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.
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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.
A rental guarantee from AXA is not an insurance but a type of surety, for which you pay an annual premium.
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.
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.
AXA's rental guarantee is limited to CHF 20,000.
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.
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
Yes, the landlord has the right to ask you for an ordinary rental deposit with a bank.
The premium you have paid will be refunded.
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.