Car insurance

Is your car your pride and joy, or just a means of getting from A to B? Whichever is true, it is optimally insured at AXA. Calculate your premium online – You keep your advisor even when you purchase from us online.

Car pickup and delivery service (incl. free replacement vehicle)
Extras insured free of charge
Personal advice possible despite online purchase

Calculate the premium

Purchase advice: 0800 800 501

You can register a claim here

Insurance overview

Every motor vehicle owner must have liability insurance. Accidental damage and accident insurance are voluntary.

Third-party liability insurance

Liability insurance is mandatory. It covers any damage you may cause to other road users, animals or property while you are driving and protects you against any unsubstantiated claims for damages you may face.

Guaranteed amount CHF 100 million

Accidental damage insurance

Accidental damage insurance is voluntary and covers damage to your car. You can choose between full or partial accidental damage coverage.

Partial accidental damage insurance:

Roadside assistance throughout Switzerland
Theft
Malicious damage (e.g. deliberately broken off rear-view mirrors)
Damage by natural forces (e.g. hail), fire, snowslides, animals and martens
Glass breakage (including spotlights)
Items carried along (e.g. sports bag)
Extras: Free coverage for up to 10% of the vehicle’s list price
Present value supplement: for total loss: in year one, repayment of 100% of new price; thereafter, higher compensation than present value of the vehicle

Comprehensive insurance (collision coverage):

Damage to your car due to a collision
Parking damage can be included (unlimited events per year)

Accident insurance

With accident insurance we support you financially if the driver or passengers are injured or killed. This applies even if the question of who is at fault has not been settled.

Valid for all cars registered in Switzerland that you drive and not just your own car
Medical expenses, e.g. private ward in a hospital
Death lump sum, in addition to other insurance benefits
Disability lump sum, in addition to other insurance benefits

Bonus protection for no-claims discount

Bonus protection guarantees that you do not lose your discount in the event of an accident. Claims-free driving leads to a reduction in your premium until it is just 30%.

Download

General Insurance Conditions (GIC) [ 755KB]

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Driving into the garage with roof rack

Franziska is driving to the shops and forgets her bicycle is on the car roof. On driving into the parking garage, her bicycle and the roof rack are both ripped off the car and the garage entrance is damaged.

Statement of costs
Accidental damage
Chassis damage to the car roof CHF 3,456
Damaged roof rack CHF 155
Bicycle CHF 1,250
Liability claims
Damage to garage entrance CHF 365
Total damage/loss CHF 5,226
Franziska's deductible CHF 1,000
Compensation by AXA CHF 4,226

Accident due to black ice

It’s early morning and Dominic is driving his daughter to the crèche. Laura is playing up. Dominic takes a quick look in the rear-view mirror and overlooks an icy patch on the street. He can’t brake on time and crashes side-on with an approaching car.

Statement of costs
Accidental damage (for Dominic’s car)
Towing fees CHF 350
Total damage/loss CHF 25,926
Liability claim (for the other car)
Towing fees CHF 350
Total damage/loss CHF 31,654
Total damage/loss CHF 58,280
Dominic's deductible CHF 1,000
Compensation by AXA CHF 57,280

Support and frequently asked questions

Does AXA car insurance cover my electric car?

Yes. Do you own a Tesla Model S, BMW i3, Renault ZOE or another electric car? Our car insurance offers comprehensive coverage for your electric car. Calculate your premium now – the electric car discount of up to 5% is included automatically.
What is a green insurance card and where can I get one?

When driving abroad, the green insurance card confirms that you have liability insurance for your car. You can order one online. It is not needed in countries bordering Switzerland.
Do I need additional assistance for my vehicle?

Mobility coverage is included in accidental damage insurance. While mobility coverage in accidental damage insurance covers only your own vehicle, vehicle assistance as part of INTERTOURS travel insurance ensures that you’re covered in any vehicle (e.g. rental car).

To INTERTOURS travel insurance
What is covered by parking damage?

Parking damage occurs when you discover that your parked car has been damaged and the causer cannot be found. If you damage your car while parking, this is not parking damage, but is comprehensive accidental damage.

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

No. In the case of a minor accident, filling out an accident report is sufficient. However, if the question of who was at fault is unclear, it’s always advisable to call the police. If someone is injured, you must, by law, inform the police.
In case of a collision with an animal, you must inform the police immediately; if it involves a wild animal, you must inform the responsible game warden immediately.
Who pays for the replacement vehicle during the repair?
If you let us make the arrangements for the repair you can benefit as follows:
- Free replacement vehicle
- Car pickup and delivery service
- Vehicle cleaning after the repair
Certificate of insurance / change of vehicle: How to proceed

Call us and we will send the certificate of insurance directly to the department of motor vehicles by electronic means.
When does my premium rise following a claim?

If you file a liability or full accidental damage claim before September 30, your premium will increase from January 1 of the following year. In the case of claims you file between September 30 and December 31, you will start paying a higher premium only from January 1 of the year after the following year.
What is the minimum contract term?

The minimum contract term is one full insurance year (January 1 to December 31). For example, a contract starting June 1, 2015, could be terminated at the end of December 2016 at the earliest.
When can I use the car pickup and delivery service?

When there's damage to a passenger car that is insured against accidental damage and the car can still be driven.
Where is the car pickup and delivery service available?

In the whole of Switzerland.

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