Third-party driver claims

• How did the damage occur (origin of loss)?
  
• Who was driving the vehicle? Was it you who was driving, or a family member or person who lives in the same household as you and also has liability insurance through you?
• Who does the vehicle belong to, or who has registered and insured it (keeper of the vehicle)? Private individual or employer? Please state full name and address.
  
• Where, and with which company, is the vehicle insured? Is there comprehensive accidental damage insurance (i.e. with collision cover) or accidental damage insurance without collision cover?
• How often do you drive the third-party vehicle, and for how long in each case (period of time)?

If the required information and documentation is not yet complete when making your insurance claim, you can send them to us later. 

Please note: In the event of an accident, the keeper of the vehicle must notify their insurer of the damage caused. The insurer will first of all process and settle the claim, before billing the costs to you/AXA.  

The instructions for the repair must always be given by the keeper of the vehicle, as the damaged vehicle is their property;  this must be after consultation with the relevant accidental damage insurer, if there is one.

Settlement of a claim and costs always involves a certain degree of interplay between the various insurers involved: between us – your liability insurer  for third-party driver damage – and the motor vehicle liability policy or accidental damage insurance policy of the keeper of the vehicle.

Example: “You drive into a garden fence”

Car repair

AXA pays the following costs:

• With accidental damage insurance: deductible and any loss of bonus under the accidental damage insurance
• No accidental damage insurance: the entire cost of the repair

Garden fence

The costs are apportioned as follows:

• Motor vehicle liability insurance for the borrowed vehicle; repair costs incurred  
• AXA: potential loss of bonus under the motor vehicle liability insurance of the keeper of the vehicle  

Please note: The deductible from the motor vehicle liability insurance of the keeper of the vehicle is not insured. This must be paid by you or by the keeper of the vehicle themselves. 

Exclusions – the costs payable by you/the keeper of the vehicle  

The following, for example, are not covered by the insurance:

• Operational damage, engine damage, damage caused by wear and tear or operating errors (e.g. filling the fuel tank with the wrong fuel such as unleaded rather than diesel – optional supplementary insurance)
• Damage to vehicles of persons living in the same household as you (e.g. partner, children)
• Damage to vehicles belonging to the motor trade (e.g. courtesy car provided by your garage)

You'll find specific information about your insurance cover at any time in the General Insurance Conditions (GIC) – the easiest way to do this is in the customer portal myAXA. 

Damage to rental cars or vehicles (including watercraft) used by multiple persons on a shared basis (car sharing) can be covered via rental car and car-sharing insurance. There is no insurance cover for this under your “normal” liability insurance for third-party driver damage. Costs are apportioned based on similar criteria to those applicable to privately loaned vehicles.

Example: “You knock over a mail box”

Car repair

AXA pays the following costs:

• With accidental damage insurance: deductible and any loss of bonus under the accidental damage insurance
• No accidental damage insurance: the entire cost of the repair or the maximum amount agreed us with when you took out your contract.

Mail box

The costs are apportioned as follows:

• Motor vehicle liability insurance of the vehicle; repair costs incurred  
• AXA: any loss of bonus under the relevant motor vehicle liability insurance

Please note: The deductible from the motor vehicle liability insurance of the keeper of the vehicle is not insured. This must be paid by you or by the keeper of the vehicle themselves. 

Check your policy and the corresponding General Insurance Conditions in the customer portal myAXA.

Note: Courtesy cars provided by garages are not treated as rental cars. Damage to vehicles owned by the motor trade is not normally covered. The garages themselves must pay any costs. This also applies to test drives.