Rental guarantee

Tenants must place a rental deposit with the bank. This often amounts to as much as three months’ rent. But now, anyone who prefers not to tie up this large amount of money can opt for a rental guarantee from AXA as a convenient alternative.

Affordable annual premium
10% combination discount with personal liability insurance
Can be terminated at any time

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How does a rental guarantee work?

With a rental guarantee from AXA you have free access to your savings instead of having to deposit the amount for the full duration of the lease. We pay your landlord any justified claims such as damage or unpaid rent. We subsequently claim this amount back from you.

Quick procedure

Take out a rental guarantee from AXA.
You will receive confirmation immediately.
The landlord receives the surety within two working days.

Costs

Annual fee: 4% of the guarantee amount
No initial fee
Free adjustment if you change your rental circumstances, e.g. new landlord
Can be terminated at any time, with a prorated refund of the annual premium already paid

Combination discount and service advantage

Requirement: Personal liability insurance
Personal liability insurance from AXA: You receive a 10% discount on the annual premium of the rental guarantee and we automatically clarify whether any damage by tenants is covered.

Conversion of a rental deposit

You already have a rental deposit with the bank? No problem: After contacting your landlord, you can take out a rental guarantee from AXA at any time.
The landlord will then have your rental deposit paid out.

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General Insurance Conditions (GIC) [ 46KB]

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Support and frequently asked questions

What is a rental guarantee from AXA?

A rental guarantee from AXA is not an insurance but a type of surety, for which you pay an annual premium.
Is the landlord at any disadvantage from a rental guarantee?

For landlords, a rental guarantee from AXA offers the same protection as a traditional deposit with a bank. The surety reaches the landlord two working days after the tenant signs the agreement. Moreover, he knows for certain that the tenant has taken out personal liability insurance.

We issue payment immediately if there is a claim due to unpaid rent or damage to the apartment, for example. For this, the signatures of the tenant and the landlord are needed.
Are my premiums used in order to pay off the deposit?

No, your premiums compensate AXA for its willingness to cover, up to a certain amount, any damage to the apartment or any rental fees you may owe during the contract term.
What is the maximum guarantee amount?

AXA's rental guarantee is limited to CHF 20,000.

What happens if the landlord requests a payment from the rental guarantee?

The landlord notifies us about damage to the apartment or a claim for outstanding rental fees. For this, he must send you the original surety document with his signature. By signing the form, you declare your consent and we will pay the amount. We subsequently claim this amount back from you.
What happens if I don't agree with what the landlord is demanding?
If there is damage to the apartment, you always first need to notify your personal liability insurer. It covers any justified liability claims and defends against unjustified ones. If the landlord has instituted collection proceedings, we are obligated to pay the amount without your consent if
- we receive a default summons.
- we receive a legally binding court decision with a fine against you.
Can the landlord reject the rental guarantee from AXA?

Yes, the landlord has the right to ask you for an ordinary rental deposit with a bank.
What happens if the landlord rejects the rental guarantee from AXA and I have already paid the annual premium?

The premium you have paid will be refunded.
How can I terminate the rental guarantee from AXA?

The landlord must confirm the termination in writing and return the surety document. If he fails to do so within a year after the rental agreement ends and does not file any claims, the rental guarantee from AXA ends automatically. The premium is owed up to the end of the rental agreement.

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