The alternative to a rental deposit

Rental guarantee

The AXA rental deposit is not an insurance policy but a surety: We settle claims and rental arrears for you. Quick and straightforward.

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Home and Property Insurance

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Your advantages

Affordable annual premium
10% combination discount with personal liability insurance
No hidden charges

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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 receive a confirmation of receipt of your application straight away.
The landlord receives the surety within three to five working days.

Costs

Annual fee: 4% of the guarantee amount
No initial fee
10% combination discount on the rental deposit when taking out personal liability insurance from AXA
Free adjustment if you change your rental circumstances, e.g. new landlord
After consultation with the landlord: can be terminated at any time with prorated repayment of the annual premium already paid

Requirement

Requirement for the AXA rental deposit is personal liability insurance, as this already covers a lot of damage to your rental apartment.
You can also apply for an AXA rental deposit if you have taken out your personal liability policy with another insurance company. You will not benefit from the combination discount in this case.

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

If you already have or take out personal liability insurance from AXA, you will get a 10% discount on the annual premium of your rental deposit.
We also automatically check for you whether your AXA personal liability covers any tenant damages. We carry out these checks after we have paid your landlord’s claim.

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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 three 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.