Comprehensive everyday protection Personal liability insurance

Large and small mishaps can occur quickly: Our personal liability insurance protects you against financial losses if you accidentally cause damage to others.

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Advantages of AXA's personal liability insurance

  • Personal advice also possible when purchasing online
  • Individual benefits thanks to modular construction
  • Includes liability as cyclist or drone operator

Personal liability insurance pays for itself

What happens if you ruin the parquet floor of your rented apartment or collide with and injure a pedestrian on your bike? AXA's personal liability insurance protects you from the financial consequences. In addition, it covers all persons who live permanently in the same household: family, partner, roommates. 

Personal liability insurance covers damage that you or your loved ones cause accidentally to others and their property – which, in a worst case scenario, can extend into the millions. Otherwise, according to the law, you have to pay this amount from your own personal income and assets. 

The benefits of AXA's personal liability insurance

  • Damage to other people and their property – e.g. as a tenant, as a bicycle, e-bike or motorbike rider, or as an animal keeper
  • Damage while flying drones or model aircraft
  • Damage from self-employment (up to max. CHF 20,000 annual earnings)
  • Damage to third-party vehicles 
  • Damage to hired or carsharing vehicles
  • Damage caused by your pets to your rented apartment – including excessive wear and tear

Optimum & individual protection

AXA's personal liability insurance is constructed as a modular system. You decide yourself if basic coverage is all you need or whether you want better financial protection with our comprehensive supplementary coverage and services.

Use of private third-party vehicles: e.g. you are driving a friend's car and damage it while parking. 
Damage as carsharing or hire car user: e.g. you cause an accident while driving a hire car. This eliminates the need to purchase expensive extra insurance from car hire companies.
Pet damage to rented apartments: e.g. your rabbit chews the carpet or your cat uses the kitchen door as a scratching post. Other types of damage caused by pets, such as when your dog bites someone, are insured under basic coverage.
Gross negligence: e.g. you overlook a red light on your bicycle and collide with a pedestrian who sustains an injury. In this case, the claims payment is not reduced, unlike normal treatment under Swiss law.
Loss of keys and key service: e.g. you lose the keys to your rented or vacation apartment. We organize the key service and pay the cost of changing the locks.
Tradesmen emergency service: e.g. your drainpipe becomes blocked. We arrange the services of a tradesman and pay the costs.
Data recovery and virus removal: e.g. all the family photos on the PC disappear due to a virus. In this case, we arrange the services of an expert who takes care of the data restoration. 

You will find GICs for policies taken out before May 2019 in your myAXA customer portal.

Discount of up to CHF 150

Younger customers aged 18 to 29 benefit from a one-time discount of CHF 50 on their basic coverage when they take out personal liability insurance. Regardless of your age, the sports equipment and luggage modules each come with a CHF 50 discount when you add them to your household contents insurance.

Examples of damage/loss

Collision with a pedestrian

Collision with a pedestrian

Pascal is in a hurry and collides with a pedestrian while riding his bicycle. She falls and injures her leg.

  1. Statement of costs
  2. Recourse of the accident insurer for medical expenses CHF 2,500
  3. Replacement clothing / handbag of pedestrian CHF 700
  4. Grand total damage/loss CHF 3,200
  5. Pascal's deductible CHF 200
  6. Compensation by AXA CHF 3,000
Parquet floor ruined

Parquet floor ruined

Just a moment of absentmindedness, and Anja knocks a vase of flowers and its contents onto the floor of her rented apartment. A major portion of the parquet floor (solid wood) needs replacing.

  1. Statement of costs
  2. Value of the parquet floor (40 m2) CHF 9,800
  3. Repairs to the wall due to splashes CHF 500
  4. Grand total damage/loss CHF 10,300
  5. Anja's deductible CHF 200
  6. Compensation by AXA CHF 10,100
Skiing accident with severely injured child

Skiing accident with severely injured child

The skiing trip at the weekend ends in tragedy. On his last downhill ride, Marc is exuberant and skis over a ledge even though he can't see what's on the other side. He crashes into a child who sustains severe injuries.

  1. Statement of costs
  2. Loss of earnings compensation CHF 1.5 million
  3. Household damage/loss CHF 90,000
  4. Medical expenses CHF 80,000
  5. Satisfaction CHF 70,000
  6. Pre-litigation lawyer fees CHF 40,000
  7. Grand total damage/loss CHF 1.78 million
  8. Marc's deductible CHF 200
  9. Compensation by AXA CHF 1,779,800

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Support and frequently asked questions

  • What tenant damage is insured?

    Tenant damage is generally covered under personal liability. The following are exceptions:

    • Wear and tear, especially in rented accommodation. This relates to damage caused by wear and tear or excessive use.
    • Damage due to deliberate changes to rented property (dowel holes, nail holes and similar), or restoration of the rented property to its original state.
    • The corresponding supplementary coverage insures pet damage to the rented apartment (including wear and tear).
    • The loss of keys is insured with the corresponding supplementary coverage.

    We will be happy to support you during the handover of your rented apartment provided you inform us in advance. 

  • Why are the amounts of insurance for personal liability policies so high?

    The financial consequences of damage to third parties can quickly reach the millions,  e.g. you injure a top manager and have to pay their loss of earnings until the end of their working life.  Or you are accidentally responsible when a house burns down. 

  • Is liability insurance compulsory?
    No, liability insurance is not compulsory, but strongly encouraged. If, for example, you cause an accident involving another family's breadwinner, you will be held liable for that person's loss of earnings plus the cost of the medical treatment. This could ruin you financially unless you have insurance.

Even more protection for your belongings with AXA's household contents insurance:

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    Household contents insurance

    Protect your possessions against hazards such as fire, theft and water damage.

    To household contents insurance

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