A young girl charges her electric car while talking to her friend.

Carefree driving with your electric car

Insure your electric car

Protection for the heart of your electric car
Comprehensive insurance for the charging infrastructure
If you have an accident: there for you 24/7
Calculate your premium
eKomi Customer award for car insurance. bonus.ch Car insurance badge with a rating of 5.1.

Key points at a glance

  • Protection for your electric car: car insurance for electric cars covers the cost of damage that you cause with your electric car to a vehicle, property or person as well as damage suffered by your own electric car.
  • Individual insurance protection: in addition to the mandatory liability insurance for your car, you can choose  between partial and comprehensive accidental damage insurance as well as attractive add-ons.
  • Extra protection for battery and home charging station: we offer you special protection for your mobile or fixed charging station as well as the battery for your electric car. 
Calculate your premium

Telephone consultation on car insurance for electric cars: 052 244 86 12

Optimal insurance for your electric car

Would you like to buy an electric car or do you already have one? If so, do you now need the right insurance cover? Car insurance from AXA offers you every type of insurance specifically for electric cars and plug-in hybrids. Also, our add-ons ensure that your  battery and charging infrastructure are protected as much as possible.

Compulsory liability insurance for electric cars: for damage caused by your vehicle

Liability insurance for your electric car is compulsory in Switzerland in order for it to be registered. This applies to injury caused by your vehicle to people, animals and damage to property.

Furthermore, you can extend your cover to include damage to your own property that could arise through a mishap with your vehicle. For instance to the front wall of your house, your garage or garden fence.

Accidental damage insurance for damage to your electric car

With accidental damage insurance, you protect your electric car against different types of damage caused by external influences as well as by accidents for which you are responsible. Choose between partial and comprehensive accidental damage insurance and tailor your insurance cover to your individual needs.

Partial accidental damage insurance

Partial accidental damage insurance offers protection against damage caused by unforeseen events or third parties. Cover includes the following:

  • Theft including car hacking and misuse of keyless systems
  • Natural hazards such as hail, lightning strikes, fire or flood
  • Glass breakage to front, rear or side windows
  • Animal damage caused by martens, rodents or collisions with wild animals
  • Malicious damage such as broken aerials or damaged side windows

Comprehensive accidental damage insurance

In addition to the benefits of accidental damage, electric car insurance covers any damage caused by your vehicle through a collision. You enjoy full protection with comprehensive accidental damage insurance.

Add-ons to accidental damage insurance for your electric car

Extend your partial or comprehensive accidental insurance with individual additional options to maximize insurance for your electric car:

  • Damage to parked vehicle: parking damage insurance covers damage to your parked vehicle caused by unknown persons or vehicles.
  • Damage to headlights and side view mirrors
  • Damage to the vehicle Interior
  • Damage to tires and wheel rims
  • Contents in the vehicle: protection for personal property such as laptops or smartphones that are damaged in a collision or stolen from the vehicle.
  • Loss or damage to car keys: this add-on covers loss or damage to your vehicle's keys, including remote controls and keyless access systems.

Services and add-ons to electric car insurance

If you insure your electric car with AXA, you benefit from comprehensive basic cover under liability and accidental damage insurance. You also benefit from many flexible add-ons – from insuring your home charging station to protecting your battery.

Optimal insurance for home charging station or mobile charging equipment

E-mobility charging station supplementary insurance protects your wallbox and mobile charging stations, including charging cable and accessories, against unforeseen damage or destruction, particularly due to: 

  • Falling
  • Improper use, carelessness, negligence
  • Electrical impacts, such as short circuit or overcurrent
  • Water, fire and natural hazards
  • Vandalism and theft
  • Damage to charging cable, including any caused by martens and rodents, for example

Regardless of whether you used your charging station incorrectly, or whether it was damaged by vandalism or stolen: AXA meets the cost of an equivalent replacement or repair and covers the installation costs of a new wallbox. The same benefits also apply to mobile charging equipment.

Insure battery for your electric car

Reliably insure your  high-voltage battery against:

  • Operating errors such as causing an irregular load on the battery, completely discharging it or incorrectly programming a home charging station
  • Total discharge, if the battery voltage falls below a critical level, e.g. through defective charging equipment or longer vacation
  • Overvoltage, if the battery voltage goes above the tolerance level, e.g. through power failures or lightning strikes
  • Malfunctioning of charging device
  • Exceptional loss of capacity of more than 50 percent in the first three years

In the event of a claim, we meet the cost of repairing the battery. If a repair isn't possible, we meet the cost of a replacement.

Do your neighbors have concerns about you charging your electric car in the communal garage? You can also insure against property damage to other vehicles, for example, caused by a battery fire, even if there's no legal liability.

Calculate your premium

Other add-ons

If you insure your electric car with AXA, you can flexibly extend your policy. Using the following services and add-ons, you can enjoy even greater protection and comfort tailored to your individual needs:

  • Gross negligence: your benefits are not reduced even for damage caused by gross negligence, such as driving through a red light.
  • Bonus protection: Protect your no claims discount even after an accident. With bonus protection, your no claims level remains unchanged and continues to drop with claim-free driving down to a minimum of 30 percent.
  • Roadside assistance including onward travel: we organize and pay for local roadside assistance. We also help you with your onward travel with up to CHF 500 per person or make sure that you travel back home safely.
  • Replacement vehicle: if your car is repaired or written off in full, we provide you with a replacement vehicle, either for the duration of the repairs or for up to a month. That way, you'll always be mobile.
  • Vehicle legal protection: this protection covers you in the event of legal disputes involving your electric car. Regardless of whether there are problems with an auto center or difficulties after an accident, we're here to help you with legal advice.
  • Injury to you and your passengers: if you're involved in an accident, we'll give you and your passengers financial support. This add-on enhances existing accident insurance and gives you greater security in the worst-case scenario.

Offers and discounts for your electric car

Benefit from our partnership with Swisscharge. We promote electromobility and offer our customers exclusive offers and discounts.

  • A mother and her son charge the electric car together.

    10% discount on your new charging station

    Buy your optimal charging solution from Swisscharge and get a discount of up to 10% on your charging station.

    Find a charging station now

  • AXA recommends the Swisscharge app

    Charge your electric vehicle with the largest charging network in Switzerland and also throughout Europe – without a subscription or base fee.

    Sign up for Swisscharge now

Examples of damage/loss

Parking damage by unknown

A stressful day's shopping ends with hassle, as you find a dent and paint damage to your electric car. Who caused it? Disappeared without a trace. Luckily you have parking damage insurance and AXA pays to repair the damage.

  1. Breakdown of costs
  2. Paint repair to rear door CHF 1,200
  3. Organization of repairs by partner garage CHF 200
  4. Total claim CHF 1,400
  5. Deductible CHF 200
  6. Compensation paid by AXA CHF 1,200

Destruction of charging station due to overvoltage

A heavy storm hits the town. A lightning strike disables your home charging station. As it can't be repaired, you receive a new wallbox.

  1. Breakdown of costs
  2. Replacement of damaged wallbox CHF 3,000
  3. Assembly costs CHF 500
  4. Total claim CHF 3,500
  5. Deductible CHF 0
  6. Compensation paid by AXA CHF 3,500

Wildlife vehicle collision

While driving in the mountains, a deer suddenly jumps out into the road and collides with your electric car. The battery is also damaged in addition to significant damage to the front of the car. You're grateful for the replacement vehicle during the repairs.

  1. Breakdown of costs
  2. Repair of damage to front of car (radiator, bumper) CHF 18,000
  3. Repair of battery by partner garage CHF 12,000
  4. Replacement vehicle for two weeks CHF 1,000
  5. Total claim CHF 31,000
  6. Deductible CHF 1,000
  7. Compensation paid by AXA CHF 30,000

Insure your electric car with AXA and enjoy benefits

  • 24-hour hotline for immediate assistance and claims notification. When you report a claim by phone or online, you can find out right away if it’s insured. AXA.ch/claims
  • If your electric car breaks down, the roadside assistance add-on including onward travel ensures that you're mobile again within an hour – even if you have a flat battery.
  • AXA arranges for your electric car to be repaired by a certified partner garage if it suffers insured accidental damage. By doing so, you benefit from numerous attractive benefits:
    • You save time and hassle, as we organize the repair.
    • Your car will be picked up if necessary, you'll be given a replacement vehicle and your car will be returned cleaned.
    • If possible, glass damage can be repaired at your home.
    • You'll receive a lifelong repair guarantee.

68’754 satisfied customers

4.8 / 5

  1. Lachezar M.

    The speed to get the claim processed

  2. Han-Chiao Y.

    AXA closed my case in less than a week, very sufficient and the partner garage is very professional.

  3. Caroline S.

    very easy to communicate

  4. Jan E.

    The response was very fast, very friendly support team and easy communication.

To the reviews

Support and FAQ on e-mobility

What do I have to watch out for when insuring my electric car?

Electric cars are insured as traditional vehicles. You choose between mandatory liability insurance, partial or comprehensive accidental damage insurance and various add-ons. You also have the option of insuring special elements of your electric car, such as the battery, home charging station and mobile charging devices.

Leasing the battery is a special case, in that certain manufacturers can sell you the car but lease the battery to you. This is factored in when the insurance is taken out.

Why should my electric car's battery also be insured?

The battery is the heart of every electric car. The add-on specifically for high-voltage vehicle batteries gives your electric car optimal protection for the first eight operating years and up to a maximum of 200,000 kilometers driven. Compared to the manufacturer's guarantee, additional risks such as operating errors or total discharge are insured which are excluded in most cases. In the event of a claim, AXA covers the cost of repair if this is possible. Otherwise we pay for the cost of replacing the battery. Disposal costs are also included when there’s an insured event. 

What happens if I have to make a claim with my electric car?

From an insurance point of view, it is irrelevant if a claim relates to a gas, hybrid or electric car. Damage to your vehicle is processed and compensated depending on the incident and existing insurance – liability insurance, partial or comprehensive accidental damage insurance.

What happens if I can't drive because the car has run out of battery?

The breakdown assistance add-on, including onward travel ensures that you stay mobile: your car will be collected from the breakdown site, returned and your personal journey home or onward travel is also included within a certain range. These services also apply to electric cars with a flat battery.

What should I know about charging my electric car?

Many places now have public charging stations that offer both slow (AC) and quick charging (DC). The latter charge batteries quickly. The price at public charging stations can be made up of a parking fee while you’re charging and a charging fee per kWh. These prices vary from station to station.

AXA cares about cost transparency: Customers charge their vehicle at all Swisscharge charging stations at the standard transparent price. Register here.

Why is AXA committed to a standard charging rate for electric cars?

As a mobility expert, we recognized that the solutions that are currently available for our customers are lacking in cost transparency. So we have teamed up with Swisscharge to offer you an exclusive and transparent solution for charging your EV at a standard rate.

Can the standard price change?

Yes, adjustments to the charging price or discount are possible. Swisscharge informs registered AXA customers proactively about price changes by email. The current standard price can always be found in the Swisscharge app.

I’m already a Swisscharge customer, how can I benefit?

Simply register here.
Do you already have an RFID card from Swisscharge or a SwissPass? Simply change this on the new AXA account after registration. This way, you conveniently start and stop the charging transactions with your card. Please do not hesitate to contact Swisscharge if you have any questions: info@swisscharge.ch.

When I charge with Swisscharge, is the electricity from renewable sources?

Yes, you charge with certified green electricity at practically all charging stations linked to Swisscharge. For example, you can charge with 100 percent certified green electricity at the following charging stations:

  • GOFAST
  • Energie 360°
  • IWB
  • Agrola
  • EWZ

Insure your electric car: download all the information

Moor rewilded with our customers' help

AXA helped to rewild 1 m² of moor in the Graubünden community of Maienfeld for every new car insurance policy taken out for an electric car between January 2023 and February 2025. Thanks to our customers, this type of project has managed to rewild 60,000 m².

  1. In the foreground is a raised moor through which a small stream flows. In the background the mountains can be seen.

    As humans dry out the moors, rare species are losing their quality habitat. And this also releases a lot of carbon dioxide into the atmosphere.

  2. In a raised bog, a ditch is piled up with sheet piling. The area is then watered again.

    In order to restore the moors, trenches are filled with sheet pilings so that the area can become a wetland again.

  3. A brook flows through a raised moor. In the background you can see mountains on which there is still snow.

    The groundwater rises until the biodiversity of life specific to that moor is restored. Dead plant matter and carbon are stored for a very long time in the peaty ground.

Together for more sustainability

With its Flora Futura initiative, AXA intends to upgrade around two million square meters of land in which biodiversity can flourish by 2025 – that’s one square meter for every customer. Here you can learn more about the products and solutions with which we support your more sustainable lifestyle.

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