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Key points at a glance
  • Third-party liability insurance – mandatory for everyone: Motor vehicle liability insurance covers damage that you (or anyone else driving your car) causes to a third party with your car.
  • Accidental damage – for damage to your car: Accidental damage also covers you for damage to your vehicle. You can choose between partial accidental damage (damage caused by bad weather, animals and unknown persons) and comprehensive accidental damage (partial accidental damage plus any damage you cause yourself).
  • Add-ons for your individual protection: Round out your insurance coverage with attractive benefits such as damage to a parked vehicle, bonus protection or roadside assistance including onward travel.
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Telephone consultation on car insurance: 052 244 86 00

Car insurance: Select just the benefits you want

Which coverages should you buy for your car? At AXA, you can choose what you want to insure, and what you don't. Start with liability and accidental damage (partial or comprehensive accidental damage) and add on any other coverages that suit your needs.

Infographic on car insurance: Liability, comprehensive and additional benefits with choices for different types of claims and service options.

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Motor vehicle liability insurance: For damage you cause to others

Car liability insurance is mandatory under Swiss law and must be concluded before you can register your vehicle. It covers damage that you as the driver cause to people, animals or property.

You can also choose to insure damage caused to your own property. This add-on policy also covers the costs of a collision with your second car or your garage door.

Accidental damage insurance: Damage to your vehicle

Insure damage to your vehicle with accidental damage. You decide whether to choose partial accidental damage (no collision) or comprehensive accidental damage (with collision), and then add on any other coverages in line with your needs.

Partial accidental damage insurance

Cover damage to your vehicle with accidental damage insurance. You decide whether to choose partial accidental damage (no collision) or comprehensive accidental damage (with collision), and then add on any other coverages in line with your needs.

Partial accidental damage insurance covers damage caused to your car by natural hazards, animals and unknown persons. The following are insured:

  • Theft including car hacking (e.g. misuse of keyless system) and misappropriation
  • Glass breakage  to front, rear and side windows
  • Natural hazards, hail, rockslides, etc., plus fire or lightning strikes
  • Damage caused by martens and rodents as well as collisions with animals (e.g. hitting a wild animal)
  • Malicious damage such as breaking off or damaging antennas, side view mirrors, etc. (without scratching)

Comprehensive accidental damage insurance

Comprehensive accidental damage insurance offers complete protection for your car. In addition to all the benefits of partial accidental damage, it also covers damage to your car that you cause yourself (collision). Comprehensive accidental damage insurance covers: 

  • All the benefits of partial accidental damage insurance
  • Collision: Bodywork damage due to a collision with another car, post, etc.

You can also choose from the following for comprehensive or partial accidental damage insurance

  • Parking damage insurance: covers  any kind of damage – paintwork, bodywork, etc. – to your parked vehicle by unknown persons or vehicles
  • Damage to headlights and side view mirrors
  • Damage to the vehicle interior 
  • Flat tires or scratches on the rims
  • Personal belongings in your vehicle such as laptops, smartphones, etc.  damaged in a vehicle collision or stolen from the vehicle
  • Loss of and damage to vehicle keys, including remote control and keyless access systems

Services and add-ons for car insurance

Car insurance that is tailored to your needs. You can choose from the following services and add-ons for liability insurance or partial or comprehensive accidental damage insurance.

Gross negligence: Benefits are not reduced for accidents and damage caused by gross negligence (such as driving through a red light).

Bonus protection: This guarantees that you don’t lose the discount on your insurance premium if you have an accident. Claims-free driving gradually lowers your car insurance premium  – until it’s just 30 percent of the original amount. 

Roadside assistance including onward travel: We organize and pay for roadside assistance and your direct journey home or pay up to CHF 500 per person to continue your trip.

Replacement vehicle: AXA covers the cost of a replacement car while your car is being repaired, regardless of whether the repairs are made after insured damage or a breakdown. In the event of a total loss, you’ll be given a replacement car for a whole month, giving you plenty of time to look for a new car without any stress.

Vehicle legal protection: This add-on gives you legal protection when you’re driving your car or riding your motorbike. Our experts advise you on legal questions about the next steps and assist you if there are any disputes about your vehicle, such as if you’d like to contest the excessive bill you’ve received from your car repair shop.

Injury to you and your passengers: Our accident insurance supports you financially if the driver or passengers are injured or killed. This means increased benefits from existing accident insurance (e.g. private room).

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A smiling man drives a car while a laughing woman sits in the passenger seat. Sunlight shines through the window.
1

Personalized coverage to fit your needs: You only insure what you actually need.

A young woman with blond hair and a knitted hat smiles out of the car window.
2

Top benefits from the top company: No one else offers more comprehensive protection than we do.

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3

Zero worries if you have an accident: Just reach out to us – we’ll take care of everything.

FAQs about car insurance

What is not covered under car insurance?

The insurance excludes damage or traffic accidents that are caused by you as the driver

  • while intoxicated (blood alcohol level higher than legally allowed),
  • while unfit to drive,
  • with particularly gross disregard for the maximum permitted speed limit (according to Road Traffic Act),
  • while driving without the necessary driver’s license or without official authorization.

Nor is operating damage to the vehicle, such as wear and tear, covered.

What is an international insurance card (green card), and where can I get one?

When driving abroad, the international insurance card (formerly known as the green insurance card)  confirms that you have liability insurance for your own car. You can order one online. It isn’t needed in countries bordering Switzerland.

Who is responsible for covering parking damage?

Parking damage occurs when you discover that your parked car has been damaged and the person who caused it cannot be found. This policy can be added to your car insurance.

If you damage your car while parking, it is covered under comprehensive accidental damage because it is not considered to be parking damage. This damage is insured through comprehensive accidental damage insurance.

Do I always have to inform the police if I have an accident?

No. If it’s just a minor accident, all you need to do is fill out an accident report. However, if it’s not clear who was at fault, it’s always advisable to call the police. If someone is injured, the law requires that you inform the police.

If you hit an animal with your car, you must inform the police or the local game warden immediately.

Do I also need roadside assistance?

If you have taken out the add-on for breakdown assistance including onward travel, we make sure that you can continue your journey with the insured vehicle. The vehicle assistance provided by INTERTOURS travel insurance protects you in any vehicle you're traveling in. If you occasionally rent a car or borrow one from a friend, vehicle assistance is a good idea.

Certificate of insurance/change of vehicle: What do I have to do?

Whether you’ve bought a new vehicle or have moved to a new address, you can easily order your certificate of insurance from us online.

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What is the pickup and delivery service?

If you contact us about an insured loss event and have the damage repaired at an AXA partner garage, you’ll be entitled to a replacement car. If you want, the pickup and delivery service can pick up and return your car to you after it’s been repaired. The only requirement is that the car must still be roadworthy. This service applies throughout Switzerland.

More offers and services for car insurance

Car insurance: Download all the information

More tips for your car

Learn more about our insurance coverage and benefits as well as some general driving tips in our blog.

Interview: What to do if your car breaks down on vacation

What do I need to do if my car breaks down abroad? Our expert Guido Binder, Head of 24-hour Customer Service, provides answers to the most important questions.

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Partial or comprehensive accidental damage insurance?

If you switch cars or buy a new car, you have to insure it by law. But which car insurance is the best? Our blog compares partial and comprehensive accidental damage insurance side by side.

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Car accident – what now? This checklist shows you what you need to do.

Do you know what to do if you are involved in a road accident? Our checklist contains all the important steps – in the right order.

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Two men inspect the damage after a rear-end collision between two cars on a road in daylight.

Rear-end collision: What you need to know

In a rear-end collision, who’s liable and whose insurance pays? And what happens if several vehicles are involved? Find out this and more in the blog.

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