With liability insurance you are covered if you cause someone else loss or damage on your motorcycle. In Switzerland, liability insurance is compulsory for all motorcycle owners.
Motorcycle liability insurance from Helvetia covers the costs in relation to third parties of injury to persons and animals and damage to property caused by the insured motorcycle. Particularly if you cause an accident in which others are injured, the costs can escalate rapidly.
In addition, the liability insurance covers loss prevention costs, protects you against unjustified claims for compensation and provides insurance cover for environmental damage. The latter can arise, for instance, if your motorcycle goes off the road in an accident and oil or petrol contaminates agricultural land.
Liability insurance is required by law if you use your motorcycle on public roads. On request, Helvetia will send the proof of insurance directly to the responsible driver and vehicle licensing office, so that you can pick up your licence plates. This may also be the case if you move to a different canton.
Liability insurance only covers the losses, injury or damage that you cause to other persons or their property. Damage to your motorcycle is not covered. So for optimum protection it is well worthwhile taking out a partially of fully comprehensive insurance policy. Helvetia also offers other attractive additional benefits.