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Motorcycle insurance
Put together flexible motor vehicle insurance according to your wishes and get insurance coverage tailored to your needs with regard to safety, affordability and transparency. For mopeds, scooters and motorcycles.
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Up to 30% premium reduction if you choose not to hand in your number plates with the road traffic authorities over the winter months
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Fast and uncomplicated claims settlement
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Bonus protection with the first claim according to the motto «everybody gets a second chance»
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Bonus level reduction with rider safety training for motorcycles
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Free choice of repair workshop
The days when you would hand in the number plate of your motorcycle in the autumn to then redeem it again in the spring are over. The calculation of your premium includes a discount if you opt not to suspend your policy by temporarily handing in your number plate.
It is possible to switch your motorcycle insurance if you change vehicles, upon termination of a contract, if your insurer raises your premiums or if you file a claim.
Basic cover at a glance
Put together car insurance according to your individual needs. In doing so, choose from a range of basic and supplementary covers.
Mandatory liability insurance covers insured persons against property damage or bodily injury to third parties caused by the insured vehicle. In addition, you are also protected against unjustified claims for damages.
Your vehicle is insured against damage due to external factors such as theft, fire, natural forces (such as storm damage, hail and flooding, etc.), glass breakage, collision with animals, vandalism and damage by martens.
In addition to partially comprehensive cover, comprehensive cover insures you in the event of collision damage to your own vehicle for which you are to blame. Helvetia’s fully comprehensive cover consists of the two components of partially comprehensive cover and comprehensive cover.
The accident insurance for passengers covers bodily injury to the driver and passengers within the scope of the agreed benefits.
Additional insurance
No reduction due to gross negligence
This relates to our waiving the right of recourse granted to us by law in the case of damages caused by gross negligence (supplementary cover, gross negligence cover).
Motorcycle safety gear
Helvetia motor vehicle insurance provides optimum coverage for your safety gear in case of theft, damage and destruction.
Bonus protection with the first claim
With bonus protection insurance, the first claim each year and benefit will have no negative effects on your bonus.
Fully comprehensive glass replacement
Regardless of whether it’s the windscreen, headlamps or indicators, with the Glass Plus supplementary cover, all the damage to the vehicle parts made of glass or glass substitutes are 100% covered.
Breakdown assistance, towing service and motorists’ legal expenses insurance
The assistance service offers you rapid, reliable and competent support in dealing with damages, with breakdown recovery and towing service, for example. What begins as a minor incident can end up being a costly legal battle, so legal expenses insurance for motorists is integrated into the assistance package.
Further information
Good to know
- Pay for nine months, ride for twelve: keep your motorcycle number plate throughout the year and save the cost and the hassle of handing it in. This way, your motorcycle is always ready to go and your annual premium is reduced by up to 30%.
- Reduce your premium by attending a driver safety training course. You get a reduction of two bonus levels.
- Motorcycle insurance including assistance service: you can integrate the assistance service into your car insurance – and it’s well worth it: breakdown/accident assistance and legal expenses insurance for motorists in one.
- Eco discount: insure your vehicle with alternative drive systems or environmentally-friendly fuels at particularly favourable conditions thanks to an attractive eco discount.
- Holiday cover: enhanced insurance coverage for holidays in Switzerland and abroad. In addition to the mandatory liability and partially comprehensive cover, with this option you are also covered for collisions or wilful damage during this time.
- Motorcycle safety gear: Helvetia motor vehicle insurance provides optimum coverage for your safety gear in case of theft, damage and destruction.
Example
Motorcycle accidents with consequences
Mr Summer is out on his motorcycle and it suddenly starts to rain. As he takes a bend, the back wheel loses traction causing him to fall. He is admitted to hospital as a result of the fall. Since he has motor vehicle passenger accident insurance, the costs of the rescue (transport) are covered. What’s more, thanks to his motor vehicle passenger accident insurance, Mr Sommer is also able to take advantage of private medical care during his stay in hospital.
Fortunately, Mr Sommer also has comprehensive cover for his motorcycle, meaning the repair costs are also covered. Thanks to the additional «Motorcycles: damage to safety gear» insurance, his policy even covers the damage or destruction of his safety gear (helmet, protective suit, boots, gloves).
Downloads & links
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