What's the difference between partial and comprehensive accidental damage insurance?

Partial accidental damage covers specific types of damage to your car, such as due to theft, glass breakage or natural hazard events. Comprehensive accidental damage includes all these benefits and also covers collision damage caused by you. Both accidental damage coverages are optional and protect your vehicle – the key difference is who caused the damage. Comprehensive accidental damage insurance : includes everything under partial accidental damage and also covers collision damage you cause to your vehicle. Partial accidental damage covers specific types of damage to your car, such as due to theft, glass breakage or natural events. Liability insurance : covers all damage you cause to the property of others. It is mandatory in Switzerland. So comprehensive accidental damage is the more complete solution because it has all the benefits of partial accidental damage plus it covers damage you cause to your own car.

How can I expand my comprehensive accidental damage insurance?

You can expand your protection depending on what coverage you have. Potential add-ons: Parking damage insurance Occupant accident insurance Bonus protection Gross negligence coverage Roadside assistance Replacement car

Which vehicles can be insured with comprehensive accidental damage?

You can insure various types of motorized vehicles under comprehensive accidental damage insurance. These include, for example: Passenger cars Motorcycles Motor homes Electric and hybrid vehicles Comprehensive accidental damage insurance is generally required to lease a vehicle.

What is not covered under comprehensive accidental damage?

While comprehensive accidental damage insurance provides complete protection, there are situations in which the coverage does not apply or only partially applies. Here are some of the situations in which the insurance does not apply: Driving while under the influence : If you have an accident while under the influence of alcohol or drugs or are otherwise unfit to drive, benefits will be reduced or may be completely denied. Serious traffic violations : with deliberate violation of basic traffic rules or excessive speeding, benefits may be denied. Damage resulting from operation : Damage that arises over time or without any violent external influences, such as due to wear and tear, usage errors or defective materials, is not covered. Races and competitive events : Damage that occurs during participation in races or rallies or while driving on race tracks and training circuits is excluded.

What happens if you have a total loss?

Comprehensive accidental damage insurance also pays benefits in the case of a total loss. A total loss is when the repair costs exceed the value of the vehicle or a stolen vehicle is not found within 30 days. The amount of compensation also depends on the agreed type of compensation, for example. Purchase price guarantee : in the first five years after the vehicle purchase, the full purchase price will be reimbursed. Present value supplement : based on the time the vehicle has been in operation, a percentage of the value of the vehicle will be reimbursed, which generally is higher than what pure present value insurance pays out. Present value : compensation is limited to the current present value of the vehicle. AXA will also pay for the costs of recovery and transportation to the nearest suitable repair shop as well as repatriation of the vehicle to Switzerland, if necessary.

Comprehensive accidental damage insurance: Comprehensive protection

Q: How much will my deductible be?

With comprehensive accidental damage insurance, you can choose your deductible – the higher the deductible, the lower your annual premium. You will pay the agreed deductible for each claim.

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The key points about comprehensive accidental damage insurance at a glance

Comprehensive protection: Comprehensive accidental damage insurance includes all the benefits of partial accidental damage while also covering any damage you do to your own vehicle.
Flexibly expandable: Choose your deductible and add-on coverages such as parking damage insurance, bonus protection or replacement vehicle.
Insured even for total losses: Depending on the type of compensation agreed, AXA will indemnify you up to the full purchase price – even in the case of a total loss.

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What is comprehensive accidental damage insurance?

Comprehensive accidental damage insurance protects your own vehicle even if you cause the collision damage yourself. It has all the benefits of partial accidental damage insurance and also covers damage from collisions that you cause yourself.

This is important, for example, if you’re in a parking garage and you scrape a post or hit another vehicle or an obstacle.Comprehensive accidental damage insurance protects you from the financial risks of damage and covers the repair costs of your vehicle.

What are the advantages of AXA comprehensive accidental damage insurance?

A man and a woman are photographing and observing damage from a collision.

Comprehensive protection: Even collision damage you cause to your own vehicle is insured.

A young man is sitting in a vehicle and smiling at the passenger.

High customer satisfaction: We are Switzerland’s no. 1 car insurer.

A woman is inspecting parking damage while phoning.

Parking damage coverage can be included: You can expand your comprehensive accidental damage insurance to cover damage to a parked vehicle.

What does comprehensive accidental damage insurance cover?

As well as all the benefits of partial accidental damage insurance, comprehensive accidental damage insurance includes coverage for all collision damage you cause to your vehicle. Typical examples are:

You cause a rear-end collision and your own car is damaged.
You scrape a post in the parking garage.
You hit a street sign, wall or other obstacle.
You drift out of your lane and your vehicle is damaged.

When is it worthwhile to take out comprehensive accidental damage insurance?

Comprehensive accidental damage insurance is especially worth adding to partial accidental damage insurance for new, leased or especially valuable vehicles. The higher the value of the vehicle, the more important it is to be protected from expensive repair costs for your own car after an accident.

If your older vehicle with a low value is a total loss, then the indemnification will generally be lower too. This is why switching to partial accidental damage insurance can be worthwhile. If you just have partial accidental damage insurance, you will have to pay for the repair costs of your vehicle if you cause the accident yourself.

Your advisor will be happy to help you decide whether you should have comprehensive accidental damage insurance.

Comprehensive vs partial accidental damage insurance

Claim scenario	Partial accidental damage	Comprehensive accidental damage insurance
Hail damage	Yes	Yes
Theft of the vehicle	Yes	Yes
Glass breakage (windshield)	Yes	Yes
Marten bite in cables	Yes	Yes
Accident you caused – damage to your own vehicle	No	Yes

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This is what you should consider when buying comprehensive accidental damage insurance:

Select the right type of compensation for you: Depending on the age of the vehicle, you have various options, such as a purchase price guarantee, present value supplement or present value. The purchase price guarantee is especially good for new vehicles because it will reimburse you for the full purchase price in the initial years.
Choose your deductible wisely: Choose an amount that you will have no problem paying if you have an accident.
Review useful add-on coverages: Expand your protection in a targeted manner with options such as parking damage insurance, bonus protection or gross negligence coverage.
Consider vehicle age: For new or especially expensive cars, comprehensive accidental damage insurance is usually the best choice. How long you need such comprehensive protection is up to you. It depends on your personal risk tolerance, your finances and the value of the vehicle. As the vehicle depreciates in value over time, it’s often a smart idea to switch to partial accidental damage. We will be glad to provide you with a personal consultation to help you find the perfect coverage for you.
Keep up with termination deadlines: Regular termination is possible up to three months before the policy expires. Following a claim, you also have an extraordinary right of termination of 14 days after you have been informed of the payout of benefits.

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FAQ about comprehensive accidental damage insurance

Partial accidental damage covers specific types of damage to your car, such as due to theft, glass breakage or natural hazard events. Comprehensive accidental damage includes all these benefits and also covers collision damage caused by you.

Both accidental damage coverages are optional and protect your vehicle – the key difference is who caused the damage.

Comprehensive accidental damage insurance: includes everything under partial accidental damage and also covers collision damage you cause to your vehicle.
Partial accidental damage covers specific types of damage to your car, such as due to theft, glass breakage or natural events.
Liability insurance: covers all damage you cause to the property of others. It is mandatory in Switzerland.

So comprehensive accidental damage is the more complete solution because it has all the benefits of partial accidental damage plus it covers damage you cause to your own car.

You can expand your protection depending on what coverage you have. Potential add-ons:

Parking damage insurance
Occupant accident insurance
Bonus protection
Gross negligence coverage
Roadside assistance
Replacement car

No. Motor vehicle liability insurance is mandatory in Switzerland. Partial and comprehensive accidental damage are optional add-on coverages.Comprehensive accidental damage insurance is generally required to lease a vehicle.

You can insure various types of motorized vehicles under comprehensive accidental damage insurance. These include, for example:

Passenger cars

Motorcycles

Motor homes

Electric and hybrid vehicles

Comprehensive accidental damage insurance is generally required to lease a vehicle.

Calculate your premium now

There is no general estimate for a premium for comprehensive accidental damage insurance because it depends on various factors, such as the type of vehicle and its age.

Find out how much your premium will cost using our premium calculator.

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While comprehensive accidental damage insurance provides complete protection, there are situations in which the coverage does not apply or only partially applies. Here are some of the situations in which the insurance does not apply:

Driving while under the influence: If you have an accident while under the influence of alcohol or drugs or are otherwise unfit to drive, benefits will be reduced or may be completely denied.
Serious traffic violations: with deliberate violation of basic traffic rules or excessive speeding, benefits may be denied.
Damage resulting from operation: Damage that arises over time or without any violent external influences, such as due to wear and tear, usage errors or defective materials, is not covered.
Races and competitive events: Damage that occurs during participation in races or rallies or while driving on race tracks and training circuits is excluded.

With comprehensive accidental damage insurance, you can choose your deductible – the higher the deductible, the lower your annual premium. You will pay the agreed deductible for each claim.

Comprehensive accidental damage insurance also pays benefits in the case of a total loss. A total loss is when the repair costs exceed the value of the vehicle or a stolen vehicle is not found within 30 days.

The amount of compensation also depends on the agreed type of compensation, for example.

Purchase price guarantee: in the first five years after the vehicle purchase, the full purchase price will be reimbursed.
Present value supplement: based on the time the vehicle has been in operation, a percentage of the value of the vehicle will be reimbursed, which generally is higher than what pure present value insurance pays out.
Present value: compensation is limited to the current present value of the vehicle.

AXA will also pay for the costs of recovery and transportation to the nearest suitable repair shop as well as repatriation of the vehicle to Switzerland, if necessary.