When contacts that are carrying a current are opened there will always be an arc due to the inductance of the circuit. The switch cannot be considered in isolation.
If the contacts are opened then the voltage is applied, the breakdown voltage is not necessarily of the air but of the insulating material used to mount the contacts. Depending on the mounting, the most likely path from one contact to another is along the surface of the insulating material.
Again the contacts cannot be considered in isolation.
Both the circuit and the mounting hardware must be included in the analysis of voltage breakdown.
Even though the breakdown rating is indicated for the contacts, it is really for the insulating material that has the lowest breakdown voltage: the air between the contacts or the material holding the contacts.
Update: An HV electric field can compromise the lattice structure of the insulating material throughout the volume. AC HV fields also cause heating which can vaporize chemicals near the surface leaving behind a carbon rich track. This is not caused by current, but the electric field. Jagged tracks are left on the surface of materials like plastic. If these tracks reach from contact to contact then a high current may flow. This is a voltage breakdown effect that will lower the rating
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This breakdown voltage can be considerably lower than the breakdown in the air.