Hail damage? Storm damage?
Large and small mishaps can occur quickly: Our personal liability insurance protects you against financial losses if you accidentally cause damage to others.
Purchase advice: 052 244 86 00
Personal liability insurance is the most important type of insurance in the life of every Swiss person. It protects you and your loved ones against high costs if you accidentally cause damage to third parties or their possessions, either because your dog leaves a memento on a hotel carpet or your perfume bottle falls into the washbasin in your rental apartment.
In these types of situation, you are legally obliged to pay for the damaged items and injured persons. At best, the clean-up only costs a few francs, but at worst, replacing the items could cost several thousand francs.
And it's much more expensive if you're liable for personal injury: this could be because you accidentally cause someone serious injury while skiing and now have to meet medical and therapy costs as well as loss of income. Personal liability offers insurance cover for all these eventualities and also protects you against unauthorized claims.
If customers take out personal liability insurance, they benefit from a one-time discount of CHF 50 on basic insurance. The same applies to household insurance. Take out personal liability and household insurance with AXA now and save yourself CHF 100.
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.
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.
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 from AXA is CHF 5 million, but if you want to be even safer, you can increase this to CHF 10 or CHF 20 million.
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".
Yes, provided its pedal assistance does not exceed 25 kph and its motor has no more than 500 watts in output. It then counts as a normal bicycle.
E-bikes with more powerful motors fall under motor-assisted bikes and must have a license plate. AXA's personal liability insurance covers damage over and above statutory insurance up to the selected amount of insurance.
Yes. Everyone listed in the policy who lives permanently in the same household is covered.
No, as you live in the same household, this damage is not covered. If your roommate has household contents insurance from AXA with all-round protection for smartphones, tablets and consumer electronics, the damage is covered by that policy. |
Protect yourself against the risk of high deductibles as a regular hire car or carsharing user.
Who bears the costs if damage occurs due to careless treatment or a mishap?
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