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.
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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.
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.
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:
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:
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).
The insurance excludes damage or traffic accidents that are caused by you as the driver
Nor is operating damage to the vehicle, such as wear and tear, covered.
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.
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.
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.
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.
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.