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Security for your company cars Fleet insurance

One contract, one invoice and transparent, individual vehicle lists
Automatic premium and cover reduction for older vehicles
Saves time and money in combination with AXA fleet services
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Key points at a glance
  • Safe while you’re out and about: fleet insurance protects your fleet (from five vehicles) and includes the essential insurance policies in one single uncomplicated policy.
  • Coverage for your fleet: the insurance cover includes private cars, company cars, fleets of trucks and delivery trucks.
  • No-worries package: fleet management saves you costs and expenditure in running your vehicle fleet.
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  • Insuring only one vehicle?
    Insuring only one vehicle?

    Do you own a company, but want to insure just one vehicle?

    To car insurance for a single vehicle

Who needs fleet insurance?

Fleet insurance from AXA offers comprehensive protection for your fleet and combines all necessary insurance in one policy. This not only saves on premiums but also on administration. Fleet insurance is worthwhile for your company from as few as five vehicles. Every vehicle is included – from passenger cars to trucks. Parking damage, own damage and bonus protection can be included in the coverage in line with your wishes. One particular advantage is that the entire vehicle register is updated and maintained by AXA. This ensures that the insurance protection of a newly registered car is not forgotten, and that every vehicle enjoys the right insurance protection at all times. For example, insurance by vehicle age - in line with your requirements - is automatically switched from comprehensive to partial accident damage.

Do you also use your car for business?

If you use your car for private and business purposes, you can insure your private car through standard motor vehicle insurance. Agree with your employer how much your company will pay towards your company car’s vehicle insurance. 

It’s good to know that the subject of insurance is important, but don’t forget to check the tax position! Here too, our fleet experts will be happy to help you.

AXA fleet services: the no-worries package for your vehicle fleet

As well as classic fleet insurance, AXA offers you a wide range of fleet services for your vehicle fleet. Whether fleet management or legal protection insurance - with AXA fleet services, you have control over your fleet, you reduce costs and save time.

Fleet Management

UPTO fleet management is a cost-cutting, time-saving fleet service for companies of any size. With our fleet managers there to help, you’ll no longer need to worry about time-consuming price quote checks, trips to the garage, or maintenance deadlines. Thanks to their expert knowledge and the national network of AXA Mobility Services, our fleet managers can additionally cut your mobility costs by up to 20%.

Motor legal protection

If mobility is a part of your business activity, then motor legal protection should be too. Choose this module if you maintain company vehicles. It supplements commercial legal protection with the legal areas relevant to drivers:

  • Vehicle contract law: disputes arising from contracts for company vehicles, e.g. because of repairs or leases
  • Vehicle taxation: disputes over vehicle tax and road pricing
  • Ownership and property law: disputes arising from the ownership of insured company vehicles

What does fleet insurance cover?

Motor vehicle fleet insurance from AXA offers insurance protection for the entire vehicle fleet in one contract. Not every car or truck needs the same insurance cover. You can therefore combine the insurance range for your fleet with at least five vehicles in one single contract in line with your needs.

Liability insurance

Liability insurance is obligatory in Switzerland for all keepers of motor vehicles under the Road Traffic Act. It covers any damage you may cause to other road users (drivers, cyclists, and pedestrians), animals or property while you are driving and protects you from unjustified claims for damages you may face.

Accidental damage insurance

Partial accidental damage: partial accidental damage insurance covers damage to your car caused by natural hazards, animals and unknown persons. The insurance covers:

  • Theft, including car hacking (e.g. abuse of keyless system) and misappropriation
  • Glass breakage on windshield, side and rear windows
  • Natural hazards, hail, rockfall etc. as well as fire or lightning strike
  • Damage caused by martens and rodents as well as collisions with animals (e.g. hitting a wild animal)
  • Malicious damage such as breaking off or damaging antennas, side view mirrors, etc. (without scratching)

Comprehensive accidental damage: comprehensive accidental damage insurance (collision) covers damage to your own vehicle in addition to any damage that is covered under partial accidental damage insurance.

You can also choose from the following for comprehensive accidental insurance:

  • Parking damage insurance: covers any kind of damage – paintwork, bodywork, etc. – to your parked vehicle by unknown persons or vehicles.

You can also choose from the following for comprehensive or partial accidental damage insurance:

  • Damage to headlights and side view mirrors
  • Flat tires or scratches on the rims
  • Personal belongings in your vehicle such as laptops, smartphones damaged in a vehicle collision or stolen from the vehicle
  • Loss of and damage to vehicle keys, including remote control and keyless access systems

You can find more information on  comprehensive or partial accidental damage in our blog ʺPartial or comprehensive accidental damage insurance? Tips for choosing your best coverage for your new carʺ.

Accident

The insurance covers the driver and persons traveling in the vehicle who suffer an accident during the journey. Insured benefits are provided immediately, even if the question of who is at fault has not yet been resolved.

Payment in the event of a total loss

In the event of a total loss, you can choose between the present value supplement and present value. With the present value supplement, the new value of the vehicle will be fully compensated if you make a claim in the first two years. After the first two years, AXA will pay a percentage of the vehicle’s value based on its years in operation.

Which supplementary modules can be included in fleet insurance?

With our main modules, you’re already very flexible and you’re covered for those risks that are relevant to your situation. Our add-on modules enable you to make further individual adjustments to your fleet insurance to suit your own needs. Regardless of whether bonus protection, gross negligence waiver or first-party loss, our fleet insurance offers a wide range of add-on modules so that you, your fleet and your employees have the best cover.

Bonus protection

If you include bonus protection in your insurance, AXA accepts a higher claim frequency and claim amount before increasing your premium.

Waiver of gross negligence penalty

Under the Federal Insurance Contract Act (ICA), traffic accidents and collisions caused by gross negligence – e.g. driving through a red light – mean that indemnities are reduced. This reduction can be minimized with the gross negligence waiver add-on module. But this does not apply to loss or damage caused when driving while intoxicated or in an otherwise unfit condition, or when grossly disregarding the speed limit. Swiss law naturally applies here. 

Legal protection

Legal disputes take up a lot of time and cost a lot of money. If you include motor vehicle legal protection insurance, you will receive robust assistance and professional support in the event of legal disputes that can arise from ownership, possession or use of insured vehicles.

First-party loss

Basic liability insurance does not cover damage to your own property (for example, if two vehicles from your fleet collide with each other), but first-party loss cover does insure this type of event.

Battery insurance

Protect the batteries of your electric vehicles with our "Battery insurance" add-on. It will insure you, for example, for operating faults, total discharge or overvoltage which can result in the drive battery decreasing in performance. AXA also covers repair or replacement if there is an unusual loss of capacity of more than 50% in the first three years of operation. 

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Frequently asked questions

From how many cars can I take out fleet insurance?

We do not require a minimum number. However, AXA recommends fleet insurance from five vehicles since the volume discount then kicks in.

Can all vehicle types be included in a motor vehicle fleet insurance policy?

Yes, all types of motor vehicle can be insured. From passenger cars, electric vehicles, forklift trucks and tractors to combine harvesters and trucks.

Do my vehicles have to go to a certain garage after taking our fleet insurance?

We offer two options:

  1. You can choose the "Free choice of garageʺ option". In this case, you can have your vehicle repaired at your preferred garage without referring to us. 
  2. You can choose the ʺAXA partner garageʺ option". In this case, you are obliged to have the repairs carried out at one of AXA’s authorized garages. AXA or UPTO decides on the allocation. Please consult the garage list for details of our partner garages.