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.
The statutory liability of private persons arising from everyday risks is covered. If the policyholder accidentally injures a third party, damages, destroys or loses that party's possessions, personal liability insurance covers the cost of either repairing or replacing items or for medical treatment following personal injury and resultant financial losses.
AXA's personal liability insurance is constructed as a modular system. You decide yourself whether basic cover is sufficient for you or whether you would like to have better protection for yourself financially with our robust supplementary coverage and services - this makes sense, for example, if you like going hunting in your spare time or often go horse riding. The following benefits are automatically included in basic cover:
If you seriously injure another person either by accident or error, this can become very expensive. Medical costs, loss of income, pain and suffering - claims for compensation can often run into several million francs. With liability insurance, you're on the safe side.
If you accidentally scratch your neighbor's vintage car or your child smears a display of goods with chocolate while you're out shopping, you are personally liable for the damage. With liability insurance, AXA covers all associated costs.
If anything borrowed or being looked after in your household is broken, that can be unpleasant enough. If you ultimately have to pay for the ensuing damage, this is doubly annoying. Fortunately, this eventuality is also normally covered through personal liability insurance.
In either an apartment, vacation home or hotel room: As a renter, you have an obligation towards the landlord to treat the rental object with care. If the washbasin is cracked when you move out or the parquet floor has deep scratch marks, you personally would have to pay for repairs or replacement if you didn't have insurance. With personal liability insurance from AXA, you're spared this: Damage caused by renter is a typical everyday risk for insurance protection.
If a visitor slips on your icy stairway and you can be made liable as the owner, you're covered by liability insurance from AXA.
If your dog, cat or other pet causes damage to third parties, you are responsible for this. With personal liability insurance, you're covered by AXA.
If you damage someone else's property or injure someone on your two-wheeler, personal liability insurance protects you against claims.
If damage is caused during your work as a self-employed person, our personal liability insurance covers you up to an annual turnover of CHF 12,000. If you earn more, you need separate professional liability insurance.
If you carry out a part-time or voluntary activity in a cultural organization or at your local tennis club, we also cover your liability in this role.
Passive legal protection is also automatically included in personal liability insurance from AXA.
Do you sometimes drive other people's cars, have a pet or like to light candles at home (please note: gross negligence)? You can also have these and other risks insured, in line with your individual needs:
If, as the driver, you damage a friend's car while parking it, we cover the damage if the third-party vehicle is not already fully covered against accidental damage or the owner would lose their bonus under vehicle insurance as a result of your maneuver.
With supplementary coverage, expensive supplementary insurance of hire cars would not be required, as the former covers any damage when car sharing or using rental vehicles.
This insurance module makes sense if there are pets in your household and you would also like to be covered against any damage they may cause in your rental apartment, such as cats scratching doors. Other liability cases by pets are already included in basic cover.
If horses panic, this can quickly cause serious damage. This supplementary insurance covers the costs of accident-related injuries to horses that are borrowed, rented, being kept temporarily or ridden on behalf of another party.
If required, we also provide protection for liability risks arising from hunting.
If you would also like to be on the safe side for any damage you yourself cause, such as a fire in your apartment due to unattended candles, the benefits under AXA supplementary coverage itself are not affected by gross negligence.
It's always expensive to have locks opened and replaced. If, for example, you lose your key to your rental or holiday home, we organize a key service and also pay to have the locks changed.
To prevent small claims getting unnecessarily larger, such as blocked drain pipes when quick support is required, we arrange the services of a tradesman and cover the cost.
If, for example, all the family photos on your PC disappear due to a virus, we organize experts to help recover the data.
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.
Pascal is in a hurry and collides with a pedestrian while riding his bicycle. She falls and injures her leg.
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.
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.
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.
Tenant damage is generally covered under personal liability. The following are exceptions:
We will be happy to support you during the handover of your rented apartment provided you inform us in advance.
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.