HanseMerkur
  • Coronavirus
  • Change data
  • Report a claim
  • Sales partners
  • Partner-Login
  • Switzerland International
    • Germany
    • Austria
    • Poland
  • English Change language
    • German
    • French
  • Travel insurances
    Back
    • Travel insurance packages
      • Travel – Single-trip travel insurance
      • Travel 365 – Annual travel insurance
      • Travel Europe – Self-driving insurance
      • Travel Camping – Camping insurance
      • Travel Group – Group travel insurance
    • Rental car insurance
    • Insurance for foreign-national visitors
    • All forms of travel insurance
    COVID-19 and travel insurance

    Frequently asked questions relating to COVID-19

    To the FAQ
    Jahresversicherung_Sommer
    Travel 365 – Annual travel insurance

    The worry-free package provides you with insurance cover for a period of one year covering an unlimited number of trips.

    Find out more
  • Service
    Back
    • Report a claim
    • Contact
    • Change data
    • Request documents
      • Copy of insurance policy
      • Additional Covid-19 confirmation
      • Confirmation travel health insurance
      • Confirmation travel health insurance incoming
      • Tax receipt
    • Emergencies
    • Download centre
    • FAQ
    • Glossary
    • Test results and awards
    • Payment methods
    • Overview of all services
    COVID-19 and travel insurance

    Frequently asked questions relating to COVID-19

    To the FAQ
    iStock-1156269804
    Notice of claim

    Do you want to report an insured event? We will help to make everything alright again as soon as possible.

    Find out more
  • The company
    Back
    • About us
      • History
      • Philosophy and success
      • Solvency and financial report
      • Media
      • Careers
    • History
    • Philosophy and success
    • Solvency and financial report
    • Media
    • Careers
    HMI Headquarter Vaduz
    Who we are

    Find out everything about HanseMerkur International AG – your top-quality travel insurer in Switzerland.

    Find out more
  • Search
    Back
    Search
  • HanseMerkur International AG
  • Travel insurances
  • Travel insurance packages
  • Travel Europe – Self-driving insurance

Travel Europe – Insurance for travellers using their own car

Reiseversicherung Schweiz
SIGT: 1st Place Customer Satisfaction Travel Insurances
SIGT: Top 3 Price-Performance Ratio Travel Insurances

Travel Europe

  • Comprehensive cover for travel by car, rail and ship
  • Assistance in the event of a breakdown or accident
  • Cover for holiday homes, hotels and camping sites 
Calculate premium
From CHF
24.-*
Quick access
  • Advantages
  • Tariff overview
  • Benefits
  • Corona
  • Questions & answers
  • Did you know?
  • Downloads
  • Book online

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.

* Sample premium for a trip costing up to CHF 500.

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

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
(max. CHF 10,000)
Excess
No excess­
Number of trips
Single trip
Price overview
Download PDF
Sample price for travel insurance

from CHF 24

(sample premium for a trip price of up to CHF 500)
Calculate premium

At a glance – The most important benefits

Cancellation insurance
Cancellation insurance
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 specifiedup 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
Trip inter­rup­tion insurance 
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
Personal assistance
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 collectionup to CHF 2'500
Search, rescue and recovery costs
Search, rescue and recovery costsup 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 accidentup 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
Luggage insuranceTravelTravel Premium
Maximum sum insured
Maximum sum insuredCHF 1'000 for individuals / CHF 2‘000 for familiesCHF 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 dayCHF 250 for individuals / CHF 500 for familiesCHF 250 for individuals / CHF 500 for families
Replacement of ID cards and visas
Replacement of ID cards and visasCHF 200CHF 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 accidentto CHF 2‘000
Overnight due to a breakdown or an accident
Overnight due to a breakdown or an accidentCHF 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 abroadto 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

eKomi - Client reviews

Transparency is important to us: Find out more about our client's experiences

/ 5 stars

reviews

See all reviews
About eKomi

Our tip: all the important answers about your travel insurance and Covid-19 can be found in our frequently asked questions about Covid-19.

Coronavirus-FAQ Travel insurance

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

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.

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.

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.

Important documents for download

All important documents to save or print out at a glance:

  • Price overview
  • General Conditions of Insurance
  • Fact sheet on insurance products

Book Travel Europe travel insurance directly

Choose from the following range of convenient payment methods when you book:

Zahlungsmittel-ohne-Rechnung_CH

PURCHASE ON ACCOUNT

  • Travel Europe

Travel Europe

CHF 24

(Sample premium for a trip costing up to CHF 500)

Calculate premium

Product recommendation for:  

  • Visit us on:
International:
Schweizer Flagge Switzerland
  • Deutsche Flagge Germany
  • Österreichische Flagge Austria
  • Polnische Flagge Poland

Reviews – Transparency is important to us

Ekomi-Siegel standard
4.8 / 5
48 Reviews

  • All reviews
  • About eKomi

The company

  • About us
  • History
  • Philosophy and success
  • Solvency and financial report
  • Media
  • Careers

Sales partners

  • Sales partners
  • Partner-Login
  • Become a partner
  • ©2023 HanseMerkur International AG
  • Legal notice
  • Data protection
  • Disclaimer and terms of use
Contact
Report a claim