Smile motorcycle insurance

Liability insurance

• Sum insured: CHF 100 m (up to CHF 5 m for damage due to fire, explosion and nuclear power)

• Deductible: generally CHF 0; CHF 500 for new drivers; CHF 1,000 for young drivers under age 26

Casco insurance

• Replacement value supplement: in case of total loss, always included for vehicles up to 7 years of age. This replacement value supplement offers below-average compensation compared to other products.

• Partial casco: includes damage due to fire, natural hazards, collisions with animals, martens, glass breakage (all motorcycle parts made of glass or glass-like substitutes), vandalism and theft.

• Deductible: CHF 0 for partial casco; CHF 500 for collision casco

• Personal items: insurable up to CHF 2,000 (total amount, including motorcycle clothing), coverage also includes electronic devices

• Damage while parked: insurable with unlimited benefits and additional coverage for certain types of damage to bodywork

Further options

• Accident insurance: for driver and passenger; sum payable at death (CHF 50,000), disability benefits (CHF 100,000), per-diem allowances for illness (CHF 40) and hospitalisation (CHF 40)

• Suspension discount: when you deposit the number plates (e.g. during winter), part of the premium is proportionally refunded; i.e. you are given a suspension discount.

• Gross negligence cover: applies to mandatory liability insurance (not available to new and young drivers).

• Bonus protection: optional (general bonus protection with unlimited number of claims)

• Roadside assistance: insurable as a supplement including reimbursement of rental motorcycle

**Third-party liability insurance
**Covers warranted claims resulting from the provisions of road traffic law and defence against unwarranted claims for the policyholder, up to CHF 100 million per case.

• Deductible for the main driver: always CHF 0. Deductibles for all other drivers: young drivers CHF 1,000, new drivers CHF 500, all others CHF 0.

• Bonus protection available (this corresponds to a guarantee of the current bonus level, i.e. no downgrading regardless of the number and amount of claims).

Casco insurance

The compensation paid under the replacement value supplement in the event of a write-off corresponds to the market standard.

• Partial casco: Cover includes damage due to fire, theft, liquids, snow slides, natural hazards (e.g. storms, hail, floods), crashing aircraft , collisions with animals, animal bites, glass breakage, and vandalism (including cleaning costs for graffiti on the bodywork).

• Deductible: options available are CHF 0, CHF 300 and CHF 500 for partial casco, and CHF 500, CHF 1,000, and CHF 2,000 for collision casco.

• Personal items: can be insured for up to CHF 2,000, including safety gear, protective clothing and electronic devices.

Further options

• Accident insurance: for driver and passenger; sum payable at death (CHF 20,000), disability benefits (CHF 50,000), per-diem allowances for illness (CHF 25) and hospitalisation (CHF 25)

• Suspension discount: when you deposit the number plates (e.g. during winter), part of the premium is proportionally refunded; i.e. you are given a suspension discount.

• Gross negligence cover: This applies to all types of coverage.

• Breakdown insurance available

• Motor or traffic legal protection available

• Period of notice: 1 month

• Period of insurance: 1 year

• If the contract is cancelled during the insurance year, the premium refund exceeds the legal requirements (not only in case of cancellation due to a change of vehicle, but also when depositing number plates and re-registering with another insurance company, moving to another canton and in case of changes with regard to transferable number plates).