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Key points at a glance
- Protection for your electric car: car insurance for electric cars covers the cost of damage that you cause with your electric car to a vehicle, property or person as well as damage suffered by your own electric car.
- Individual insurance protection: in addition to the mandatory liability insurance for your car, you can choose between partial and comprehensive accidental damage insurance as well as attractive add-ons.
- Extra protection for battery and home charging station: we offer you special protection for your mobile or fixed charging station as well as the battery for your electric car.
Telephone consultation on car insurance for electric cars: 052 244 86 12
Optimal insurance for your electric car
Would you like to buy an electric car or do you already have one? If so, do you now need the right insurance cover? Car insurance from AXA offers you every type of insurance specifically for electric cars and plug-in hybrids. Also, our add-ons ensure that your battery and charging infrastructure are protected as much as possible.
Compulsory liability insurance for electric cars: for damage caused by your vehicle
Liability insurance for your electric car is compulsory in Switzerland in order for it to be registered. This applies to injury caused by your vehicle to people, animals and damage to property.
Furthermore, you can extend your cover to include damage to your own property that could arise through a mishap with your vehicle. For instance to the front wall of your house, your garage or garden fence.
Services and add-ons to electric car insurance
If you insure your electric car with AXA, you benefit from comprehensive basic cover under liability and accidental damage insurance. You also benefit from many flexible add-ons – from insuring your home charging station to protecting your battery.
Optimal insurance for home charging station or mobile charging equipment
E-mobility charging station supplementary insurance protects your wallbox and mobile charging stations, including charging cable and accessories, against unforeseen damage or destruction, particularly due to:
- Falling
- Improper use, carelessness, negligence
- Electrical impacts, such as short circuit or overcurrent
- Water, fire and natural hazards
- Vandalism and theft
- Damage to charging cable, including any caused by martens and rodents, for example
Regardless of whether you used your charging station incorrectly, or whether it was damaged by vandalism or stolen: AXA meets the cost of an equivalent replacement or repair and covers the installation costs of a new wallbox. The same benefits also apply to mobile charging equipment.
Insure battery for your electric car
Reliably insure your high-voltage battery against:
- Operating errors such as causing an irregular load on the battery, completely discharging it or incorrectly programming a home charging station
- Total discharge, if the battery voltage falls below a critical level, e.g. through defective charging equipment or longer vacation
- Overvoltage, if the battery voltage goes above the tolerance level, e.g. through power failures or lightning strikes
- Malfunctioning of charging device
- Exceptional loss of capacity of more than 50 percent in the first three years
In the event of a claim, we meet the cost of repairing the battery. If a repair isn't possible, we meet the cost of a replacement.
Do your neighbors have concerns about you charging your electric car in the communal garage? You can also insure against property damage to other vehicles, for example, caused by a battery fire, even if there's no legal liability.
Battery certificate – for added safety
The battery is the heart of an electric car. As a customer of AXA, you have the option of measuring the state of your battery at an affordable price by simply using the battery testing box developed by AVILOO.
Offers and discounts for your electric car
Benefit from our partnership with Swisscharge. We promote electromobility and offer our customers exclusive offers and discounts.
Examples of damage/loss
Parking damage by unknown
A stressful day's shopping ends with hassle, as you find a dent and paint damage to your electric car. Who caused it? Disappeared without a trace. Luckily you have parking damage insurance and AXA pays to repair the damage.
- Breakdown of costs
- Paint repair to rear door CHF 1,200
- Organization of repairs by partner garage CHF 200
- Total claim CHF 1,400
- Deductible CHF 200
- Compensation paid by AXA CHF 1,200
Destruction of charging station due to overvoltage
A heavy storm hits the town. A lightning strike disables your home charging station. As it can't be repaired, you receive a new wallbox.
- Breakdown of costs
- Replacement of damaged wallbox CHF 3,000
- Assembly costs CHF 500
- Total claim CHF 3,500
- Deductible CHF 0
- Compensation paid by AXA CHF 3,500
Wildlife vehicle collision
While driving in the mountains, a deer suddenly jumps out into the road and collides with your electric car. The battery is also damaged in addition to significant damage to the front of the car. You're grateful for the replacement vehicle during the repairs.
- Breakdown of costs
- Repair of damage to front of car (radiator, bumper) CHF 18,000
- Repair of battery by partner garage CHF 12,000
- Replacement vehicle for two weeks CHF 1,000
- Total claim CHF 31,000
- Deductible CHF 1,000
- Compensation paid by AXA CHF 30,000
Insure your electric car with AXA and enjoy benefits
- 24-hour hotline for immediate assistance and claims notification. When you report a claim by phone or online, you can find out right away if it’s insured. AXA.ch/claims
- If your electric car breaks down, the roadside assistance add-on including onward travel ensures that you're mobile again within an hour – even if you have a flat battery.
- AXA arranges for your electric car to be repaired by a certified partner garage if it suffers insured accidental damage. By doing so, you benefit from numerous attractive benefits:
- You save time and hassle, as we organize the repair.
- Your car will be picked up if necessary, you'll be given a replacement vehicle and your car will be returned cleaned.
- If possible, glass damage can be repaired at your home.
- You'll receive a lifelong repair guarantee.
Support and FAQ on e-mobility
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What do I have to watch out for when insuring my electric car?
Electric cars are insured as traditional vehicles. You choose between mandatory liability insurance, partial or comprehensive accidental damage insurance and various add-ons. You also have the option of insuring special elements of your electric car, such as the battery, home charging station and mobile charging devices.
Leasing the battery is a special case, in that certain manufacturers can sell you the car but lease the battery to you. This is factored in when the insurance is taken out.
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Why should my electric car's battery also be insured?
The battery is the heart of every electric car. The add-on specifically for high-voltage vehicle batteries gives your electric car optimal protection for the first eight operating years and up to a maximum of 200,000 kilometers driven. Compared to the manufacturer's guarantee, additional risks such as operating errors or total discharge are insured which are excluded in most cases. In the event of a claim, AXA covers the cost of repair if this is possible. Otherwise we pay for the cost of replacing the battery. Disposal costs are also included when there’s an insured event.
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What happens if I have to make a claim with my electric car?
From an insurance point of view, it is irrelevant if a claim relates to a gas, hybrid or electric car. Damage to your vehicle is processed and compensated depending on the incident and existing insurance – liability insurance, partial or comprehensive accidental damage insurance.
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What happens if I can't drive because the car has run out of battery?
The breakdown assistance add-on, including onward travel ensures that you stay mobile: your car will be collected from the breakdown site, returned and your personal journey home or onward travel is also included within a certain range. These services also apply to electric cars with a flat battery.
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What should I know about charging my electric car?
Many places now have public charging stations that offer both slow (AC) and quick charging (DC). The latter charge batteries quickly. The price at public charging stations can be made up of a parking fee while you’re charging and a charging fee per kWh. These prices vary from station to station.
AXA cares about cost transparency: Customers charge their vehicle at all Swisscharge charging stations at the standard transparent price. Register here.
Insure your electric car: download all the information
Moor rewilded with our customers' help
AXA helped to rewild 1 m² of moor in the Graubünden community of Maienfeld for every new car insurance policy taken out for an electric car between January 2023 and February 2025. Thanks to our customers, this type of project has managed to rewild 60,000 m².
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1As humans dry out the moors, rare species are losing their quality habitat. And this also releases a lot of carbon dioxide into the atmosphere.
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2In order to restore the moors, trenches are filled with sheet pilings so that the area can become a wetland again.
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3The groundwater rises until the biodiversity of life specific to that moor is restored. Dead plant matter and carbon are stored for a very long time in the peaty ground.
Together for more sustainability
With its Flora Futura initiative, AXA intends to upgrade around two million square meters of land in which biodiversity can flourish by 2025 – that’s one square meter for every customer. Here you can learn more about the products and solutions with which we support your more sustainable lifestyle.
Interesting facts on electric cars and e-mobility
Charging electric cars – what you should look out for
Have you already switched to an electric car, or are you thinking about it? Our facts about charging electric cars provide you with important information for making your decision.
Electric car charging station for your home
A home electric car charging station represents a practical solution for all electric car owners. Our blog tells you what you need to know about home charging stations.
Cooperation with Swisscharge
Sustainable mobility is worthwhile – and good for your wallet too. Find out which advantages our cooperation with Swisscharge offers you on top of a standard charging rate.