Whether you ride for speed or relaxation, with a motorcycle insurance policy you protect yourself and other road users from financial losses. Insurance for your motorbike works just the same as for your car. Without liability insurance the vehicle cannot be registered. This covers damage to third parties. On the other hand you can also choose partially or fully comprehensive insurance With it you protect yourself from damage or loss to your own motorcycle.
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:
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:
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.
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.
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 covers possible personal injuries to riders and passengers. The insurance pays for such items as:
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:
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.
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.
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.
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.