Key points at a glance
This information page is aimed at people living in Oberems (roughly 122 residents (postal code 3948)), in the canton of Valais, 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.
The Swiss system combines cantonal responsibilities (taxes, rates, allowances) with federal law (LAMal, national rules). For Oberems that means your real profile — housing situation, employment, family, vehicles, any cross-border matters — weighs more than the address. The nearest municipalities — Ergisch (8 km), Anniviers (8 km), Agarn (8 km) — each have their own local page as well. Below you will find the relevant reference points for a first assessment.
Oberems at a glance: your local context
Oberems, a municipality of roughly 122 residents in the canton of Valais, brings its own local context to "Car insurance". Oberems lies in premium region 2 of the canton of Valais (FOPH classification). Because even the next municipality may belong to a different region, premiums for the same cover can differ significantly — what matters is always the exact municipality, not the cantonal average.
- Population: roughly 122
- Canton: Valais
- Basic-insurance premium region (FOPH/OFSP): region 2
- Postal code (NPA): 3948
- Federal municipality number (BFS): 6112
Car insurance around Oberems: compare neighbouring municipalities
Around Oberems, 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 Ergisch — 7.7 km away
- Car insurance in Anniviers — 7.9 km away
- Car insurance in Agarn — 8.0 km away
- Car insurance in Eischoll — 8.5 km away
- Car insurance in Unterbäch — 9.5 km away
- Car insurance in Saint-Nicolas — 9.6 km away
- Car insurance in Turtmann-Unterems — 9.8 km away
- Car insurance in Embd — 10.2 km away
- Car insurance in Steg-Hohtenn — 10.8 km away
- Car insurance in Guttet-Feschel — 11.6 km away
Car insurance in Oberems: 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 Oberems, 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 Oberems
For "Car insurance" in Oberems we work in three stages: an inventory of your contracts and dates (canton of Valais); 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 Oberems (practical guidance, not legal advice)
Is "Car insurance" also covered for the area around Oberems?
Yes. The neighbouring municipalities of Oberems, such as Ergisch (8 km), Anniviers (8 km), each have their own page on "Car insurance" — handy when you compare several places to live in the canton of Valais or a move is coming up.
Does this page replace personal advice in Oberems?
No, it is for orientation in Oberems. A personal decision belongs on the basis of your actual documents (policy, insurer confirmation) and, if needed, an authorised professional in the canton of Valais.
Can I compare "Car insurance" in Oberems with no obligation?
Of course. The starting point is your situation in Oberems; 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?
Your details are transmitted through our secure infrastructure — solely with your explicit consent. The purposes, recipients and retention periods are described in the privacy policy.
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.