Third-party driver claims

Exceptionally, you’re driving your brother-in-law’s car and you knock over a mail box. How annoying is that! So who pays for the damage to the car – and who pays for the mail box? You'll find the answers to your questions here. 

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Procedure and indemnification for third-party driver claims

  • What information and documentation is important for claims handling?
    • How did the damage occur (origin of loss)?
    • Who was driving the vehicle? Was it you who was driving, or a family member or person who lives in the same household as you and also has liability insurance through you?
    • Who does the vehicle belong to, or who has registered and insured it (keeper of the vehicle)? Private individual or employer? Please state full name and address.
    • Where, and with which company, is the vehicle insured? Is there comprehensive accidental damage insurance (i.e. with collision cover) or accidental damage insurance without collision cover?
    • How often do you drive the third-party vehicle, and for how long in each case (period of time)?

    If the required information and documentation is not yet complete when making your insurance claim, you can send them to us later

    Please note: In the event of an accident, the keeper of the vehicle must notify their insurer of the damage caused. The insurer will first of all process and settle the claim, before billing the costs to you/AXA.  

  • Who arranges the repairs to the damaged car?

    The instructions for the repair must always be given by the keeper of the vehicle, as the damaged vehicle is their property;  this must be after consultation with the relevant accidental damage insurer, if there is one.

  • Who pays which costs? What is insured? (insurance cover)

    Settlement of a claim and costs always involves a certain degree of interplay between the various insurers involved: between us – your liability insurer  for third-party driver damage – and the motor vehicle liability policy or accidental damage insurance policy of the keeper of the vehicle.

    Example: “You drive into a garden fence”

    Car repair

    AXA pays the following costs:

    • With accidental damage insurance: deductible and any loss of bonus under the accidental damage insurance
    • No accidental damage insurance: the entire cost of the repair

    Garden fence

    The costs are apportioned as follows:

    • Motor vehicle liability insurance for the borrowed vehicle; repair costs incurred  
    • AXA: potential loss of bonus under the motor vehicle liability insurance of the keeper of the vehicle  

    Please note: The deductible from the motor vehicle liability insurance of the keeper of the vehicle is not insured. This must be paid by you or by the keeper of the vehicle themselves. 

    Exclusions – the costs payable by you/the keeper of the vehicle  

    The following, for example, are not covered by the insurance:

    • Operational damage, engine damage, damage caused by wear and tear or operating errors (e.g. filling the fuel tank with the wrong fuel such as unleaded rather than diesel – optional supplementary insurance)
    • Damage to vehicles of persons living in the same household as you (e.g. partner, children)
    • Damage to vehicles belonging to the motor trade (e.g. courtesy car provided by your garage)

    You'll find specific information about your insurance cover at any time in the General Insurance Conditions (GIC) – the easiest way to do this is in the customer portal myAXA

  • How is damage to rental cars or car-sharing vehicles insured?

    Damage to rental cars or vehicles (including watercraft) used by multiple persons on a shared basis (car sharing) can be covered via rental car and car-sharing insurance. There is no insurance cover for this under your “normal” liability insurance for third-party driver damage. Costs are apportioned based on similar criteria to those applicable to privately loaned vehicles.

    Example: “You knock over a mail box”

    Car repair

    AXA pays the following costs:

    • With accidental damage insurance: deductible and any loss of bonus under the accidental damage insurance
    • No accidental damage insurance: the entire cost of the repair or the maximum amount agreed us with when you took out your contract.

    Mail box

    The costs are apportioned as follows:

    • Motor vehicle liability insurance of the vehicle; repair costs incurred  
    • AXA: any loss of bonus under the relevant motor vehicle liability insurance

    Please note: The deductible from the motor vehicle liability insurance of the keeper of the vehicle is not insured. This must be paid by you or by the keeper of the vehicle themselves. 

    Check your policy and the corresponding General Insurance Conditions in the customer portal myAXA.

    Note: Courtesy cars provided by garages are not treated as rental cars. Damage to vehicles owned by the motor trade is not normally covered. The garages themselves must pay any costs. This also applies to test drives.

Examples of loss with/without accidental damage insurance with collision cover

Kevin’s first prang

Kevin’s first prang

Kevin borrows his uncle’s car and crashes into a wall when reversing. The wall isn’t damaged, but the car unfortunately is. The repairs to the car cost CHF 5,000. The uncle has accidental damage insurance with collision cover for his car. The costs are split. What costs does AXA pay in the event of third-party driver damage?

  1. Costs for his uncle (CHF 5,000 repair / share of accidental damage with collision cover CHF 4,000)
  2. Deductible (accidental damage insurance with collision cover) CHF 1,000
  3. Loss of bonus (premium accidental damage insurance with collision cover) CHF 500
  4. Effective costs for his uncle CHF 1,500
  5. Indemnification from AXA (liability/third-party driver)
  6. Costs for his uncle CHF 1,500
  7. - Kevin’s deductible CHF 500
  8. AXA pays CHF 1,000
Kevin’s second prang

Kevin’s second prang

It seems Kevin is having a run of bad luck. Three weeks after the accident with his uncle’s car, he was driving his colleague’s car and crashed into the same wall when reversing. The costs are identical, but his colleague doesn’t have accidental damage insurance with collision cover. What does AXA pay in this case?

  1. Costs with no collision cover
  2. Car repair CHF 5,000
  3. - Deductible (Kevin) CHF 500
  4. AXA’s indemnity (liability/third-party driver) CHF 4,500

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