Liability insurance is mandatory for every car in Switzerland and is a legal requirement for your vehicle's registration. It covers damage that you as the driver cause to other road users, animals, or property. It also provides defense against unsubstantiated claims for damages.
Partial accidental damage insuranceis voluntary insurance that gives you optimal coverage against the financial consequences of damage to your car. The following are among the damage and risks covered by partial accidental damage insurance:
With voluntary comprehensive accidental damage insurance you choose comprehensive protection for your car. Together with the benefits of partial accidental coverage, comprehensive accidental damage insurance also covers the damage to your car resulting from a collision. Comprehensive accidental damage insurance covers:
Parking damage insurance can be included under your comprehensive accidental damage insurance on request and protects you against damage to your parked car by an unknown vehicle or an unknown person. It makes no difference whether the damage is to the paintwork, the bodywork, or elsewhere.
With accident insurance we support you financially if the driver or passengers are injured or killed. Even if the question of who is at fault has not yet been settled.
Bonus protection guarantees that you do not lose your discount in the event of an accident. Claims-free driving leads to a reduction in your car insurance premium until it is just 30%. AXA waives its right of recourse and indemnity reductions if a traffic accident or collision is caused through gross negligence.
You benefit from free breakdown assistance throughout Europe. The assistance ensures you will get from A to B even if you break down.
The replacement car service covers your travel and transportation costs or a rental car if your car becomes unavailable due to an insured accidental damage or breakdown event.
* Sample calculation for CHF 31.22:
Insured vehicle: VW Polo Beats – 75 hp, year purchased 2020
Policyholder: 51-year-old Swiss man residing in Interlaken
Coverage: Partial and comprehensive accidental damage with CHF 1,000 deductible
Young drivers between 18 and 25 have the opportunity to make big savings on their car insurance premiums with AXA. Installation of the free DrivePartnerresults in a discount of 15%.
Franziska is driving to the shops and forgets her bicycle is on the car roof. On driving into the parking garage, her bicycle and the roof rack are both ripped off the car and the garage entrance is damaged. Fortunately, Franziska has taken out car insurance with AXA.
It's early morning and Dominic is driving his daughter to the crèche. Laura is playing up. Dominic takes a quick look in the rear-view mirror and overlooks an icy patch on the street. He can't brake on time and crashes side-on with an approaching car. AXA car insurance covers the damage.
Yes. Do you own a Tesla Model S, BMW i3, Renault ZOE, or another electric car? The car insurance offers comprehensive protection for your electric car. Calculate your premium now – the electric discount of up to 5% is automatically included.
When driving abroad, the green insurance card confirms that you have liability insurance for your car. You can order one online. It is not needed in countries bordering Switzerland.
Mobility coverage is included in accidental damage insurance. While mobility coverage in accidental damage insurance covers only your own vehicle, vehicle assistance as part of INTERTOURS travel insurance ensures that you're covered in any vehicle (e.g. rental car).
Parking damage occurs when you discover that your parked car has been damaged and the person who caused it cannot be found. If you damage your car while parking, this is not parking damage, but comprehensive accidental damage.
No. In the case of a minor accident, filling out an accident report is sufficient. However, if the question of who was at fault is unclear, it's always advisable to call the police. If someone is injured, you must, by law, inform the police.
In case of a collision with an animal, you must inform the police immediately; if it involves a wild animal, you must inform the responsible game warden immediately.
If you let us make the arrangements for the repair you benefit as follows:
Call us and we will send the certificate of insurance directly to the department of motor vehicles by electronic means.
If you file a liability or comprehensive accidental damage claim before September 30, your premium will increase from January 1 of the following year. In the case of claims that you file between September 30 and December 31, you will start paying a higher premium only from January 1 of the year after the following calendar year.
The minimum contract term is one full insurance year (January 1 to December 31). For example, a contract starting June 1, 2015, could be terminated at the end of December 2016 at the earliest.
When there's damage to a passenger car that is insured against accidental damage and the car can still be driven.
In the whole of Switzerland.