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Personal liability insurance is the most important type of insurance in the life of every Swiss person. Personal liability insurance is recommended for protecting yourself against the financial consequences of claims for damages. Damages may arise due to negligence or illicit acts. AXA personal liability insurance 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.
It becomes much more expensive if you're responsible for personal injury: for instance, if you inadvertently injure someone badly while skiing and now have to pay for treatment, therapy and also loss of income costs. Personal liability insurance covers you for all these eventualities and also protects you against unauthorized claims.
The statutory liability of private persons arising from everyday risksis 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 of medical treatment following personal injury and resultant financial losses.
AXA's personal liability insurance is structured 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:
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:
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 over 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.
Basic coverage:
Additional modules
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.
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.
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
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.
Damage caused by renter 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.
Yes, provided its pedal assistance does not exceed 25 kph and its motor has no more than 500 watts in output. Then it's treated 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 sum insured.
No, as you live in the same household, this damage is not covered. However, 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.
Damage caused through neighborly help has been covered by liability insurance since 2016. Provided this was not caused intentionally, the following scenarios are covered:
Protect yourself against the risk of high deductibles as a regular hire car or car sharing user.
Who bears the costs if damage occurs due to careless treatment or a mishap?
In most cases, liability insurance compensates the damage. But it will help you avoid disappointment if you are aware of the term "present value."
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