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Car insurance

Is your car your pride and joy, or just a means of getting from A to B? Whichever applies to you, it'll certainly have the best insurance with us. Calculate your premium online – You keep your advisor even when you purchase from us online.

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Advantages of AXA car insurance

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

Purchase advice: 0800 800 501

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:

  • 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 (headlights and wing mirrors can be additionally insured)
  • Transported belongings (e.g. sports bag)
  • Extras: Free coverage of up to 10% of the vehicle's list price

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.

Breakdown assistance

You benefit from free breakdown assistance throughout Europe. The assistance ensures you will get from A to B even if you break down. 

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.

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Save on your premiums now – for anyone under 26

Young drivers between 18 and 25 have the opportunity to make big savings on their car insurance premiums with AXA. Installation of the free DrivePartner results in a discount of 15%.

Examples of damage/loss

Driving into the garage with roof rack

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. Fortunately, Franziska has taken out car insurance with AXA.

  1. Statement of costs
  2. Accidental damage
  3. Chassis damage to the car roof CHF 3,456
  4. Damaged roof rack CHF 155
  5. Bicycle CHF 1,250
  6. Liability claims
  7. Damage to garage entrance CHF 365
  8. Grand total damage/loss CHF 5, 226
  9. Franziska's deductible CHF 1,000
  10. Compensation by AXA CHF 4, 226
Accident due to black ice

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. AXA car insurance covers the damage.

  1. Statement of costs
  2. Accidental damage (for Dominic's car)
  3. Towing CHF 350
  4. Total damage/loss CHF 25,926
  5. Liability claim (for the other car)
  6. Towing CHF 350
  7. Total damage/loss CHF 31,654
  8. Grand total damage/loss CHF 58,280
  9. Dominic's deductible CHF 1,000
  10. Compensation by AXA CHF 57,280

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