Third-party liability insurance for motorcycles: what you need to know

1. What is motorcycle liability insurance?

Motorcycle liability insurance covers any damage or injury that you cause to third parties with your motorcycle. This differentiates it from partial casco and full casco insurance. These types of insurance cover damage to your own vehicle.

2. What does personal liability insurance for motorcycles include?

The following damage is insured:

• Damage to other persons, for example, treatment costs and loss of employment

• Damage to objects, for example repair costs for other vehicles

• Damage to animals, e.g. treatment costs

3. What is not covered by motorcycle liability insurance?

Motorcycle liability insurance does not pay in the following situations:

• Damage to your own motorcycle

• Damage you have intentionally caused

• Damage caused by driving under the influence of alcohol or drugs

• Damage caused by driving on closed or prohibited roads

• Damage caused by driving without a valid driver's license

4. Is liability insurance compulsory for motorcycles in Switzerland?

Yes, third-party liability insurance is compulsory for motorcycles in Switzerland. It is mandatory and regulated by road traffic law. This compulsory insurance not only protects the motorcyclist, but also other road users.

This means that registering a motorcycle in Switzerland is only possible with valid proof of insurance (liability insurance).

5. How much does third-party liability insurance for motorcycles cost?

The cost of motorcycle liability insurance depends on various factors. They include:

• the chosen deductible

• the type of motorcycle

• the place of registration

• any add-ons

*Example of costs based on: first registration shortly before the start of the policy (new motorcycle), overnight parking in a garage, place of residence: 8004 Zurich, age of driver: 39 years, driving licence since 2005. Source: Comparis, as at January 2023.

6. What do I need to know when choosing motorcycle liability insurance?

When it comes to liability cover, insurance companies offer very similar benefits. The main differences are the deductible and the cost of the premiums.

Therefore, pay special attention to the costs when comparing different liability insurance policies for motorcycles.

7. How high is the deductible for motorcycle liability insurance?

There are different deductibles for motorcycle liability insurance, mostly costing between 0 and 1,000 francs. Many insurances allow you to set a higher deductible to benefit from lower premiums.