Safely underway Car insurance

Advantages of AXA car insurance

What benefits does AXA car insurance offer?

Liability insurance

Liability insurance is mandatory for every car in Switzerland and is a legal requirement for your car's registration. It covers damage that you as the driver cause to other road users, animals or property. It also defends you against unsubstantiated claims for damages.

• Guaranteed amount CHF 100 million
• Choice of deductible (between CHF 0 and CHF 1000)

Partial accidental damage insurance

Partial accidental damage insurance is voluntary insurance that gives you optimal coverage against the financial consequences of damage to your car. The following are among the damage and risks covered by partial accidental damage insurance:

• Theft
• Malicious damage (e.g. deliberately broken mirrors)
• Damage by natural forces (e.g. hail), fire, snowslides, animals and martens
• Glass breakage (headlights and wing mirrors can be additionally insured)
• Supplementary coverage: transported belongings (e.g. sports bag)
• Optional equipment: free coverage of up to 10% of the vehicle’s list price
• Available as an add-on: roadside assistance throughout Switzerland and Europe

Comprehensive insurance (collision coverage)

With voluntary comprehensive accidental damage insurance you choose comprehensive protection for your car. Together with the benefits of partial accidental coverage, comprehensive accidental damage insurance also covers the damage to your car resulting from a collision. Comprehensive accidental damage insurance covers: 

• All the benefits of partial accidental damage insurance
• Total loss resulting from a rear-end collision
• Damage to the bodywork resulting from a collision with a pillar, street sign or similar

Supplementary coverage with AXA car insurance

Parking damage

Parking damage insurance can be included under your comprehensive accidental damage insurance on request and protects you against damage to your parked car by an unknown vehicle or an unknown person. It makes no difference whether the damage is to the paintwork, the bodywork or elsewhere.

Passenger 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 and gross negligence

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 car insurance premium until it is just 30%. AXA waives its right of recourse and indemnity reductions if a traffic accident or collision is caused through gross negligence.

Replacement car service

The replacement car service covers your travel and transportation costs or a rental car if your car becomes unavailable due to an insured accidental damage or breakdown event.