Benefits and cover

In addition to the basic cover, there are add-ons that you can choose depending on the insurance provider:

• Gross negligence: this type of add-on covers damage even in the event of serious errors.

• No-claims bonus protection: this add-on preserves your premium discount after a claim.

• Damage while parked: this covers damage to the motorcycle caused by third parties when parking.

• Safety clothing: this add-on is a type of insurance for helmet, jacket and protective clothing.

• First-party damage: this provides protection in the event that you cause damage to your own property (e.g. to your own car) while using the motorcycle.

• Personal belongings: this add-on insures luggage, bags and personal items.

• Accident cover for motorcyclists: this provides financial protection in the event of rider accidents.

• Breakdown cover / roadside assistance: breakdown assistance and mobility solutions are arranged when necessary.

• Replacement value supplement: this add-on replaces a higher value in the event that the motorcycle is written off.

• Extended glass breakage cover: this covers damage to headlights, mirrors and other glass surfaces.

• Waiver of suspension: this refers to an abstention from the option of depositing the licence plates during the winter months – which is often associated with a lower annual premium.

The deductible is the amount you must pay out of pocket in the event of a claim.

Deductibles in motorcycle liability insurance

For many providers, these deductibles are considered a guide for motorcycle liability insurance:

• Young riders (under 25 years of age) often have a higher deductible, e.g. 1,000 francs.

• New riders (over 25 years, but with a licence for less than two years): usually 500 francs.

• Experienced riders (over 25 years and at least two years of riding experience): often no deductible.

Deductibles for motorcycle casco insurance

In partial and full casco insurance, the deductible differs depending on the insurer, rider profile, vehicle and cover.

You can find the exact amount in the policy. Check the exact conditions when changing motorcycle insurance.

The sum insured determines up to what amount damage is covered. It varies depending on the type of insurance and the module.

Full and partial casco

The maximum compensation is usually the purchase price of the motorcycle plus accessories. Lower sums often apply to add-ons such as safety clothing.

Liability

The legal minimum cover under compulsory liability insurance in Switzerland is 5 million francs per accident.