Hail damage? Storm damage?
Key points at a glance
- For everyone who rents a car for vacation: Our Rental car deductible add-on module steps in when the rental car is damaged, stolen or in a collision.
- Protection against high deductibles: We cover the costs of the deductible when you have problems with your rental car (up to max. CHF 10,000).
- Comprehensive dual coverage when you travel: Our rental car insurance (Rental car deductible add-on module) can be purchased together with a travel insurance basic module.
What does AXA rental car insurance offer?
Rental car companies generally require you to pay a deductible if you’re in an accident. When you take out our rental car insurance (Rental car deductible add-on module for Intertours travel insurance), we will pay this deductible for you – up to CHF 10,000. This way you can travel where you want in the world worry free.
What is insured?
We cover the deductible agreed on in the rental contract. Theft of, accidents involving and damage to the rental vehicle are all covered.
Who is insured?
Everyone who is listed in the travel insurance policy and who is legally permitted to drive a vehicle is covered.
What vehicles are insured?
Passenger cars, motorcycles, recreational vehicles, delivery vans, minibuses and trailers that are approved for the insured vehicle.
What is not insured?
The insurance does not cover the deductible for liability claims against third parties, among other things. In this case, you can supplement AXA personal liability insurance with the Car sharing and rental vehicles add-on.
Please note: Rental car insurance is an add-on module to supplement our Intertours travel insurance. The Rental car deductible add-on module cannot be purchased separately. It must be purchased together with at least one of our travel insurance basic modules.
Need help buying insurance? Call us at 052 244 86 12
Add to your liability insurance
If you regularly rent cars or use car sharing as part of a vehicle subscription service in Switzerland, you can add rental car and car sharing coverage to your personal liability policy . This way you lower your deductible and have comprehensive day-to-day protection.
Claim scenario
Accident with a rental car
Anna and Martin are honeymooning on Lake Como. Martin scrapes his rental car against the wall of a house while negotiating the narrow streets of a small town. The result: a big scratch across the front-side passenger door.
- Breakdown of costs
- Deductible for rental car insurance CHF 3,000
- Deductible CHF 0
- Compensation paid by AXA CHF 3,000
FAQs about rental car insurance
Why do I need rental car insurance?
If you don’t take out extra coverage for your rental car, you will have to pay for any damage to the vehicle. Car rental companies generally offer optional comprehensive accidental damage. This increases the price of your rental somewhat, but if you have an accident, you don’t have to pay anything extra – except for the rental car insurance deductible.
As is always the case – the higher the deductible, the lower the premium. If you have your own extra coverage which pays for the rental car deductible, then you can agree on a very high deductible with the rental agency so you can rent the car for less.
Our Rental car deductible add-on module protects you against paying for expensive deductibles. This add-on module can be purchased together with at least one of the basic modules for our travel insurance .
Does the Rental car deductible add-on module also cover car sharing?
The Rental car deductible add-on module from AXA Intertours covers incidents involving rental vehicles while on a trip or on vacation in Switzerland or anywhere else in the world. So if you rent a vehicle through car sharing one time to go on vacation, then it’s covered.
But if you have a car sharing subscription for longer term use, then damages are not covered by this add-on module.
Our recommendation: If you regularly rent cars in Switzerland or abroad or use a car subscription, then you should add Rental car and car sharing coverage to your personal liability policy .
How can I protect myself against expensive deductibles for car sharing subscriptions?
If you cause an accident with a vehicle from a car sharing subscription, you will have to pay some of the claim amount due to the high deductible. And it can easily cost you thousands of francs, depending on the provider.
AXA Rental car and car sharing coverage that you can add to your personal liability policy gives you the option of reducing the deductible to CHF 200 in the event of a claim.
The Rental car and car sharing add-on coverage for personal liability policies insures you worldwide for:
- Damage to cars you rent or use as part of a car sharing subscription.
- Damage to vehicles provided by your employer for private use.
- Damage to aircraft or watercraft that you have rented, such as a motorboat while on vacation.
- Damage to motor vehicles, watercraft or aircraft provided by a club or an association of which you are a member, such as a rowing club.
Does personal liability cover damage to rental cars?
As a rule, personal liability does not provide liability coverage for rental vehicles. Nor does your personal liability insurance pay for any damage you cause to your rental car.
With AXA, however, you can add Rental car and car sharing coverage to your personal liability policy . This add-on coverage insures you against expensive deductibles, among other things. It also steps in if you’ve injured someone or if you damage something in the rental vehicle.
Third-party driver claims: What needs to be done in the event of a claim?
Do you sometimes drive other people’s vehicles? Our Claims Service site tells you what you need to do if you have to file a claim.
- How is damage to rental cars or car sharing vehicles insured?
- What information is important for claims handling?
- Who arranges for the repairs?
- What is insured?
- Who pays for the repairs?
