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Old 22.10.2011, 20:06
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Zurich vs AXA Winterthur Car Insurance

Hi All,

I have car insurance offer from these guys (identical covers) and i cant decide which one to pick.

Is anyone here insured with these guys? If so, i would really appreciate if you can share your personal experience with them.

Any comment or suggestions are also welcome.

Thanks in advance.
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Old 22.10.2011, 20:07
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Re: Zurich vs AXA Winterthur Car Insurance

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Hi All,

I have car insurance offer from these guys (identical covers) and i cant decide which one to pick.

Is anyone here insured with these guys? If so, i would really appreciate if you can share your personal experience with them.

Any comment or suggestions are also welcome.

Thanks in advance.
The cheaper one, you could ask Zurich Direct, they will communicate 100% in English & undercut Zurich
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Old 22.10.2011, 20:14
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Re: Zurich vs AXA Winterthur Car Insurance

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The cheaper one, you could ask Zurich Direct, they will communicate 100% in English & undercut Zurich
Thanks for your reply.

But aren't Zurich and Zurich Connect the same company?
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Old 22.10.2011, 20:21
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Re: Zurich vs AXA Winterthur Car Insurance

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Thanks for your reply.

But aren't Zurich and Zurich Connect the same company?
Same company with different prices, no broker commission with Connect. ZH just put up my premium mid contract, ZH connect was cheaper than my original premium & for the first time in 17 years everything is in English.
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Old 22.10.2011, 20:37
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Re: Zurich vs AXA Winterthur Car Insurance

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Same company with different prices, no broker commission with Connect. ZH just put up my premium mid contract, ZH connect was cheaper than my original premium & for the first time in 17 years everything is in English.
I went quickly to their site and requested a quote with the following covers.

Acc. damage
Insured benefits
Type of insurance
Location of repair in the event of loss/damage Full accidental damage
coverage
Current value supplement
in accordance with C
3.321 GIP
Free choice of garage
Collision Insured
Deductible per event in CHF 1'000
Bonus protection and gross negligence(in accordance with A 8.2 GIP). Insured
Partial acc. damage 0
Deductible per event in CHF
Indemnification type
Insured benefits
- Theft
- Natural forces
- Fire damage
- Snow slide
- Animal damage
- Marten damage
- Malicious damage
- Glass breakage
- Transported belongings in CHF Insured
- Loss of use, in CHF Insured
Insured
Insured
Insured
Insured
Insured
Glass breakage Plus (all
Glass)
5,000
not insured
Parking damage Insured
Insured benefits
Type of insurance
Deductible per event, in CHF
All other events listed under C 1 GIP are not insured.
Plus (comprehensive
option)
0
Mobility
Insured benefits
AXA Insurance Ltd.
Mobility Plus (= Europe)

Axa Offers me Sfr 1505 for the full year

Zurich offers me Sfr 1599 for the full year

Whereas Zurich Connect 2256?
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Old 22.10.2011, 20:47
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Re: Zurich vs AXA Winterthur Car Insurance

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I went quickly to their site and requested a quote with the following covers.

Acc. damage
Insured benefits
Type of insurance
Location of repair in the event of loss/damage Full accidental damage
coverage
Current value supplement
in accordance with C
3.321 GIP
Free choice of garage
Collision Insured
Deductible per event in CHF 1'000
Bonus protection and gross negligence(in accordance with A 8.2 GIP). Insured
Partial acc. damage 0
Deductible per event in CHF
Indemnification type
Insured benefits
- Theft
- Natural forces
- Fire damage
- Snow slide
- Animal damage
- Marten damage
- Malicious damage
- Glass breakage
- Transported belongings in CHF Insured
- Loss of use, in CHF Insured
Insured
Insured
Insured
Insured
Insured
Glass breakage Plus (all
Glass)
5,000
not insured
Parking damage Insured
Insured benefits
Type of insurance
Deductible per event, in CHF
All other events listed under C 1 GIP are not insured.
Plus (comprehensive
option)
0
Mobility
Insured benefits
AXA Insurance Ltd.
Mobility Plus (= Europe)

Axa Offers me Sfr 1505 for the full year

Zurich offers me Sfr 1599 for the full year

Whereas Zurich Connect 2256?
Send them an email, they will undercut ZH for sure, something is wrong with the quote, I think, they can probably even see the other quote.
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Old 22.10.2011, 22:24
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Re: Zurich vs AXA Winterthur Car Insurance

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Send them an email, they will undercut ZH for sure, something is wrong with the quote, I think, they can probably even see the other quote.
I'll give them a call on Monday.
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Old 23.10.2011, 08:03
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Re: Zurich vs AXA Winterthur Car Insurance

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Hi All,

I have car insurance offer from these guys (identical covers) and i cant decide which one to pick.

Is anyone here insured with these guys? If so, i would really appreciate if you can share your personal experience with them.
Just as in other countries, rates will vary depending on circumstances. We changed one of our cars earlier this year (from Pug 206cc to Audi TT) and were not totally surprised that the premium went up significantly with the existing insurer (ZH). What was a surprise was that a quote from Axa, for identical cover, was something like 40% cheaper (~1400 compared with 2200). On the other car I've stuck with ZH for the moment, as they're about the same price, so it's clearly something to do with the specific model.

As for Zurich vs Zurich connect, I've always found them to be identical. IIRC we had one policy with each, just by chance. Every time I've done comparisons they've come out just the same.
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