Motorcycle insurance

Liability insurance is a legal requirement for motorcycles. It covers loss and damage that you cause to other road users on your motorcycle. This may include injury to persons and animals and damage to property. The insurance also covers costs to prevent accidents or to contest unjustified claims.

Partially comprehensive insurance covers loss or damage which you did not cause yourself.

Helvetia covers the costs of repairs for the following risks:

• Fire and consequential losses resulting from fire-fighting operations
• Natural occurrences such as storm, hail, flooding and landslide, avalanche and falling rocks
• Snow falling from roofs or branches falling because of the weight of snow
• Attempted and actual theft and robbery
• Wild animal collisions 
• Damage caused by martens
• Vandalism, such as the slashing or disfigurement of saddle bags and seats
  

Fully comprehensive insurance, comprising partially comprehensive insurance and collision damage insurance. It covers accident damage to your motorcycle for which you are to blame and also includes all the benefits of partially comprehensive insurance. This type of insurance is recommended primarily for new vehicles.

The following costs are covered:

• In the event of total loss, Helvetia pays the current value or the current value supplement if taken out.
• In the event of partial loss or damage, Helvetia covers the repair costs.
• For slashed tyres, Helvetia reimburses the current value.
• Recovery, transport and towing costs (up to CHF 10,000)
• Recovery of a stolen vehicle if found within 30 days following a claim
• Customs duties
• Storage costs / parking charges (up to CHF 500)
  

Fully comprehensive insurance is recommended for new vehicles up to the age of around five years. Because if you also included “current value supplement” cover in your policy, the insurance company will still pay between 80 and 90 percent of the list price for a total loss in the third year of operation. Leased vehicles must always have fully comprehensive insurance. After that, partially comprehensive cover is well worthwhile for a few more years.

You decide for yourself exactly how long you want to insure your motorbike with comprehensive cover, taking into account the residual value of the motorcycle and your financial situation.

Suspension discount

Leave your motorcycle registered all year round. With the package option you don’t have to hand in your licence plates – saving time and money. Helvetia also rewards you with a premium reduction: You pay your premium for only nine months instead of twelve. And you can use your motorcycle flexibly and well insured all year round.

Eco discounts

Especially eco-friendly motorcycles benefit from favourable eco-discounts. Helvetia offers particularly good terms for vehicles with alternative drive systems or eco-friendly fuels.

Accident insurance

Accident insurance covers possible personal injuries to riders and passengers. The insurance pays for such items as:

• Curative treatment
• Home care
• Damage to aids and items that replace or compensate for a body part or bodily function, such as spectacles, contact lenses, hearing aids and prosthetics.
• Clothes and personal effects (up to CHF 10,000)
• Travel, transportation and rescue costs (in the case of a search operation for recovery, up to CHF 10,000)
• Repatriation costs
• Daily allowance
• Hospital benefit
• Disability capital

The advantages of Assistance

When you have a breakdown you are pleased to get rapid help. Assistance covers the costs of breakdown assistance and towing. It also provides benefits such as: 

• Travel costs for recovery of the occupants to Switzerland
• Replacement vehicle costs
• Recovery, transport and towing costs for the vehicle 
• Costs of overnight accommodation
• Costs of returning the vehicle to home
• Shipping costs for spare parts 
• Customs duties
• Legal expenses in connection with a road accident
  

Motorcycle clothing

Insure your motorcycle clothing against theft, damage and destruction. Helmets, leathers and coveralls, boots and gloves are all covered. This protection applies on your own motorcycle as well as on any other. Your passenger’s clothing is also covered on the insured motorcycle.

Bonus protection

Keep your no-claims bonus in the event of a claim. With bonus protection you do not lose your accumulated bonus for the first claim each year. This applies to liability, partially comprehensive and fully comprehensive claims. Anyone interested in playing it safe can take out bonus protectionPLUS insurance. The bonus level is thus retained, regardless of the number of claims per year.

Gross negligence

With this supplementary cover Helvetia waives its statutory right of recourse, even in the case of loss or damage caused by gross negligence, so Helvetia will not reclaim any money from you. In general, gross negligence includes serious infringements of the traffic regulations, such as overtaking on a solid white line or riding too fast.

Replacement value supplement insurance

In the event of a total loss, you receive at least 10% more than the actual replacement value of your vehicle; in fact 100% of the list price in the first two years of operation. With the replacement value supplementPLUS insurance you will receive 100% of the catalogue price in the first four years of operation and at least 20% more than the replacement value.