Policy for my car insurance 4.

8/5 stars
AXA motor vehicle insurance
Based on 35'617 customer reviews

Policy no. 22.670.107 "OPTIMA" motor vehicle insurance

Your address Mr.

Borislav Vulic
Neue Simplonstrasse 40
3900 Brig

Your vehicle Hyundai Tucson 1.6 CRDI Origo 4WD / VS 557970

Contract data Start: 26.01.2024

End: 30.06.2027
Payable: Quarterly
Premium due on: 01.07. (principal due date),
then every 3 months

Repair shop AXA authorized repair shop

Since you enjoy a premium discount, you must have your vehicle repaired at a repair
shop authorized by AXA. So you should contact AXA each time before making any
repairs: AXA.ch/claim or 0800 809 809.

Overview of premiums

Insurance Premium in CHF

Liability: Damage caused by your vehicle 311.70

Comprehensive accidental damage: Damage to your vehicle 998.62

Services and add-ons 443.09

Statutory fees1 92.06

Surcharge for quarterly payment 51.49

Total annual premium 1,896.96

Total quarterly premium 474.24
1Statutory fees: Stamp tax 5% (for all agreed insurance benefits except for "Injury to you and your passengers"); accident prevention fee 0.75% (for
liability); fee pursuant to Art. 76a of the Swiss Road Traffic Act CHF 4.20 (for liability)

Discounts applied
- Term discount 3% off entire premium
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- Repair bonus 15% for modules with repair bonus

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Insured vehicles and drivers

Information about your vehicle

Make / model Hyundai Tucson 1.6 CRDI Origo 4WD

License plate VS 557970
Vehicle type Passenger car
Motor type Diesel
Registration number 682691839
Date of initial registration 03.2019
Purchase year 2023
Catalog price (including VAT) CHF 35,400
Optional equipment and accessories CHF 3,500
HP 136
Number of seats 5
Displacement 1,598 ccm
Kilometers per year up to 10,000
Leasing No
Special use (e.g. taxi, rental car, driving school, courier or
No
delivery service)
Overnight in a garage (single garage, underground garage,
Yes
no carports)

Your information about the driver(s)

Main driver
First name, last name Borislav Vulic
Zip code, town/city 3900 Brig
Date of birth 04.07.1989
Gender Male
Nationality Serbia

Additional information
Do people under age 25 occasionally or regularly drive the
No
vehicle?

Good to know: Your motor vehicle insurance is valid regardless of who is driving the vehicle. This is why you do not
need to list other drivers here separately (even if they are under 25 years of age).
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Insured benefits

Liability: Damage caused by your vehicle

Benefits Deductible Net premium

in CHF in CHF

Damage to others (mandatory) insured 311.70

Damage that you cause with the insured vehicle to CHF 100 mn
other persons or property.
No claims level: 30%
Drivers aged 25 and up 0
Drivers under the age of 25 3,000

Damage to your own property not insured

Damages that you cause with your insured vehicle
to your own property or the property of other
members of your household (e.g. collision with two
vehicles, garage door etc.).

Premium overview for liability: Damage caused by your vehicle 311.70

counter 0 setzen

Comprehensive accidental damage: damage to your vehicle

Benefits Deductible Net premium
in CHF in CHF

Damage caused by you (collision) insured 405.00

Insurance covers damage caused by a collision with
another vehicle or object (e.g. colliding with a pole).
No claims level: 30%
Drivers aged 25 and up 1,000*
Drivers under the age of 25 5,000*

Damage caused by natural hazards, animals and insured 0* 206.12

unknown persons (partial accidental damage)
Insurance covers damage caused by the following:
- Theft, including car hacking
- Misappropriation
- Glass breakage on windshield, side and rear
windows
- Natural hazard events (hail, etc.)
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- Fire
- Martens or rodents
- Collision with animals
- Malicious damage (excluding scratches)

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 Damage to parked vehicle insured 0* 316.30
Insurance covers dents and scratches on your own
parked vehicle that were caused by unknown
persons or vehicles.

Headlights and side view mirrors insured 0* 46.60

Insurance covers headlights and all side view
mirrors if they are damaged by external causes.

Vehicle Interior not insured

The insurance covers unforeseen and sudden
damage to, destruction or heavy soiling of all parts
of the vehicle interior due to external impact (e.g.
spillage of drinks, rips in car seats).

Tires and rims not insured

Insurance covers tires and rims if they are damaged
by external causes (e.g. tire blowout or scratches
on the rims).

Personal belongings in the vehicle insured 0 24.60

Insurance covers personal belongings in the vehicle CHF 2,000
that are damaged when the vehicle is damaged or
which are stolen from a locked vehicle.

Loss of and damage to vehicle keys not insured

Insurance covers the costs for replacing keys,
including the costs necessary for changing out the
locks.

Premium overview for comprehensive accidental damage: damage to your vehicle 998.62

*Module with repair bonus: AXA can recommend authorized repair shops near you. If you choose a different repair shop,
your deductible will increase by CHF 500.
counter 0 setzen

Insured value of a vehicle that is a total loss

Option you have selected

Present value supplement - 100 % in the first two years of operation, significantly more than the present
value thereafter

Purchase price guarantee - 100 % over five years from the day the vehicle is purchased
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 counter 0 setzen

Services and add-ons

Benefits Deductible Net premium

in CHF in CHF

Gross negligence insured 47.53

Benefits are not reduced for damage caused by
gross negligence (such as driving through a red
light).

Bonus protection insured 175.89

Your premium will not increase if you file a claim. 1 claim/year
This means your no claims level is not affected.

Roadside assistance including onward travel insured 0 67.39

If the insured vehicle breaks down as a result of a Europe
breakdown, collision or damage resulting from a
natural hazard, animals or unknown persons
(partial accidental damage), AXA will organize and
pay for the roadside assistance as well as direct
transportation home or onward travel so you can
continue your trip.
Maximum benefit per event CHF 10,000
This includes:
- Additional costs for onward travel CHF 500/person
- Additional costs for accommodation and meals CHF 500/person

Replacement vehicle insured 0 97.60

We will pay for a replacement vehicle up to the
insured amount.
- For a total loss CHF 2,000
- During a repair CHF 2,000

Vehicle legal protection not insured

Legal support for disputes regarding your insured
vehicle, e.g. revoked license, contractual disputes,
damage and personal injuries resulting from an
accident.

Injury to you and your passengers insured 54.68

Insurance covers injuries resulting from an accident
with the insured vehicle. This results in enhanced
benefits from existing accident coverages (e.g.
private room).
Medical expenses in a private room 5 years
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- Hospital indemnity CHF 20/day

- Daily benefits not insured
- Disability CHF 50,000
- Death CHF 10,000

Premium overview for services and add-ons 443.09

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 Free services and savings options

Comprehensive service if you are involved in an accident that was caused by a third included
party
If you are involved in an accident that was caused by someone else, we are here to help
you file your claim for damage to your vehicle. Only AXA always offers this service
completely free of charge.

Repair bonus included

You enjoy a premium discount of 15% on modules with a repair bonus if you have your car
repaired at one of AXA's authorized repair shops. Our recommended repair shops provide
top-quality repairs with a lifetime guarantee. If you choose a different repair shop, your
deductible will increase by CHF 500.
Up-to-date list of AXA authorized repair shops: AXA.ch/garage-list.

Term discount included

- 3-year contract term: 3% discount

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Contractual basis
The policy below is based on the information you provided as well as your answers to the questions listed
below. Please check to make sure they are accurate.

During the last five years, was the license of the most frequent driver ever
No
revoked for more than two months?

Contractual provisions
- The General Insurance Conditions (GIC) for Motor Vehicle Insurance apply. Version 10.2023:
www.axa.ch/doc/akd27

By way of an amendment/supplement to the aforementioned General Insurance Conditions, the Special

Insurance Provisions set out below are applicable.

Special contractual conditions

Condition for repair bonus (accidental damage)

In the event of damage, you must notify us immediately. We will give you suggestions for authorized repair shops. If
you do not choose any of the suggested repair shops, the deductible agreed in the policy for accidental damage with
collision, accidental damage without collision, damage to parked vehicles as well as to headlights and side mirrors will
increase by CHF 500.

Martens or rodents damage is excluded from this provision. Additional reductions of benefits in accordance with
A12.1.2 GIC are possible.

If the damage occurs abroad, emergency repairs of up to CHF 500 may be performed directly on location. You must
contact us immediately if the repair costs are higher. We will decide if the vehicle will be repaired abroad or
transported back to Switzerland for repair.

Additional contract information

The term discount is applicable during the contract term, in accordance with
Term discount the policy. If the contract is not extended, the discount ceases to apply as of
the contract expiration date.

Under GIC A11.2, there is no right of cancellation if premiums change as a result of discounts or because
government agencies modify taxes, statutory insurance, benefits or deductibles.
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Notification of changes
In accordance with A13 GIC, the policyholder must inform AXA immediately if any information contained in the
policy has changed.

Winterthur, 1 February 2024

AXA Insurance Ltd.

Dominique Kasper Martin Schmid

Head of Property and Casualty Head of Private Clients
Insurance

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myAXA client portal: All your insurance documents at your fingertips
myAXA is the digital alternative to the trusty old folder where you used to keep all your insurance documents. At
myAXA, you can access your documents at anytime and from anywhere, file a claim in a few easy steps and
manage your insurance information online. This is how insurance works nowadays - try it out.

Sign up today at myAXA.ch

Take care of your claim in three steps

Before you have any damage repaired, make sure to use our customer portal to quickly and easily report
the damage online at myAXA.ch, AXA.ch/claims or call us at 0800 809 809.

We will take care of the arrangements for the repair, regardless of whether you need a body shop, a
mechanic or another type of repair service. You enjoy access to our excellent partner network with
exclusive services and guarantees.

In the last step, we review the submitted invoice, let you know when the process is complete and pay the
claim amount directly to you or to our repair partner.

AXA.ch/claims

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