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Proper insurance for motorcycle and driver

Motorcycle owners can insure their vehicle against a multitude of risks. But what insurance is really necessary? How can you protect yourself and passengers?

15 May 2017, text: Andreas Naef, photo: iStock

Motorcycle rider with passenger rounds a bend on a road in the midst of a green mountain panorama.
Having the right insurance coverage means you can enjoy riding a motorcycle with no worries.

Anyone riding a motorcycle will always need compulsory liability insurance for motor vehicles. This covers personal injury and property damage suffered by third parties up to the defined sum insured of 100 million Swiss francs. Additional insurance is not compulsory but is highly recommended. The choice of the optimal solution depends on the purchase price of the motorcycle and the catalogue price of accessories, among other aspects.

Semi- or fully comprehensive cover?

Partially (semi-) comprehensive cover is almost indispensable: it covers damage to your own vehicle, for instance in the event of fire and damage caused by natural forces, snow slides, theft, wilful damage, damage caused by animals or glass breakage. Partially comprehensive cover is particularly important for motorcycles because they are often left outside and cannot be sufficiently protected against external influences.

Depending on price and accessories, fully comprehensive cover may also be worthwhile. It covers damage to the vehicle caused by your own fault, for instance if you fall or if the motorcycle topples over. Additional glass insurance refunds the costs incurred due to the breakage of expensive LED or xenon lights. You can also insure protective clothing – such as helmets, boots, gloves and suits. This provides compensation for damage if you have an accident.

Prudent riders are being rewarded

Bonus protection insurance also exists for the insurances mentioned above. This provides attractive discounts for motorcycle riders who ride for a certain period of time without having an accident. Depending on the company, driving practice in road traffic from other driving licence categories can also be included. This means that even an inexperienced motorcycle rider gets a bonus on the basic premium.

Accident insurance with great benefits

Employed persons are mandatorily insured via their employer’s accident insurance according to the Law on Accident Insurance (LAI). Anyone who is not employed generally protects themselves by taking out accident insurance with their health insurance scheme, which covers any treatment costs. Nevertheless, it is worthwhile concluding accident insurance for riders and passengers. This includes capital benefits in the event of disability or in the case of death, grants daily allowances as a supplement to compulsory accident insurance (which only covers 80% of insured earnings) and pays for treatments costs in private hospital wards. This insurance is a supplement to any existing insurances.

Even if the bike and its rider are well insured, it should be ensured that expert maintenance is carried out regularly – at the start of the season. However, the best way to avoid damage and claims is undoubtedly a considered and cautious riding style.

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