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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) do to a third party with your car. 
  • Accidental damage covers physical 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) and full accidental damage (partial accidental damage plus damage that you cause).
  • Add-ons for your individual protection: round off your insurance cover with attractive benefits such as damage to a parked vehicle, bonus protection or roadside assistance including onward travel.

Telephone consultation on car insurance: 052 244 86 00

Flexible choice of car insurance benefits

Are you wondering how you should insure your car? At AXA, you decide individually what is insured and what is not. Put together your insurance made up of liability and accidental damage (partial or comprehensive accidental damage) as well as many other benefits according to your needs.

Here's how car insurance works

Image description: AXA car insurance online, car liability insurance, partial and comprehensive accidental damage, free choice of supplementary cover for car insurance.

 Calculate your car insurance premium now and take out a policy with just a few clicks:

Car liability insurance: for damage that you cause to others.

Car liability insurance is compulsory by law in Switzerland and is a requirement for your vehicle's registration. It covers damage that you as the driver cause to third parties (people, animals or property).

  •  Optional: insure damage to your own property (e.g. collision with second car or garage door)

Accidental damage insurance: for damage to your vehicle

Insure damage to your vehicle with accidental damage. You decide whether to choose partial or comprehensive accidental damage (partial accidental damage including collision) and choose other benefits in line with your needs.

Partial accidental damage insurance

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

  • Theft including car hacking (e.g. abuse of keyless system) and misappropriation
  • Glass breakage to windshield, rear and side windows
  • Natural hazards (hail, rockfall etc. ) plus fire or lightning strike
  • Damage caused by martens and rodents as well as by collision 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 after collision with another car, pillar etc.

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

  • Parking damage insurance covers damage to your parked vehicle caused by unknown persons or vehicles. It makes no difference whether the damage is to the paintwork, the bodywork, or elsewhere.
  • Damage to headlights and side view mirrors
  • Flat tires or scratches on the rims
  • Personal belongings in the vehicle such as laptops, smartphones etc. damaged in a vehicle collision or stolen from the vehicle.
  • Loss and damage of vehicle keys including remote control and keyless access systems

Services and add-ones for car insurance

Our car insurance is just as individual as you. You are free to choose the following services and add-ons for liability insurance, 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: bonus protection guarantees that you don’t lose the discount on your insurance premium in the event of an accident. Claims-free driving leads to a reduction in your car insurance premium until it’s just 30 percent of the original amount. 
  • Roadside assistance including onward travel: we organize and pay for breakdown assistance and your direct journey home or pay up to CHF 500 per person to continue your trip.
  • Replacement vehicle: while repairing your car, regardless of whether this is after insured damage or a breakdown, we'll cover the cost of a replacement car. 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 supplement 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 support you if there are any disputes about your vehicle. For example, if you’d like to contest the excessive bill you’ve received from your car garage.
  • Injury to you and your passengers: our accident insurance supports you financially if the driver or passengers are injured or killed. The benefits of existing accident insurance are increased through this (e.g. private ward).
  • Free comprehensive servicewe're here for you, even if you’re not at fault, which means you don’t have to deal with the other party. We organize the claim for you and assert your rights.

Switch to AXA car insurance now because...

  • 1

    ... We will reward you for your loyalty with unlimited bonus protection.

  • 2

    ... you'll save money thanks to our repair bonus, no claims discount for safe driving and our safe driver bonus for young drivers.

  • 3

    …if required, we'll always take care of you personally thanks to the most extensive agency network in Switzerland.

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Help and FAQ on car insurance

  • What isn't covered by car insurance?

    Situations that arenot covered include damage or traffic accidents that you as the vehicle driver have caused

    • under the influence of alcohol (blood alcohol level above the statutory permitted per mil. threshold)
    • while unfit to drive or
    • with particularly gross disregard for the maximum permitted speed limit (according to Road Traffic Act),
    • without the necessary driver's license or while driving without official authorization

    as well as damage to the vehicle resulting from operation such as wear and tear.

  • 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.

  • What’s covered under parking damage?

    Parking damage occurs when you discover that your parked car has been damaged and the person who caused it can’t be found. This is additional insurance that you can add to your car insurance.

    If you damage your car while parking, this is not deemed to be parking damage but is instead covered by. 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 statement. 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.

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