The Swiss National Guarantee Fund (NGF)
The Swiss National Guarantee Fund (NGF) covers the damages caused in Switzerland and Liechtenstein by unidentified or uninsured motor vehicles and trailers as far as the applicable road traffic act provides an insurance obligation.
The NGF also covers the damages caused by bicycles or devices which can be assimilated to vehicles if the liable person cannot be identified or if the damage is neither covered by the latter nor a liability insurer or a third person or insurer.
The NGF also intervenes in case of bankruptcy of the competent Swiss or Liechtenstein MTPL insurer.
It finally also fulfils the tasks of the compensation body according to Art. 79d SVG.
The NGF is financed through a contribution due by the vehicle holders (art. 76a SVG).