim. Apart from the conversion of your contract to free choice of garage, however, nothing will happen, and you will not have to pay a penalty excess or anything similar.

Repair model “free choice of garage”

With the “Free choice of garage” repair model, you are free to choose the repair garage in the event of comprehensive damage (damage to your car / van). In return, you pay a small surcharge in the hull premium compared to the “Partner garage” repair model. If you still decide to use a simpego Partner garage in the event of a claim, you will of course benefit from advantages.

If your car or van has suffered comprehensive damage, proceed as follows:

Take your vehicle to the garage of your choice and report the damage to us at
+41 58 521 11 11 or claims@simpego.ch

If you want to benefit from advantages in the event of a claim, report the damage to us on +41 58 521 11 11 and use the Partner garage suggested by simpego for the repair.

If you report your claim to us before the repair, even though you have “free choice of garage” insurance, and have the repair carried out at a simpego Partner garage, you will enjoy the following benefits:

  • Free pick-up and drop-off service for your vehicle
  • Free replacement vehicle for the duration of the repair
  • Guarantee on work carried out
  • Reduction of your deductible by CHF 100
  • All vehicles

* Which model is applied in the event of a claim is defined when the contract is concluded.