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Old 04.09.2019, 21:27
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The_Love_Doctor The_Love_Doctor is offline
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Re: car hire insurance

Im switching to AXA. I already have the personal liability insurance cover with them and for around CHF50 a year they reduce the deductible / excess to CHF200.-

It covers rental cars and car sharing.

Info from their GIC below.

Quote:

C2 Use of car sharing and rental vehicles

C2.1 Insured liability claims

The insurance covers the liability of an insured person as the driver/pilot (but not as a passenger) of third-party motor vehicles up to 3.5 tonnes, watercraft and aircraft which are used in return for payment or are made avail- able by a club, association or the employer.

C2.2 Insured vehicles

The insurance covers motor vehicles of up to 3.5 tonnes, watercraft and aircraft (jointly referred to below as vehi- cles) which are used by the insured persons with liabil- ity insurance prescribed by law:
which are rented or used in the context of (car) shar- ing;
which are made available by the employer for private use;
which are made available by a club or an association. The driver/pilot must be a member of the club or asso- ciation. In this case, the insurance also covers vehicles without legally prescribed liability insurance.
In the absence of legally prescribed liability insurance, AXAs obligation to indemnify ceases to apply in its en- tirety.
The insurance does not cover:
vehicles registered in the name of an insured person
or a person living in the same household as the in-
sured person;
vehicles that are used in the interest or on behalf of
the employer, or which are used for a professional
activity;
vehicles of the motor vehicle industry (e.g. replace-
ment vehicles);
vehicles leased by an insured person.

C2.3 Insured benefits

The insurance covers:
liability insofar as the claims are not insured by the lia-
bility insurance for the vehicle (subsidiary coverage). In the absence of legally prescribed insurance, AXAs obligation to indemnify ceases to apply in its entirety;
loss of bonus from legally prescribed liability insur- ance. The deductible from the liability insurance and any gross negligence recourse vis--vis the driver/pilot are not covered;
liability for damage to the vehicle not resulting from a C4 collision (e.g. damage while loading the vehicle, mis-
fuelling, damage due to soiling of a seat);

C2.4 Exclusions

In addition to the exclusions as per B5, liability for the following types of damage is not covered:
damage to goods for relocation transported by a mo-
tor vehicle of up to 3.5 tonnes, watercraft or aircraft;
operational damage to the vehicle, especially damage without a violent external effect or due to an internal
defect (e.g. missing or frozen liquids, operating errors, C5 faulty or fatigued materials, wear and tear, excessive
use, malfunction of electric or electronic compo-
nents).
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