Key points at a glance
This information page is aimed at people living in Domat/Ems (roughly 8’037 residents (postal code 7013)), in the canton of Graubünden, who want to organise their insurance, tax matters and cover in line with Swiss law. Assur-IA supports households and the self-employed with a clear treatment of "Car insurance" — premiums, deductibles, deductions and responsibilities — without replacing individual tax or legal advice.
In Switzerland some rules are cantonal (tax rates, deductions, allowances), others federal (LAMal, federal law). In Domat/Ems, your actual circumstances — renting or owning, employment status, household size, vehicles, cross-border income — therefore shape risk and priorities far more than the postal code. The nearest municipalities — Felsberg (2 km), Tamins (4 km), Bonaduz (4 km) — each have their own local page as well. The sections below list the key points to check.
Domat/Ems at a glance: your local context
Domat/Ems, a municipality of roughly 8’037 residents in the canton of Graubünden, brings its own local context to "Car insurance". For health insurance premiums, Domat/Ems belongs to FOPH premium region 2 of the canton of Graubünden. Two neighbouring municipalities can sit in different premium regions — and therefore pay noticeably different premiums for identical benefits. Always compare for your exact municipality of residence, not a cantonal average.
- Population: roughly 8’037
- Canton: Graubünden
- Basic-insurance premium region (FOPH/OFSP): region 2
- Postal code (NPA): 7013
- Federal municipality number (BFS): 3722
Car insurance around Domat/Ems: compare neighbouring municipalities
Around Domat/Ems, every neighbouring municipality has its own page on the topic — useful if a move is coming up or if you are weighing several locations:
- Car insurance in Felsberg — 1.7 km away
- Car insurance in Tamins — 3.8 km away
- Car insurance in Bonaduz — 4.2 km away
- Car insurance in Rhäzüns — 4.7 km away
- Car insurance in Rothenbrunnen — 6.6 km away
- Car insurance in Domleschg — 6.7 km away
- Car insurance in Coire — 6.7 km away
- Car insurance in Churwalden — 8.0 km away
- Car insurance in Cazis — 9.4 km away
- Car insurance in Trin — 10.6 km away
Car insurance in Domat/Ems: liability, partial and comprehensive cover
Motor third-party liability is compulsory in Switzerland for every registered vehicle — it covers the damage you cause to others. Beyond that, partial casco protects your own vehicle against natural events, theft, glass breakage or marten damage, and comprehensive (full casco) additionally covers self-inflicted collisions. In Domat/Ems, your driving profile, annual mileage and parking spot affect how insurers rate the risk.
Comparing pays off especially when you change vehicle or after claim-free years: no-claims levels, deductibles and add-ons (parking damage, gross negligence, legal protection, replacement car) vary widely. For new cars, replacement at current or new value is a key criterion.
Clarify before switching
- Claims history and no-claims level over recent years.
- Partial or comprehensive casco — depending on the age and value of the vehicle.
- Scope of cover: gross negligence, parking damage, replacement vehicle, driving abroad.
How we work for Domat/Ems
For "Car insurance" in Domat/Ems we work in three stages: an inventory of your contracts and dates (canton of Graubünden); an analysis of cover gaps, over-insurance and overlaps; then costed scenarios as a basis for your decision. It is not about more insurance, but about the right balance of premium, deductible and benefit. All free and without obligation — as an educational complement, not a substitute for individual professional advice.
FAQ — insurance in Domat/Ems (practical guidance, not legal advice)
Is "Car insurance" also covered for the area around Domat/Ems?
Yes. The neighbouring municipalities of Domat/Ems, such as Felsberg (2 km), Tamins (4 km), each have their own page on "Car insurance" — handy when you compare several places to live in the canton of Graubünden or a move is coming up.
Does this page replace personal advice in Domat/Ems?
No. It explains the insurance and tax concepts for residents of Domat/Ems (canton of Graubünden). Your decisions should rest on your own documents — and, where needed, on a regulated professional.
Can I compare "Car insurance" in Domat/Ems with no obligation?
Yes: we first clarify your needs, then — only if you wish — targeted comparisons and quotes for Domat/Ems follow. The comparison is free, and no offer is binding.
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Important notes
All information is provided without guarantee and may be affected by changes to the law or rates. No figure on this page creates a contractual entitlement: always check the definitive values with your insurer, the FOPH or your canton before you decide.
Official sources
Our figures and information rely on the official publications of the Swiss Confederation.