A mishap can happen quickly – protect you and your family from the financial consequences.
Purchase advice: 0800 800 501
Personal liability insurance protects you and the members of your family from claims for personal injury or property damage that you cause to others, and protects you against unsubstantiated claims.
Pascal is in a hurry and strikes a pedestrian with his bicycle. She falls and injures her leg.
Just a moment of absentmindedness, and Anja knocks a vase of flowers and its contents onto the floor of her rented apartment. A major portion of the parquet floor (solid wood) needs replacing.
Diana is tired after a day trip and crashes her colleague's car (no comprehensive accidental damage coverage) into the wall of her house. No injuries, just lots of bodywork damage.
In rental relationships, the landlord often requires replacement of the closing cylinder if the house keys are lost. If this is justified, AXA pays for the replacement of the closing cylinder. If it is easy to determine the address, e.g. when the handbag is stolen, the claim is justified.
Yes, provided its pedal assistance does not exceed 25 kph and its motor has no more than 500 watts in output. Such e-bikes count as normal bicycles.
E-bikes with more powerful motors fall under motor-assisted bikes and must have a license plate. Please contact your department of motor vehicles for further information.
No, as you live in the same household, this damage is not covered. If you have household contents insurance from AXA with supplementary coverage for luggage, sports and leisure equipment, the damage is covered under this policy.
Yes, as the keeper of an animal you are insured for damage caused by your pet to a person, another animal or an object.
1. Report the damage to the motor vehicle insurance, which will cover the repairs.
2. Report the damage to your liability insurance, which will pay the loss of bonus caused by the claim.
Report the damage to your liability insurance, which will cover the repairs. The personal liability insurance OPTIMA includes "use of third-party vehicles," whereas this is covered by supplementary insurance with a BASIC personal liability policy.
Ideally, you should let us know before you hand over the apartment. Our Claims Service will discuss with you how to proceed.
If you cannot clarify the matter in advance, complete the handover protocol together with the landlord. All defects must be recorded in the protocol. Subsequently send us the protocol so that we can pay for the insured damage and protect you against any unsubstantiated claims.
No, but if, for example, you cause an accident involving another family's breadwinner, you will be held liable for this person's loss of earnings plus the cost of their treatment. This could ruin you financially unless you have insurance.
Personal liability insurance also protects you against any unsubstantiated financial claims you may face.
Yes. If you take out insurance and include additional persons who live in the same household, AXA will count the following as a family member: