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Legal information & accessibility

Legal information

By accessing insurance.postfinance.ch, you agree that you have understood and accept the legal information below.

Please refer to the if you have any questions about data protection. The legal information and any information or opinions published on the insurance.postfinance.ch website can be changed at any time without prior notice.

This legal information also governs the access to and use of services associated with the insurance.postfinance.ch website, such as newsletters and online magazines..

Ownership and intellectual property rights

All the items on the insurance.postfinance.ch website are owned by PostFinance or third parties and the associated intellectual property rights are protected. “PostFinance” plus all corresponding logos are registered trademarks of PostFinance Ltd, and all material on the insurance.postfinance.ch website is copyrighted (all rights reserved). No part of the insurance.postfinance.ch website is designed to grant a licence or right to use an image, a registered trademark or a logo.

Downloading, copying or printing out individual pages or parts of the insurance.postfinance.ch website is permitted for private use only, provided that the copyright notice or other legally protected names or symbols are not removed. Complete or partial reproduction, communication (electronic or otherwise), modification, linking or use of the insurance.postfinance.ch website for public or commercial purposes is prohibited without prior written consent from PostFinance. PostFinance retains all rights if you download software or other items from the insurance.postfinance.ch website or duplicate material in any other way.

No offer

The information and statements published on the insurance.postfinance.ch website do not constitute an invitation to tender, a solicitation, an offer or a recommendation to buy or sell products or services, to carry out any other transaction, or to enter into any kind of legal transaction. You do not become a customer simply by accessing the insurance.postfinance.ch website.

No warranty, no guarantee and no advice

The information on the insurance.postfinance.ch website is provided on an “as is” and “as available” basis. Although PostFinance exercises the level of care and due diligence customary in the industry to ensure that the information on the insurance.postfinance.ch website is accurate, reliable and complete at the time of publication, neither we nor your contractual partner can guarantee or assume any liability (be it explicit or implicit) for its accuracy, reliability, topicality or completeness. PostFinance has no obligation to update information or opinions, to specify that information is no longer up to date, or to remove such information from the insurance.postfinance.ch website.

PPostFinance takes no responsibility and cannot guarantee that the insurance.postfinance.ch website will function without interruption or errors, or that errors will be rectified. The insurance.postfinance.ch website does not provide advice.

Links to other websites and to the insurance.postfinance.ch website

PostFinance has not tested the websites linked to the insurance.postfinance.ch website and accepts no responsibility for their content or for the products, services or other offers they include. Connect to other websites at your own risk.

Prior permission from PostFinance is required before setting up a link from a third-party website to the insurance.postfinance.ch website.

Exclusion of liability

PostFinance does not accept any liability to the extent that is permissible by law for direct, indirect or consequential damage incurred by the user or by third parties as a result of accessing or using the insurance.postfinance.ch websiteor as a result of the impossibility to access or use it, interruptions to service or other deficiencies.

Applicable law and place of jurisdiction

As far as admissible by law, access to and use of the insurance.postfinance.ch website and the legal information shall be subject to substantive Swiss law. Subject to conflicting and compulsory legal provisions, the sole place of jurisdiction is Berne.

Agreement

By accessing the insurance.postfinance.ch website you are agreeing to the terms below.

General data protection

All personal data you submit is processed in accordance with Swiss legislation on data protection, and appropriate technical and organisational measures are used to protect it from unauthorised access, loss and destruction.

Your personal data is used for the reasons specified during collection, in other words in order to conclude or execute contracts as far as this is required by the circumstances or law, and/or for marketing and analysis purposes.

The data you submit is gathered and processed by TONI Digital Insurance Solutions AG, the broker of the insurance contract (see broker information under Article 45 of the Insurance Supervisory Act (VAG)). Once the insurance contract has been concluded, TONI Digital Insurance Solutions AG will send your personal data to Great Lake Insurances SE and to PostFinance Ltd for product development purposes and marketing purposes (e.g. an analyses to improve products and services and to provide tailored insurance packages).

Access to public websites via insurance.postfinance.ch

Websites under insurance.postfinance.ch can in principle be accessed without identifying the visitor. The following information in particular may be gathered and processed for statistical purposes and to improve our service.

  • The date and time of accessing the website
  • Type, version and language settings of the display software (browser) and operating system used.
  • Display size of the display device used
  • IP address of the device or Internet access

When you access the insurance.postfinance.ch website, the service may also download cookies to your device. These cookies help to make your visits to our websites more convenient. For example, if you have selected a language setting, you will not have to repeat it. The cookies do not enable the website visitor to be linked to a specific individual.

When you access third-party websites via links on the insurance.postfinance.ch website, you leave the sphere of influence of insurance.postfinance.ch and this notice therefore no longer applies.

Disclosure of personal data in the public sphere

If you provide us with personal data, e.g. by entering information in a survey or contract form, you give your consent for your data to be collected, stored and processed. Your data is sent in encrypted form and stored at TONI Digital Insurance Solutions AG where it is inaccessible to third parties. The data collected is limited to essential information and is only used and stored in order to process the procedure requested. Your data is not disclosed to persons or organizations outside TONI Digital Insurance Solutions AG unless you give your express permission.

Use of websites in the non-public area

Customers are provided with an online service (a login area) that they can use to manage their policies themselves. For reasons of security and traceability, additional data is collected at the time of login and while in the secure area. This service is then used in accordance with a contractual agreement and the associated contractual conditions.

Communication by e-mail

We use the e-mail addresses to send customers encrypted messages that link them to the website (public and non-public area). The e-mail messages are not intended for direct communication. If, however, you use one of the e-mail addresses published by us to make contact, you expressly authorize us to respond to you by the same means either to the sender address or to an address you indicate. Your e-mails are sent over the Internet in unencrypted form and may be accessible, readable and open to manipulation by others. E-mail is therefore not a suitable means for sending confidential information. We do not accept customer orders via e-mail.

Conversion tracking of online advertising and analytical assessments of user behaviour on the website.

“Cookies” may be used to assess the suitability of online advertising. These can be saved on your computer for up to 30 days once you have clicked on an advertisement (such as Google AdWord). The information is limited to the total number of users who clicked on an advertisement before being forwarded to a site equipped with a conversion tracking tag. However, they will not obtain any information that personally identifies the user. If you want to deactivate the use of cookies, you can do so directly in your browser.

This website uses software and algorithms (such as Adobe Analytics and others) to help analyse the usage of this website. These may use cookies that are saved on your computer. No personal data is collected or saved which could enable the website visitor to be identified. You can deactivate the use of cookies in your Internet browser.

Accessible website

Since 2004, access for all has been required by the Swiss law covering equality for the disabled (Behindertengleichstellungsgesetz - BehiG), and PostFinance has therefore been consistently implementing this requirement.

This means that blind people are able to make good use of the website and can have content read aloud to them by audio output. Visually impaired people are able to display all text and images in any size. Furthermore, the contrast is optimized everywhere for good legibility. People with motor disabilities can navigate the website with alternative input methods or simply by using the keyboard. Those with hearing difficulties can easily follow videos on our website with the help of subtitles. More and more people with age-related conditions in particular can also benefit from all of these improvements.

Certified in accordance with the highest quality level (AA+)

PostFinance adopts a consistent approach to implementing the latest version of the Web Content Accessibility Guidelines (WCAG 2.0, AA), and in September 2016 it was once again awarded the highest possible quality level (AA+) by the “Access for all” certification body.

How to use the website

Access keys facilitate quick access to certain web pages and content via the keyboard. This is of great benefit to users who prefer using the computer keyboard instead of the mouse. PostFinance incorporates this quick access and has adopted the access key assignment recommended by the “Access for all” foundation.

Access keys

  • 0 = Direct to home page
  • 1 = Direct to navigation (within page)
  • 2 = Direct to content (within page)
  • 3 = Direct to e-finance login
  • 4 = Direct to site map
  • 9 = Logout

How the access keys work in various browsers

Windows:
Internet Explorer: Alt key + access key number, followed by Enter
Firefox: Alt key + shift + access key number
Chrome, Safari: Alt key + access key number

Mac OS X:
Safari, Firefox, Chrome: Ctrl key + Alt key + access key number

Continuous improvements

Certain content is not yet completely accessible. This applies especially to older applications or those with sophisticated programming. They will be made accessible as far as possible. These services are marked accordingly and are not a main part of certification granted by the “Access for all” foundation.

The insurance.postfinance.ch website is a PostFinance Ltd site. PostFinance Ltd is the owner of the website and has TONI Digital Insurance Solutions AG run it.

The product “PostFinance car insurance” is offered and sold through this website. Here you can view general information about the structure and purpose of the insurance, in addition to information about the products and services provided, especially by Great Lakes Insurance SEAssista Protection juridique SA and TCS Assurances SA

If you have any questions about the website and how to use it, please contact:

If you have any questions about the insurance, please contact:

PostFinance Insurances
Calls from Switzerland
0848 117 799

Calls from abroad
+41 58 667 14 00

E-Mail versicherungen@postfinance.ch

Product provider (contractual partner)

The “PostFinance car insurance” offered on this website may include product components provided by the following three insurance companies: Great Lakes Insurance SE, Munich, with its branch/office at Lindenstrasse 4, 6340 Baar (a Munich Re Group company). Product components: “Liability”, “Partial coverage” and “Full coverage”, as well as optional components “Parking damages”, “Personal belongings”, “Headlights”, “Value supplement”, “Passenger accident”, “Gross negligence”

TCS Assurances SA, based at Chemin de Blandonnet 4, 1214 Vernier.
Product components: "Breakdown service (assistance insurance)"

Assista Protection juridique SA, based at Chemin de Blandonnet 4, 1214 Vernier.
Product components: "Vehicle legal expenses insurance"

Service provider

To provide the services that “PostFinance car insurance” offers via this website, the following service providers, among others, are designated as partners:

Carglass Suisse SA, based at Rue des Fléchères, P.O. Box 254, 1274 Signy Centre.
Service: Repairs to car windows

AVUS Schweiz AG, based at Gewerbezentrum im Ried, 7302 Landquart.
Service: Handling claims

South Pole Carbon Asset Management AG, based at Technoparkstrasse 1, 8005 Zurich.
Service: CO2 option provider.

Certus Solutions GmbH, based at Zimmereiweg 6, 4665 Oftringen.
Service: Service Center

These product providers may also appoint their own service providers themselves.

Broker information (Article 45 of the Insurance Supervisory Act [VAG])

Broker information (Article 45 of the Insurance Supervisory Act [VAG])