AXA Winterthur car insurance

Below you can find information on the car insurance offered by AXA Winterthur. It is divided into product characteristics, information about the insurance company, customer satisfaction and forum posts.
 

Products from AXA Winterthur

BASIC

Liability insurance
Insurance against liability claims resulting from the provisions of the road traffic laws.


Liability insurance endorsements
None


Comprehensive insurance
If the replacement value endorsement is included in the policy, compensation in the event of a total loss is rather low compared to other offerings.


Partial casco
Damage due to theft, natural hazards, glass breakage (windows), fire, snow slide, collision with animals, martens, vandalism (including graffiti on paintwork, but not deliberate scratching).


Collision casco
Covers damage due to collision.


Comprehensive insurance endorsements
None


Occupants insurance
Insurance available for lump sum death and disability benefits including the cost of rescue missions. 25% increase of benefits in the event of disability or death if the policyholder was wearing a seatbelt at the time of the accident.


Specifics

  • Any repairs of damage covered by casco insurance may only be carried out by one of your insurer's contract garages
  • Liability insurance may only be taken out in combination with a casco insurance
  • Transferable number plates cannot be insured
  • After consultation with the insurer and if the mechanic deems it reasonable, equivalent non-OEM (or aftermarket) spare parts may be used for repair instead of branded (or OEM) parts
 

BASIC Plus

Liability insurance
Insurance against liability claims resulting from the provisions of the road traffic laws.


Liability insurance endorsements
Bonus protection can be insured for one claim per year.


Comprehensive insurance
If the replacement value endorsement is included in the policy, compensation in the event of a total loss is rather low compared to other offerings.


Partial casco
Damage due to theft, natural hazards, glass breakage (windows), fire, snow slide, collision with animals, martens, vandalism (including graffiti on paintwork, but not deliberate scratching), personal effects up to CHF 2000, loss of use.


Collision casco
Covers damage due to collision.


Comprehensive insurance endorsements

  • In combination with collision casco: insurance for damage while parked up to a maximum of CHF 1000
  • Bonus protection can be insured for one collision claim per year

Occupants insurance
Covers lump sum death and disability benefits, daily allowances for a hospital stay or loss of ability to work and treatment costs. 25% increase of benefits in the event of disability or death if the policyholder was wearing a seatbelt at the time of the accident.


Specifics:

  • Any repair of damage covered by partial coverage or fully comprehensive insurance may only be carried out by one of your insurer's contract garages. However, free choice of garages is available as an endorsement for an extra charge
  • Breakdown assistance (throughout Switzerland) is automatically included
 

BASIC Crash Recorder

Special conditions
30 days after conclusion of the policy, AXA Winterthur will install a crash recorder in your vehicle for free. This device records the data required for the reconstruction of a possible accident. In case of doubt, you can thus prove that you are in the right.


Liability insurance
Insurance against liability claims resulting from the provisions of the road traffic laws.


Liability insurance endorsements
None


Comprehensive insurance
If the replacement value endorsement is included in the policy, compensation in the event of a total loss is rather low compared to other offerings.


Partial casco
Damage due to theft, natural hazards, glass breakage (windows), fire, snow slide, collision with animals, martens, vandalism (including graffiti on paintwork, but not deliberate scratching).


Collision casco
Covers damage due to collision.


Comprehensive insurance endorsements
None


Occupants insurance
Insurance available for lump sum death and disability benefits including the cost of rescue missions. 25% increase of benefits in the event of disability or death if the policyholder was wearing a seatbelt at the time of the accident.


Specifics

  • During 30 seconds, the crash recorder records all important data that are required to quickly and objectively reconstruct the course of events leading up to an accident. 18- to 25-year-old drivers are therefore granted a premium discount of 15%
  • Any repairs of damage covered by casco insurance may only be carried out by one of your insurer's contract garages
  • Liability insurance may only be taken out in combination with a casco insurance
  • Transferable number plates cannot be insured
  • After consultation with the insurer and if the mechanic deems it reasonable, equivalent non-OEM (or aftermarket) spare parts may be used for repair instead of branded (or OEM) parts
 

COMPACT Plus Crash Recorder

Special conditions
30 days after conclusion of the policy, AXA Winterthur will install a crash recorder in your vehicle for free. This device records the data required for the reconstruction of a possible accident. In case of doubt, you can thus prove that you are in the right.


Liability insurance
Insurance against liability claims resulting from the provisions of the road traffic laws.


Liability insurance endorsements
Bonus protection can be insured for one claim per year.


Comprehensive insurance
If the replacement value endorsement is included in the policy, compensation in the event of a total loss is rather low compared to other offerings.


Partial casco
Damage due to theft, natural hazards, glass breakage (windows), fire, snow slide, collision with animals, martens, vandalism (including graffiti on paintwork, but not deliberate scratching), personal effects up to CHF 2000, loss of use.


Collision casco
Covers damage due to collision.


Comprehensive insurance endorsements

  • In combination with collision casco: Coverage for damage while parked up to a maximum of CHF 1000
  • Bonus protection can be insured for one collision claim per year

Occupants insurance
Covers lump sum death and disability benefits, daily allowances for a hospital stay or loss of ability to work and treatment costs. 25% increase of benefits in the event of disability or death if the policyholder was wearing a seatbelt at the time of the accident.


Specifics:

  • During 30 seconds, the crash recorder records all important data that are required to quickly and objectively reconstruct the course of events leading up to an accident. 18- to 25-year-old drivers are therefore granted a premium discount of 15%
  • Any repair of damage covered by partial coverage or fully comprehensive insurance may only be carried out by one of your insurer's contract garages. However, free choice of garages is available as an endorsement for an extra charge
  • Breakdown assistance (throughout Switzerland) is automatically included
 

Information about the insurance company

Insurance carrier
AXA Insurance Ltd
Head office
Winterthur

Customer satisfaction with AXA Winterthur

5.4 Competence and commitment of employees
5.2 Comprehensibility and clarity of customer information
5.3 Insurer's availability
4.7 Satisfaction with amount of premium
5.5 Handling of claims
5.2 Overall judgement

Experiences and questions regarding AXA Winterthur in our forum

None

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