Key points at a glance
This information page is aimed at people living in Lumnezia (roughly 2’025 residents (postal code 7144)), 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 Lumnezia, 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 — Mundaun (5 km), Ilanz/Glion (7 km), Obersaxen Mundaun (8 km) — each have their own local page as well. The sections below list the key points to check.
Lumnezia at a glance: your local context
Lumnezia, a municipality of roughly 2’025 residents in the canton of Graubünden, brings its own local context to "Car insurance". For health insurance premiums, Lumnezia 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 2’025
- Canton: Graubünden
- Basic-insurance premium region (FOPH/OFSP): region 2
- Postal code (NPA): 7144
- Federal municipality number (BFS): 3618
Car insurance around Lumnezia: compare neighbouring municipalities
Living or working near Lumnezia? Each of the closest municipalities has its own local page — handy when you move or when you compare several places to live:
- Car insurance in Mundaun — 5.3 km away
- Car insurance in Ilanz/Glion — 6.7 km away
- Car insurance in Obersaxen Mundaun — 7.7 km away
- Car insurance in Schluein — 8.3 km away
- Car insurance in Sagogn — 10.1 km away
- Car insurance in Safiental — 10.8 km away
- Car insurance in Vals — 11.2 km away
- Car insurance in Breil/Brigels — 11.6 km away
- Car insurance in Falera — 12.5 km away
- Car insurance in Laax — 14.8 km away
Car insurance in Lumnezia: 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 Lumnezia, your driving profile, annual mileage and parking spot affect how insurers rate the risk.
When comparing, look beyond the premium: deductibles, bonus protection, cover for gross negligence, parking damage and new-value compensation make the difference when a claim arises. Switching provider is usually possible at contract end — and often earlier if the premium rises.
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 Lumnezia
Our approach for "Car insurance" in Lumnezia: (1) list your contracts and deadlines in the canton of Graubünden; (2) uncover under- and over-insured risks as well as double cover; (3) compare options with concrete figures before you decide. The goal is never to pile up policies, but to align premiums, deductibles and benefits to a deliberately chosen level of risk. The comparison is free and without obligation; Assur-IA works in an educational way and replaces neither the tax authority nor regulated individual advice.
FAQ — insurance in Lumnezia (practical guidance, not legal advice)
Is "Car insurance" also covered for the area around Lumnezia?
Yes. The neighbouring municipalities of Lumnezia, such as Mundaun (5 km), Ilanz/Glion (7 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 Lumnezia?
No. It explains the insurance and tax concepts for residents of Lumnezia (canton of Graubünden). Your decisions should rest on your own documents — and, where needed, on a regulated professional.
Can I compare "Car insurance" in Lumnezia with no obligation?
Yes: we first clarify your needs, then — only if you wish — targeted comparisons and quotes for Lumnezia follow. The comparison is free, and no offer is binding.
How is the data from the form handled?
Transmission is encrypted and only takes place after your explicit consent. Details on purpose, recipients and storage duration are in our privacy policy.
Important notes
This local guide for Lumnezia is for orientation. It replaces neither a personal quote nor the assessment of a regulated professional. The amounts, premiums and deductions mentioned change with your situation, your insurer and the given year.
Official sources
Our figures and information rely on the official publications of the Swiss Confederation.