Sample premium for a trip costing up to CHF 500.
Travel Europe – Insurance for travellers using their own car
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The advantages for you
Holidays in Switzerland and other European countries are proving very popular with travellers. Many of them opt to use their own car or take the train. Rely on HanseMerkur’s comprehensive travel cover for sudden events such as illness, accidents or a breakdown. Our Travel Europe travel insurance gives you comprehensive cover for travel by car, rail and ship in one attractively priced package. Our self-drive insurance not only covers the cancellation costs for holiday homes, hotels and camping sites – if you run into difficulties, our personal assistance is available round the clock.
Top benefits for travel by car, rail and ship
Comprehensive cover for camping trips lasting up to 31 days
Attractively priced premiums for families and individual travellers
24-hour travel emergency call
Tariff overview
| Travel Europe | |
|---|---|
| Cancellation insurance
Cancellation insurance:
Reimbursement in the event of travel cancellation, rebooking, no or delayed travel. | |
| Trip interruption insurance
Trip interruption insurance:
Reimbursement of costs if you need to cancel, interrupt or extend the trip. | |
| Personal assistance
Personal assistance:
Worldwide accessible 24-hour travel emergency call provides support in urgent cases during the trip, for example if you lose your means of payment. | |
| Luggage insurance
Luggage insurance:
Replacement for damaged, lost or late baggage. | |
| Breakdown assistance
Breakdown assistance:
Organization and assumption of costs for breakdown assistance/towing/recovery in the event of a car breakdown or an accident | |
| Types of travel | Independent travel by car, rail & ship |
| Scope of cover | Europe |
| Maximum trip duration | 31 days |
| Policy to be taken out | When or after you book the trip |
| Refund (Cancellation and trip interruption insurance) | Depending on the travel price |
| Excess | |
| Number of trips | Single trip |
| Price overview | Download PDF |
| Sample price for travel insurance | from CHF 24 (premium for a trip price of up to CHF 500) Calculate premium |
The most important benefits – at a glance
Cancellation insurance
| What's covered | |
|---|---|
| For non-commencement of the trip | |
| For non-commencement of the trip | |
| Reimbursement for the contractually required cancellation costs | |
| Reimbursement for the contractually required cancellation costs | |
| Reimbursement of additional costs in the event of partial cancellation of a co-insured | |
| Reimbursement of additional costs in the event of partial cancellation of a co-insured | |
| If the trip booking is changed | |
| If the trip booking is changed | |
| Reimbursement of the cost of changing bookings due to an insured reason | |
| Reimbursement of the cost of changing bookings due to an insured reason | |
| When changing the booking up to 42 days prior to departure, reimbursement of the cost if no insured reason is specified | |
| When changing the booking up to 42 days prior to departure, reimbursement of the cost if no insured reason is specified | up to CHF 30 per person |
| In the event of a delayed start to the journey | |
| In the event of a delayed start to the journey | |
| Reimbursement of additional travel expenses and costs for unused travel services | |
| Reimbursement of additional travel expenses and costs for unused travel services | |
| Insured reasons | |
| Insured reasons | |
| Unexpected serious illness, serious accident, pregnancy complications or death (including people close to you) | |
| Unexpected serious illness, serious accident, pregnancy complications or death (including people close to you) | |
| Immunisation intolerance | |
| Immunisation intolerance | |
| Breakage of prostheses | |
| Breakage of prostheses | |
| Loosening of implanted joints | |
| Loosening of implanted joints | |
| Pregnancy if this occurred after the insurance was taken out | |
| Pregnancy if this occurred after the insurance was taken out | |
| Chronic illness, in the event of an unexpected acute exacerbation | |
| Chronic illness, in the event of an unexpected acute exacerbation | |
| Substantial damage (from CHF 2'500) to the insured person's property | |
| Substantial damage (from CHF 2'500) to the insured person's property | |
| Re-employment after period of unemployment | |
| Re-employment after period of unemployment | |
| Change of workplace | |
| Change of workplace | |
| Cyclical short-time work | |
| Cyclical short-time work | |
| Notice of termination for operational reasons | |
| Notice of termination for operational reasons | |
| Delay of public transport of at least two hours | |
| Delay of public transport of at least two hours | |
| Inability to drive the private vehicle intended for the trip due to an accident or breakdown | |
| Inability to drive the private vehicle intended for the trip due to an accident or breakdown | |
| Non-commencement of the trip due to an official travel warning (e.g. from the Federal Department of Foreign Affairs FDFA) | |
| Non-commencement of the trip due to an official travel warning (e.g. from the Federal Department of Foreign Affairs FDFA) | |
| Unexpected summons as a witness in court | |
| Unexpected summons as a witness in court | |
| Theft of passport or identity card immediately before departure | |
| Theft of passport or identity card immediately before departure | |
| Unexpected appointment for organ or tissue donation | |
| Unexpected appointment for organ or tissue donation | |
| Adoption of a minor child | |
| Adoption of a minor child | |
| Unexpected draft for military or community service | |
| Unexpected draft for military or community service | |
| Divorce suit or dissolution of the cohabitation | |
| Divorce suit or dissolution of the cohabitation | |
| Disaster relief provided if the insured person is a member of the fire brigade or rescue service | |
| Disaster relief provided if the insured person is a member of the fire brigade or rescue service | |
| Pupil/student protection: - date of a repeat examination falls within the insured travel period - non-promotion of a pupil | |
| Pupil/student protection: - date of a repeat examination falls within the insured travel period - non-promotion of a pupil | |
Trip interruption insurance
| What's covered | |
|---|---|
| If you have to curtail the trip: assumption of additional return travel costs and partial reimbursement of unused travel services | |
| If you have to curtail the trip: assumption of additional return travel costs and partial reimbursement of unused travel services | |
| If you have to interrupt the trip: Additional travel costs, additional costs for the continuation of the journey and proportional costs for services not used | |
| If you have to interrupt the trip: Additional travel costs, additional costs for the continuation of the journey and proportional costs for services not used | |
| If your return trip is delayed: Reimbursement of additional travel costs | |
| If your return trip is delayed: Reimbursement of additional travel costs | |
| Insured reasons | |
| Insured reasons | |
| Unexpected serious illness, serious accident, pregnancy complications or death (including people close to you) | |
| Unexpected serious illness, serious accident, pregnancy complications or death (including people close to you) | |
| Immunisation intolerance | |
| Immunisation intolerance | |
| Breakage of prostheses | |
| Breakage of prostheses | |
| Loosening of implanted joints | |
| Loosening of implanted joints | |
| Pregnancy if this occurred after the insurance was taken out | |
| Pregnancy if this occurred after the insurance was taken out | |
| Chronic illness, in the event of an unexpected acute exacerbation | |
| Chronic illness, in the event of an unexpected acute exacerbation | |
| Substantial damage (from CHF 2'500) to the insured person's property | |
| Substantial damage (from CHF 2'500) to the insured person's property | |
| Re-employment after period of unemployment | |
| Re-employment after period of unemployment | |
| Change of workplace | |
| Change of workplace | |
| Cyclical short-time work | |
| Cyclical short-time work | |
| Notice of termination for operational reasons | |
| Notice of termination for operational reasons | |
| Delay of public transport of at least two hours | |
| Delay of public transport of at least two hours | |
| Inability to drive the private vehicle intended for the trip due to an accident or breakdown | |
| Inability to drive the private vehicle intended for the trip due to an accident or breakdown | |
| Non-commencement of the trip due to an official travel warning (e.g. from the Federal Department of Foreign Affairs FDFA) | |
| Non-commencement of the trip due to an official travel warning (e.g. from the Federal Department of Foreign Affairs FDFA) | |
| Unexpected summons as a witness in court | |
| Unexpected summons as a witness in court | |
| Theft of passport or identity card immediately before departure | |
| Theft of passport or identity card immediately before departure | |
| Unexpected appointment for organ or tissue donation | |
| Unexpected appointment for organ or tissue donation | |
| Adoption of a minor child | |
| Adoption of a minor child | |
| Unexpected draft for military or community service | |
| Unexpected draft for military or community service | |
| Divorce suit or dissolution of the cohabitation | |
| Divorce suit or dissolution of the cohabitation | |
| Disaster relief provided if the insured person is a member of the fire brigade or rescue service | |
| Disaster relief provided if the insured person is a member of the fire brigade or rescue service | |
Personal assistance
| What's covered | |
|---|---|
| Medically indicated repatriation | |
| Medically indicated repatriation | |
| Organization of the repatriation of a deceased and assumption of the repatriation costs or funeral | |
| Organization of the repatriation of a deceased and assumption of the repatriation costs or funeral | |
| Procurement and dispatch of lost medically prescribed medication | |
| Procurement and dispatch of lost medically prescribed medication | |
| Care for minor children if they have to continue the trip on their own | |
| Care for minor children if they have to continue the trip on their own | |
| Hotel costs for other insured persons if an insured person travels home delayed due to inpatient treatment | |
| Hotel costs for other insured persons if an insured person travels home delayed due to inpatient treatment | |
| Baggage collection | |
| Baggage collection | up to CHF 2'500 |
| Search, rescue and recovery costs | |
| Search, rescue and recovery costs | up to CHF 10'000 |
| Help with loss of credit and loyalty cards, travel documents and mobile phones | |
| Help with loss of credit and loyalty cards, travel documents and mobile phones | |
| Repair costs and assistance in the event of a bicycle breakdown or accident | |
| Repair costs and assistance in the event of a bicycle breakdown or accident | up to CHF 75 |
| SOS message for travellers (if the insured cannot be reached) | |
| SOS message for travellers (if the insured cannot be reached) | |
| Provision of craftsmen in the event of damage at home | |
| Provision of craftsmen in the event of damage at home | |
Luggage insurance
| What's covered | Travel | Travel Premium |
|---|---|---|
| Maximum sum insured | ||
| Maximum sum insured | CHF 1'000 for individuals / CHF 2‘000 for families | CHF 2‘000 for individuals / CHF 4‘000 for families |
| Current value of objects carried if they are lost, damaged or destroyed, e.g. by robbery, traffic accidents or fires | ||
| Current value of objects carried if they are lost, damaged or destroyed, e.g. by robbery, traffic accidents or fires | ||
| Loss, damage or late delivery by a transport company | ||
| Loss, damage or late delivery by a transport company | ||
| Damage to luggage given in foreign custody | ||
| Damage to luggage given in foreign custody | ||
| Costs for necessary replacement purchases if luggage is not delivered on the same day | ||
| Costs for necessary replacement purchases if luggage is not delivered on the same day | CHF 250 for individuals / CHF 500 for families | CHF 250 for individuals / CHF 500 for families |
| Replacement of ID cards and visas | ||
| Replacement of ID cards and visas | CHF 200 | CHF 200 |
Breakdown assistance
| Applies in Switzerland & Europe to trips with private motor vehicles, mobile homes and camping trailers | |
|---|---|
| Breakdown assistance or towing to a nearby garage | |
| Breakdown assistance or towing to a nearby garage | |
| Recovery of the vehicle after an accident | |
| Recovery of the vehicle after an accident | to CHF 2‘000 |
| Overnight due to a breakdown or an accident | |
| Overnight due to a breakdown or an accident | CHF 120 per night and person |
| Returning home due to a breakdown or an accident | |
| Returning home due to a breakdown or an accident | |
| Rental car due to a breakdown or an accident abroad | |
| Rental car due to a breakdown or an accident abroad | to CHF 1‘500 |
| Public transport and taxi costs | |
| Public transport and taxi costs | |
| Return transport of the vehicle to the domicile garage | |
| Return transport of the vehicle to the domicile garage | |
| Delivery of spare parts abroad | |
| Delivery of spare parts abroad | |
Questions and answers
How do I contact HanseMerkur International in an emergency?
Emergency hotline service
Our Swiss emergency call centre is available 24 hours a day, 365 days a year to support you in the event of an emergency during your trip. The experts provide you with advice on aspects such as choosing doctors or hospitals, or can organise repatriation. If an emergency happens during your trip, call: +41 43 550 21 21
Does the cancellation insurance cover illness with COVID-19?
Insured event
In addition to unexpected and serious illness, the cancellation insurance also covers illness with COVID-19.
Did you know? Key facts about the Travel Europe travel insurance
Travel Europe travel insurance
Europe travel insurance at a glance
Simply set off and enjoy your holiday – Europe offers countless destinations that are easy to reach with your own car, in a mobile home or by train. The Travel Europe travel insurance combines all of the most important benefits, which are tailored to suit travel in Switzerland and within Europe.
Favourable conditions
The best travel cover for Europe at favourable conditions
Our travel insurance for Europe allows you and your fellow travellers to benefit from favourable conditions. The premiums are also staggered depending on the total price of your trip. This means that you can adjust your premium to suit your specific holiday – depending on whether you are booking a holiday home, planning a boat trip or travelling by car. Whatever you choose, you will always receive comprehensive insurance cover offering optimum protection before and during your trip.
Insurance package
Travel Europe travel insurance: A package containing all of the most important insurance components
If you have to cancel or terminate your trip due to an unforeseen event, then the Travel cancellation insurance Europe will reimburse you for the cancellation costs or the additional costs associated with the termination or interruption of your trip. If you have to terminate your trip in the second half of your holiday (as of the ninth day), then we will reimburse you for travel services you have already booked, such as yoga courses, massages or surfing lessons, on a pro rata basis.
Particularly if you are driving in your own car, the breakdown assistance included is a valuable addition to your insurance package. If you cannot continue your trip due to a breakdown or an accident, the Travel Europe travel insurance ensures that you receive help on location quickly. We assume the costs of towing the vehicle to the nearest workshop. What if you have to make an unplanned overnight stop elsewhere? HanseMerkur will assume overnight accommodation costs of up to CHF 500 per person and day if the repair work on your vehicle takes longer.
If you need medical assistance in another EU country due to an accident or for any other reason, your health insurer will reimburse you for the costs incurred as a holder of the European Health Insurance Card. The Travel Europe travel insurance provides extra protection beyond this cover. The personal assistance included in the package covers, for example, repatriation where it makes medical sense and assumes search, rescue and recovery costs. The assistance also helps you if you lose credit and customer cards, mobile phones and travel documents.
