CHF 100 discount if you take out insurance by September 30, 2022

Safely underway Car insurance

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Additional module: free replacement car for 1 month after total loss
We are there for you even when you’re not at fault
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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.

Purchase advice: 052 244 86 00

Auto insurance benefits

If you want the best protection for your car, AXA offers comprehensive benefits for accidents plus a whole lot more.  In addition to mandatory liability insurance, you can also choose accidental damage coverage – with or without collision – that best suits your needs. And we have add-on policies to round out your ideal coverage. This way, your car is protected and you have peace of mind.

Liability insurance for your vehicle – it’s mandatory

Liability insurance for cars is prescribed by law in Switzerland and you must have it in order to register your vehicle. It covers injury/damage that you as the driver cause to third parties (people, animals or property). The guaranteed amount for car liability insurance is CHF 100 million and you can choose your deductible.

Accidental damage insurance –  better protection for your car

What if you are caught in a hailstorm in your car? Or a deer jumps out in front of you, a rock falls onto your windshield or you accidentally hit a post? Unexpected incidents like these are precisely why you need accidental damage insurance.

Accidental damage without collision

Regardless of whether someone intentionally broke off your sideview mirror or a marten gnawed its way through your car’s wiring, accidental damage without collision covers damage to your vehicle that wasn’t caused by you or by other drivers, such as fire, animal damage, theft or glass breakage. This gives you the best protection so you don't have to worry about any damage to your vehicle.

Accidental damage with collision

You don’t notice the brake lights of the car in front of you until it’s too late, and you end up hitting it. Accidental damage with collision protects you in situations like these. In addition to all the benefits of accidental damage without collision, accidental damage with collision covers damage that you cause to your own vehicle. 

Add-on car insurance

Round out your coverage with our add-on modules. You can insure your parked car or your passengers, for instance. Our bonus protection prevents your premium from going up if you have an accident. And if you total your car, the courtesy car service will provide you with a temporary replacement.

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. In the event of a total loss, you receive a replacement car for a whole month, giving you plenty of time to find a new car without any stress.

Roadside assistance

AXA Roadside Assistance offers you so much more than just towing. We will organize and pay for a rental car or repatriate your car and pay for your meals and hotel room. And we will make sure that you are back on the road within one hour. 

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. With the Safe Driver Bonus, they can benefit from a 15% discount.

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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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