Motorcycle insurance

Whether a powerful motorbike or urban Vespa, riding a motorcycle embodies freedom, that feeling only gets better when you know you are properly protected. Our motorcycle insurance provides you with reliable protection.

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How motorcycle insurance works

Our motorcycle insurance offers you comprehensive protection according to your needs. You might only require the basic services of third-party liability and accidental damage insurance, or want additional cover for things like gross negligence or parking damage – it’s entirely up to you.

Your benefits

Safe wherever you go

Protection you can bank on.

  • Individual and comprehensive insurance coverage
  • 24/7 breakdown cover as part of accidental damage insurance
  • Additional benefits to suit your individual needs
  • Seasonal coverage: only pay when using your motorcycle
24/7 emergency hotline 0848 800 400

Rapid assistance and support in emergencies.

  • We're there for you around the clock
  • Assistance services worldwide
  • Breakdown assistance
  • Towing assistance

Motorcycle insurance at a glance

Basic cover

Accidental damage

Third-party liability


Supplementary cover

Gross negligence

Parking damage

Protective clothing

Our advisors are there for you

Our competent advisor team will find the right solutions for you.

Coverage types in detail

In brief

  • Partial or comprehensive insurance
  • Worldwide assistance in an emergency
  • 24/7 breakdown and towing assistance
  • Choose your own deductible

Partial or comprehensive accidental damage insurance – which is best?Partial accidental damage insurance covers damage to your own vehicle that you do not cause. Comprehensive accidental damage insurance does the same, but also protects you from damage you cause as a result of a collision.

Partial accidental damage cover

  • Fire, theft, glass breakage
  • Martens, vandalism
  • Natural events such as storms, hail, landslides, avalanches, rockslides, floods

Comprehensive accidental damage insurance
Covers everything covered by partial accidental damage insurance as well as damage you cause as the result of collisions, crashes, impacts, overturning and sinking.


24-hour emergency services – worldwide
Regardless of whether you take out partial or comprehensive accidental damage insurance, our 24-hour breakdown assistance and assistance services are automatically included in every accidental damage insurance policy. We are always happy to help in the event of an emergency. Round the clock and anywhere in the world. 

In brief

  • Compulsory insurance
  • Covering claims made against you
  • Up to CHF 100 million in cover
  • Choose your own deductible

What does third party liability insurance cover?
In Switzerland, third party liability insurance is mandatory for all motor vehicles. It covers any damages to third parties and property damage to vehicles or other items caused by yourself or another driver with your motor vehicle. We offer effective insurance coverage of up to CHF 100 million for damages you cause.

In brief

  • Covers motorcycle accidents
  • Covers disability and death
  • Daily hospital allowance and treatment
  • Choose your own deductible

What does accident insurance cover?
It’s bad enough to be injured in an accident. But our accident insurance will at least protect you and your passengers from any costs associated with an accident with your vehicle. Generali offers concrete support immediately, providing benefits even before liability has been established.

Coverage types 

  • Disability
  • Death 
  • Daily hospital allowance 
  • Treatment costs

In brief

  • Pays benefits no matter what
  • In the event of gross negligence
  • Waiver of our right of recourse
  • Waiver of our right of reduction

What does gross negligence insurance cover?
This insurance covers claims even in the event that you violated traffic laws in a grossly negligent manner. This could be something as minor as overlooking a stop sign. The law grants insurance companies a right of recourse and reduction to benefits in these cases. Gross negligence insurance makes sure you are covered.

In brief

  • For damage to parked cars
  • Caused by unknown parties
  • Covers 2 parking damage claims per year

What does parked vehicle damage insurance cover?
If another person has caused damage to your vehicle, the case is clear: Their liability insurance must pay for the damages. But what do you do if you don’t know who it was? In that case, it’s a good idea to have our parked vehicle damage insurance, which covers damages to your parked vehicle caused by unknown third parties.

Common damage to parked vehicles

  • Broken rear-view mirror
  • Paint scratches 
  • Dented bodywork

In brief

  • Compensation for replacement or repairs
  • Coverage in the event of theft
  • Includes cover for passenger’s clothing

What does the add-on «protective clothing» cover?
The add-on «protective clothing» includes both the driver’s protective clothing and that of the passenger. Protective clothing includes helmets, suits including protectors and air bags, protective suits, boots and gloves. This list is exhaustive.

In the event of theft, the protective clothing must be locked inside fully locked containers that are permanently mounted on the motorcycle and secured against theft. Theft of helmets is also insured if they were secured to the motorcycle with a helmet lock.

Many motorcyclists only use their bike when the weather is nice. That’s why we offer you the option of depositing your licence plates with us during the time that your motorcycle is off the road. During the period of deposit, you pay only for partial accidental damage cover, nothing else. Practical and cost-efficient!
Seasonal coverage

Protection you can bank on – take out motorcycle insurance now.

Customer opinions

Said Abd El Ham 29.04.2024
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Juha-Pekka P. 28.04.2024
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Gaurav M. 26.04.2024
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Kulyk T. 26.04.2024
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Rogior Maarten 12.04.2024
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Andrea S. 07.04.2024
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Melanie S. 04.04.2024
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Meng-Mei C. 29.03.2024
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Hugo Robert N. 27.03.2024
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Questions and answers

Report a claim

Do you need to notify us of an accident or report a claim? We are here for you.

0800 881 882

Download documents

Name File Size
General Policy Conditions PDF 0,3 Mb