CHF 100 discount if you take out insurance by January 31, 2023

Calculate your premium online Motorcycle insurance

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Key points at a glance
  • Liability for registration: In Switzerland, you must have liability insurance before you can register your motorcycle. It covers the cost of any injuries or damages you cause to people or property with your motorcycle.
  • Accidental damage insurance for your motorcycle: Accidental damage insurance is voluntary, but recommended. Partial accidental damage covers damage to your motorcycle caused by animals, fire or bad weather. Full accidental damage insurance (partial accidental damage plus collision) also covers any damage that you cause to your motorcycle.
  • Add-ons for extra protection: Get even more protection by including our separate add-ons in your accidental damage policy. You can insure yourself against damage to your motorcycle when it's parked or to your motorcycle clothing (helmet, boots, protectors, etc.). You can also choose extra bonus protection. 

Phone consultation for motorcycle insurance: 052 244 86 00

Build your own motorcycle insurance

AXA motorcycle insurance offers you the best service if you’re in an accident, attractive solutions and outstanding flexibility – all so you can get back on the road again.

Build your own motorcycle policy with exactly what you need: liability and accidental damage as well as many other coverages.

Here's how motorcycle insurance works:

Image description: AXA motorcycle insurance online, motorcycle liability insurance, motorcycle partial accidental damage and motorcycle full accidental damage, add-on coverages for motorcycle insurance.

A few clicks is all it takes to calculate your motorcycle premium and purchase your policy online:

Motorcycle liability insurance for damage you cause to others

Motorcycle liability insurance is mandatory for registering a motorcycle, moped or motor scooter in Switzerland. It covers injuries / damages that you as the driver cause to third parties (people, animals or property).

  • Optional: Damage to your own property (e.g. your car or garage)

Motorcycle accidental damage insurance for damage to your motorcycle 

Accidental damage insurance gives you an extra layer of protection against damage to your motorcycle. You can choose between partial accidental damage (no collision) and full accidental damage (includes collision) and include add-on coverages as well.

Motorcycle partial accidental damage insurance

Partial accidental damage insurance protects your motorcycle against damage due to an unknown reason, forces of nature or animals, such as:

  • Theft including car-hacking and misappropriation
  • Glass breakage to front, rear and side windows
  • Natural hazard events (hail, rockslides, etc.) and fire or lightening strikes
  • Damage due to martens and rodents as well as collisions with animals (e.g. Accident involving wild animals)
  • Malicious damage including slashing or defacing of saddle bags and seats

Motorcycle full accidental damage insurance

You will be even better protected with full accidental damage insurance. On top of all the protection from partial accidental damage insurance, you are also covered for damage to your motorcycle that you yourself cause in a collision. Full accidental damage includes:

  • All the benefits of partial accidental damage insurance
  • Collision: Damage to your motorcycle that you cause unintentionally

Add-ons for motorcycle full / partial accidental damage insurance:

  • Parking damage insurance protects you against damage to your parked motorcycle by an unknown vehicle or an unknown person. It makes no difference whether the damage is to the paintwork, the bodywork or elsewhere.
  • Damage to headlights and side view mirrors
  • Personal belongings in your vehicle such as leather jackets, smartphones, etc. which are damaged in a collision or are stolen.
  • Motorcycle clothing: Helmets, boots, gloves, protectors, etc. if they are damaged, destroyed or stolen in an accident or in another insured event.
  • Loss and damage to vehicle keys including remote controls and keyless access systems

Services and add-ons for motorcycle insurance

If you need more: Regardless of whether you have full / partial accidental damage or just liability insurance, you can include the following services and add-ons in your motorcycle insurance:

  • Gross negligence: Benefits are not reduced for traffic accidents that were caused through gross negligence (such as crossing a double yellow line or running a red light).
  • Bonus protection: prevents you from losing your premium discount if you have an accident. If you haven’t had any accidents, we will lower your motorcycle insurance premium by up to 30%. 
  • Roadside assistance including onward travel: If your motorcycle leaves you stranded, AXA will organize and pay for roadside assistance and your trip directly home or will reimburse you for up to CHF 500 per person to continue the trip.
  • Replacement vehicle: If you total your motorcycle or have it repaired, regardless of whether this is due to an insured loss or a breakdown, AXA will pay for a replacement vehicle for you. 
  • Injuries to you and your passengers: Our accident insurance supports you financially if the driver or passengers are injured or killed. The benefits from existing accident insurance will be increased as a result.
  • Free comprehensive serviceWe are there for you even when you’re not at fault. This means you don’t have to deal with the other party. AXA takes care of your claim for you and asserts your rights.

Insure your electric scooters and mopeds

AXA gives you attractive add-ons to choose from for your electric motorcycle, scooter or moped:

  • The e-mobility battery optional benefit lets you insure your battery against operating errors, complete discharge, losses of power or overvoltages. If your battery is damaged, we will pay to repair or replace it.
  • You can also protect your mobile or fixed charging station from damage or theft with the e-mobility charging station optional add-on from AXA. If it is damaged or stolen, AXA will pay for a like-for-like replacement and for any installment costs.

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Support and frequently asked questions about motorcycle insurance

  • What is not covered under motorcycle insurance?

    The insurance excludes damage or traffic accidents that are caused by you as the driver:

    • ... while in a condition unsuitable for driving,
    • ... while intoxicated (blood alcohol level higher than legally allowed),
    • ... while driving without a legally required driver’s license or without official authorization,
    • ... while driving at speeds that greatly exceed the speed limit (as per road traffic laws),

    as well as operating damage to the motorcycle, such as wear and tear.

  • Do I also need roadside assistance?

    If you have purchased the Roadside assistance including onward travel add-on, we will make sure that your insured motorcycle is always ready to go. Roadside service from INTERTOURS travel insurance covers any vehicle that you drive. If you regularly rent cars or borrow them from friends, roadside service gives you welcome peace of mind.

  • Do I need to hand in my license plates in winter in order to get a lower premium?

    No. The suspension waiver component in your insurance saves you the trouble of having to surrender your license plates with the department of motor vehicles. This is because most motorcycles are not driven during the winter. This is reflected in lower premiums.

  • Will my leather jacket be covered if it gets damaged in an accident?

    Yes. If you purchased the Motorcycle clothing add-on, your motorcycle jacket is insured. If you would also like to insure the personal belongings you carry with you, such as a laptop or smartphone, against damage due to an accident, then we recommend buying the Personal belongings in vehicle add-on.

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