Advantages of AXA's motorcycle insurance

Roadside assistance throughout Switzerland – and you're back on the road within an hour
Extras insured free of charge

Purchase advice: 0800 800 501

Insurance overview

Liability insurance is mandatory. It covers any damage you may cause to other road users, animals or property while you are driving and protects you against any unsubstantiated claims for damages you may face. Accidental damage insurance is voluntary and covers damage to your motorcycle. The following is an overview of the benefits of AXA motorcycle insurance.

Liability insurance

Guaranteed amount CHF 100 million

Partial accidental damage insurance

Roadside assistance throughout Switzerland
Theft
Malicious damage (e.g. deliberately broken off rear-view mirrors)
Damage by natural forces (e.g. hail), fire, animal damage
Transported belongings (e.g. leather jacket)
Extras: Free coverage of up to 10% of the vehicle's list price

Compensation in the event of a total loss

Present value supplement Plus

100 % in the first 2 years (max. purchase price)
From year 3, much higher compensation than the standard present value

Comprehensive accidental damage insurance (collision)

Damage to your motorcycle that you cause unintentionally

Accident insurance

Valid for all motorcycles registered in Switzerland that you drive and not just your own
Medical expenses, e.g. private ward in a hospital
Death lump sum, in addition to other insurance benefits
Disability lump sum, in addition to other insurance benefits

Discounts and suspension waiver

Claims-free driving leads to a reduction in your premium until it is just 30%.
The suspension waiver allows you to keep your license plates in the winter and benefit from a premium reduction.

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General Insurance Conditions (GIC) Motorcycle insurance [ 755KB]

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Theft at the service station

After a motorcycle trip, Igor enjoys a break in a service station. On returning to the parking space, he is stunned: The locked storage box has been broken into – and his motorcycle helmet and expensive leather jacket have both been stolen. Fortunately, Igor has taken out motorcycle insurance with AXA.

Statement of costs
Accidental damage
Damage to storage box CHF 250
Theft of motorcycle helmet CHF 359
Theft of leather jacket CHF 899
Grand total damage/loss CHF 1,508
Igor's deductible CHF 0
Compensation by AXA CHF 1,508

Aquaplaning

Adrian is heading to work one morning in fall. The road is still wet as it has rained in the night. In a bend, he loses control over his motorcycle and falls. AXA motorcycle insurance covers the damage.

Statement of costs
Accidental damage
Towing CHF 350
Damage to the motorcycle CHF 7, 559
Grand total damage/loss CHF 7,909
Adrian's deductible CHF 500
Compensation by AXA CHF 7,409

Collision with a car

Motorcycle rider Martina violates the right of way at an intersection at the same time as a car is approaching the intersection. Martina can no longer prevent a collision and crashes into the car side-on. AXA motorcycle insurance covers the damage.

Statement of costs
Accidental damage (for Martina's motorcycle)
Towing CHF 350
Total damage to motorcycle CHF 15, 841
Liability claim (for the car)
Towing CHF 350
Damage to the car CHF 7, 899
Grand total damage/loss CHF 24, 440
Martina's deductible CHF 1, 000
Compensation by AXA CHF 23, 440

Support and frequently asked questions

Do I need additional assistance for my vehicle?

Mobility coverage is included in accidental damage insurance. While mobility coverage in accidental damage insurance covers only your own motorcycle, vehicle assistance as part of INTERTOURS travel insurance ensures that you're covered for trips with any vehicle (e.g. rented motorcycle).
Will my leather jacket be covered if it gets damaged in an accident?

Yes, with optional coverage for transported belongings, your motorcycle outfit is also insured.
Do I always have to inform the police if I have an accident?

No. In the case of a minor accident, filling out an accident report is sufficient. However, if the question of who was at fault is unclear, it's always advisable to call the police. If someone is injured, you must, by law, inform the police.
In case of a collision with an animal, you must inform the police or responsible game warden immediately.
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.

Certificate of insurance / change of vehicle: What do I have to do?

Call us and we will send the certificate of insurance directly to the department of motor vehicles by electronic means.
When does my premium rise following a claim?

If you file a liability or full accidental damage (e.g. collision) claim before September 30, your premium will increase from January 1 of the following year. In the case of claims you file between September 30 and December 31, you will start paying a higher premium only from January 1 of the year after the following year.

Worry-free rides on two wheels Motorcycle insurance

Advantages of AXA's motorcycle insurance