Large and small mishaps can occur quickly: Our personal liability insurance protects you against financial losses if you accidentally cause damage to others.
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.
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.
You will find GICs for policies taken out before May 2019 in your myAXA customer portal.
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.
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.