1 STRADA COMPACT motor vehicle insurance Gearing up for safety/ STRADA COMPACT means straightforward motor vehicle insurance designed for anyone seeking a solid package of benefits with their liability, accidental damage, mobility, and accident coverage. This means you will be well insured when on the road. STRADA COMPACT at a glance Motor vehicle insurance that includes the following fixed modules: Full new-for-old vehicle value paid during the first year No deductible for liability coverage for drivers above age 25 Extras are also insured for up to 10 % of the vehicle s list price Discount of up to 20 % for cars with low CO 2 emissions Also optional: Coverage for parking damage Accident insurance All in one STRADA COMPACT is just right for those who want insurance coverage that is simple and uncomplicated but still solid. Mobility for all of Switzerland Around-the-clock emergency help Property in the car is insured
2 Neat and simple/ With STRADA COMPACT you are correctly insured in every situation. While it offers you an interesting range of benefits at a fair price for your car or motorcycle, it also covers emergency roadside service, towing, and vehicle recovery and repatriation to Switzerland while keeping you mobile at all times. Liability The Road Traffic Act requires all motor vehicle owners to have liability insurance, which covers damage that you may cause to other road users (drivers, cyclists, and pedestrians), animals or property when you are driving and protects you from any unjustified claims for damages you may face. Accidental damage coverage Although accidental damage coverage is voluntary, it is indispensable if you suffer a loss. You can choose between full or partial accidental damage coverage and determine your own scope of the insurance. Benefits STRADA COMPACT for passenger cars Liability Guaranteed amount CHF 100 million Deductible Drivers below age 25, CHF 1,000 Other drivers CHF 0 Crash Recorder Accidental damage coverage Theft Damage by natural forces, fire, snow slides, animals and martens Glass breakage (windows) Malicious damage Transported belongings CHF 2,000 Extras Incl. 10 % of the vehicle s list price Mobility Switzerland Compensation in the event of a total loss Deductible for partial accidental coverage Collision Deductible CHF 1,000 Current market value supplement with full new-for-old coverage during the first year CHF 300 Partial accidental damage coverage Full accidental damage coverage Parking damage Accident Parking damage 1 instance per year up to CHF 1,000 All passengers Medical expenses Lump sum payable on death CHF 20,000 Lump sum payable on CHF 100,000 disability Treatment costs for pets Driving third-party vehicles Included in coverage Selectable
3 Partial accidental damage insurance The following events are insured: Theft Damage from natural occurrences such as rock fall, hail, or avalanches Fire damage: Including lightning, short circuits, and explosions Snow slides: Including falling snow and ice Damage by animals caused on impact Marten damage, in particular damage from biting and any consequential loss Glass breakage: Including the windshield, side, and rear windows, and sunroof Malicious damage: For example, broken-off antennas or rear-view mirrors, slashed tires Transported belongings: Compensation up to CHF 2,000 Extras Extras and accessories are automatically included in the coverage without premium for up to 10 % of the vehicle s list price. Mobility in Switzerland For Switzerland, the insurance includes emergency roadside service, towing, vehicle recovery and repatriation all without a premium. We can also arrange for the necessary repairs on request. AXA s contract partners offer a warranty of up to five years on their work. Full accidental damage coverage Full accidental damage insurance (collision) covers damage to your own vehicle in addition to any damage that is covered under partial accidental damage insurance. In the event of a total loss, you will be covered for the vehicle s current value. What s more, you will receive the vehicle s full new-for-old value during the first year. In the years after that, AXA will compensate the prorated portion (as a percentage) of the vehicle s value based on its years in operation. Parking damage You can choose to include parking damage in the insurance, which then covers one instance per year up to CHF 1,000. Accident insurance Accident insurance provides you with financial support if the driver or a passenger in your vehicle is injured or killed in a traffic accident. This applies even if the question of who is at fault has not yet been settled. Accident insurance covers you and your passengers even while traveling in a vehicle other than your own. It also covers treatment costs for your pet if it happens to be in the car. Accident-free driving pays off The no-claims bonus can make a difference of up to 70 % for liability and full accidental damage coverage (only collision), because each claim-free year lowers your premium by one level.
4 I am interested in other insurance products from AXA Please send me information on the following: BOX OPTIMA household insurance AXA-ARAG legal expenses insurance INTERTOURS travel insurance STRADA OPTIMA motor vehicle insurance Please contact me: Phone (home) Phone (work) Mobile I am best reached on (day of week) between and o clock Last name First name Street, number Postcode, town Discounts and other advantages New-customer discount The older the driver, the higher the discount for new customers. Discount for kilometers driven 10 % premium reduction if you drive less than 7,500 kilometers per year. Discount for age of vehicle The older the vehicle, the lower the premium. CO 2 discount Are you helping to protect the environment by driving a car with low CO 2 emissions? AXA supports your decision to care for the environment by offering you a discount of up to 20 %. The lower the CO 2 emissions of your vehicle, the higher the discount on your premium. STRADA OPTIMA gives you the freedom to choose your own bonus protection: An insured event will not cause your current bonus level for liability and full accidental damage coverage (only collision) to change No benefit reductions or recourse in the event of gross negligence Changes in premium for liability and full accidental damage coverage (only collision) 150 % 130 % 120 % 110 % 100 % 90 % 80 % 75 % 70 % 65 % 60 % 55 % 50 % 45 % 40 % 36 % 33 % 30 % Bonus levels
5 Please attach stamp Crash Recorder The Crash Recorder saves data from 20 seconds before until 10 seconds after an accident. This helps when reconstructing the events of an accident quickly and objectively and provides legal certainty. Young drivers up to age 25 will receive a 15 % premium discount when they install a Crash Recorder. Road safety For over 25 years, AXA has shown its commitment to preventing traffic accidents through its own Foundation for Prevention. It regularly conducts crash tests and is active in the field of accident research. By signing the European Road Safety Charter, AXA has demonstrated its commitment to further improving road safety. For further information visit
6 Additional insurance protection/ Security when out and about/ BOX OPTIMA household insurance Whether at home or out and about: BOX OPTIMA offers comprehensive protection for your household contents and against personal liability claims brought by third parties. INTERTOURS travel insurance Trips, vacation and leisure time: INTERTOURS provides you and your family with fast, qualified assistance in every type of emergency situation, whether at home or abroad. AXA-ARAG legal expenses insurance Whether you re a driver or a private individual, at work or in your leisure time: AXA-ARAG provides you with all the resources you will need when faced with legal action. STRADA OPTIMA motor vehicle insurance Individual solutions for all types of vehicle: STRADA OPTIMA offers you a wide range of benefits relating to liability, physical damage, accident, and mobility insurance. WMIC C&P 2474 En AXA Winterthur General-Guisan-Strasse 40 P.O. Box Winterthur 24-hour telephone: AXA.ch AXA Insurance Ltd 100 % recycled paper