Key points at a glance
Living in Vaz/Obervaz (roughly 2’780 residents (postal code 7082))? This guide frames the topic of "Car insurance" for the canton of Graubünden: which rules apply nationwide, which are cantonal — and how to bring insurance, your tax return and pension planning into a coherent whole? Assur-IA works in an educational, comparative way, as a complement (not a substitute) to individual advice.
In Switzerland some rules are cantonal (tax rates, deductions, allowances), others federal (LAMal, federal law). In Vaz/Obervaz, 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 — Lantsch/Lenz (4 km), Albula/Alvra (6 km), Scharans (7 km) — each have their own local page as well. The sections below list the key points to check.
Vaz/Obervaz at a glance: your local context
Vaz/Obervaz, a municipality of roughly 2’780 residents in the canton of Graubünden, brings its own local context to "Car insurance". For health insurance premiums, Vaz/Obervaz 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 2’780
- Canton: Graubünden
- Basic-insurance premium region (FOPH/OFSP): region 2
- Postal code (NPA): 7082
- Federal municipality number (BFS): 3506
Car insurance around Vaz/Obervaz: compare neighbouring municipalities
Around Vaz/Obervaz, 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 Lantsch/Lenz — 3.9 km away
- Car insurance in Albula/Alvra — 6.0 km away
- Car insurance in Scharans — 6.9 km away
- Car insurance in Churwalden — 7.2 km away
- Car insurance in Sils im Domleschg — 7.9 km away
- Car insurance in Fürstenau — 8.9 km away
- Car insurance in Domleschg — 9.0 km away
- Car insurance in Thusis — 9.5 km away
- Car insurance in Rongellen — 9.6 km away
- Car insurance in Cazis — 9.7 km away
Car insurance in Vaz/Obervaz: liability, partial and comprehensive cover
Anyone registering a car in Vaz/Obervaz needs third-party liability insurance (damage to others) without exception. Optional but often sensible: partial casco (theft, glass breakage, natural damage, martens) and, for newer vehicles, comprehensive casco (including self-inflicted collision). Premiums depend among other things on your driving profile, annual mileage and where you park.
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 Vaz/Obervaz
Our approach for "Car insurance" in Vaz/Obervaz: (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 Vaz/Obervaz (practical guidance, not legal advice)
Is "Car insurance" also covered for the area around Vaz/Obervaz?
Yes. The neighbouring municipalities of Vaz/Obervaz, such as Lantsch/Lenz (4 km), Albula/Alvra (6 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 Vaz/Obervaz?
No, it is for orientation in Vaz/Obervaz. A personal decision belongs on the basis of your actual documents (policy, insurer confirmation) and, if needed, an authorised professional in the canton of Graubünden.
Can I compare "Car insurance" in Vaz/Obervaz with no obligation?
Of course. The starting point is your situation in Vaz/Obervaz; only at your request do a concrete comparison and quotes follow. You remain free to decline any offer — free of charge and without obligation.
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
Assur-IA's content is maintained carefully, but it can change with legislation, case law and the product range. It constitutes neither a binding offer nor a personal recommendation. Rates, premiums, deductibles and deductions depend on your profile and the reference date.
Official sources
Our figures and information rely on the official publications of the Swiss Confederation.