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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. 
• Vehicle legal protection: This supplement gives you legal protection when you’re driving your car or riding your motorbike. Our experts advise you on legal questions about the next steps and support you if there are any disputes about your vehicle. For example, if you’d like to contest the excessive bill you’ve received from your car garage.
• 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 service: We 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.