A silver car hit a white car, damaging the front of the silver car and the rear of the white car.

Replacement vehicle and Purchase Price Guarantee add-on modules

Total loss: How to insure yourself

Buy an add-on policy to protect yourself
Courtesy car for an entire month
Purchase Price Guarantee: get back what you paid
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With us you’re always on the safe side. Protect yourself against a total loss by taking out AXA Replacement vehicle and Purchase Price Guarantee add-on policies.

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What happens if my car is a total loss?

It’s bad enough that you were in an accident. But now your car has been declared a total loss. From one day to the next, you are left without a car and have to organize a replacement. Who is going to take the kids to soccer practice? How will you get to work and do your grocery shopping? And then there’s the cost of it all: How are you going to afford a new car? AXA’s add-on modules are the best insurance against situations like these.

  • Courtesy car for one month
    The Replacement vehicle add-on policy is offered by our subsidiary AXA Mobility Services. If your car is a total loss, they will provide you with a courtesy car for an entire month, giving you plenty of time to find a new car without any stress.
  • Purchase Price Guarantee: five years of payments back in your pocket
    The Purchase Price Guarantee add-on module repays you the entire price you originally paid for your car during the first five years from the date you purchased your vehicle. This means you will be able to buy a new car in the same price range without any problems. Great, isn't it?
A black car with a badly damaged front is standing on the roadside against a green background. The fender is pushed in and the bonnet is deformed.

Frequently asked questions about total loss

What does it mean if my car is a total loss?

There are two different kinds: an economic total loss and a technical total loss. If the car is a technical total loss, that generally means it is no longer possible to repair it. An economic total loss is when repairing the vehicle is just not worth it from a financial standpoint. This means the value of the vehicle at the time of the accident is less than what it would cost to repair it.

What will my insurance pay for a total loss?

This mainly depends on the type of insurance you have.

  • The Purchase Price Guarantee policy refunds you 100% of your purchase price during the first five years after you purchase the vehicle. After this time, you will receive the “actual cash value plus” and an additional 10 %.
  • Actual cash value plus means that you will receive 100% of the value of your car for the first two years that you own it. Starting from the third year that you own it, you will receive considerably more than the standard “actual cash value.”
  • When calculating the actual cash value, the payment you receive is limited to the value of the vehicle at the time of the accident (the car’s age, mileage, condition, etc. are used to determine its value).

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A smiling woman with blonde hair drives a car and wears a yellow sweater while looking through the open window.