Key points at a glance
- Covers all important risks: Third-party liability insurance covers the costs of damage that you cause to other people or their property – for example, damage you are responsible for as a tenant or mishaps caused by your child.
- Care free in the event of a claim: While third-party liability insurance is not mandatory, without it you may be deemed liable in the event of a claim with your current and future assets until the claim has been paid.
- Protection for everyone under one roof: Third-party liability insurance protects everyone who lives with you in a single household.
Sales advice: 052 244 86 00
Get 3 months free if you’re under 30
If you are under 30 years old and you buy a personal liability and/or household contents policy, we’ll give you the first 3 months of your annual premium for free. The discount applies to annual premiums starting at CHF 60.
Here's how our personal liability insurance works:

Personal liability insurance: download all the information
Examples of damage/loss
FAQ on liability insurance
-
Which costs are covered by personal liability insurance?
Basic coverage:
- Deductible: CHF 200, 300, 400, 500, 1000, 2000, 5000
- Sum insured: CHF 5 / 10 / 20 million
Additional modules
- Using third-party private vehicles: CHF 5 million.
- Using car-sharing and hire vehicles: CHF 5 million / CHF 3,000 for damage to the vehicle itself
- Pet damage to rental apartments: as per basic coverage
- Horse lessee: as per basic coverage
- Hunter liability: as per basic coverage
- Gross negligence: as per basic coverage
- Loss of keys and key service: Up to CHF 10,000
- Emergency home services: Max. twice annually, up to CHF 3,000 per event
- Bike and e-bike assistance: Max. twice annually, up to CHF 5,000 per event
-
What is the coverage amount?
If you cause personal injury, property damage or financial loss, this can quickly become expensive. If it's higher than your sum insured, this means that at worst, you'll have to cover the rest yourself under statutory personal liability. To avoid this, the minimum coverage amount from AXA liability insurance is CHF 5 million , but if you want to be even safer, you can increase this to CHF 10 or CHF 20 million.
-
Is damage caused by children covered?
Parents are of course liable for any underage children. If the little ones "improve" the staircase with wall paintings or accidentally knock over a product presentation in a shop, this is unpleasant, but it's usually covered by the parents' liability insurance. This also applies to situations where godparents or grandparents look after the children.
-
My house keys were stolen. Is the replacement lock covered?
In rental relationships, the landlord often requires replacement of the lock if the house keys are lost. If this is justified, the change of lock is insured under supplementary coverage for loss of keys and key service
-
Who is included in personal liability insurance?
Regardless of whether you live in a partnership, shared apartment or large family, anyone who lives permanently in the same household as the policyholder and forms part of a joint household is also included in the liability insurance. You must make sure that everyone is listed on the policy.
Good to know whenever you make a claim
This might also interest you
Insurance for hire cars and car sharing
Protect yourself against the risk of high deductibles as a regular hire car or car sharing user.
Is the moving company liable for damage?
Who bears the costs if damage occurs due to careless treatment or a mishap?
Present value or replacement value in the case of liability claims?
In most cases, liability insurance compensates the damage. But it will help you avoid disappointment if you are aware of the term "present value."