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Motorcycle & scooter insurance

Liability Package
12 months of driving
for the price of 9!

Enjoy a full year of driving and flexibility for the price of just 9 months! 
Liability insurance
Deductible from CHF 0
Part comprehensive insurance
Deductible from CHF 0
with repairs carried out at a garage of your own choice
Fully Comprehensive
Deductible from CHF 500
with repairs carried out at a garage of your own choice
Part Comprehensive
12 months of driving
for the price of 9!

Enjoy a full year of driving and flexibility for the price of just 9 months! 
Liability insurance
Deductible from CHF 0
Part comprehensive insurance
Deductible from CHF 0
with repairs carried out at a garage of your own choice
 
Fully Comprehensive
Deductible from CHF 500
with repairs carried out at a garage of your own choice
Fully Comprehensive
12 months of driving for the price of 9!
Enjoy a full year of driving and flexibility for the price of just 9 months! 
Liability insurance
Deductible from CHF 0
Part comprehensive insurance
Deductible from CHF 0
with repairs carried out at a garage of your own choice
 
Fully Comprehensive
Deductible from CHF 500
with repairs carried out at a garage of your own choice
 

The Liability Package at a glance

What is liability insurance?

Liability insurance is required by law and must be held by every vehicle owner, including owners of motorcycles, mopeds and scooters.
It covers damage to third-party property (e.g. third-party vehicles) and injury to persons caused with your vehicle by you as the registered owner/driver or by a person for whom you are responsible.
It covers the costs of justly asserted claims and defends you against unjustly asserted liability claims.

Amount insured: CHF 100 million

Free choice of deductible
The deductible for liability insurance can be set individually as required, from CHF 0 to CHF 10,000. For drivers under the age of 25, there is an additional deductible of CHF 1,000.

Our Terms and Conditions
So that you know exactly how safe you are with us on the road.
 

The Part Comprehensive Package at a glance

The baloisedirect.ch Part Comprehensive Package for motorcycles and scooters includes liability and part comprehensive cover.

What is covered by part comprehensive insurance?
Financial protection against damage to your vehicle
  • Theft or attempted
  • Falling rocks
  • Collision with animals
  • Damage caused by martens
  • Natural hazards such as hail, snow, storms and landslides
  • Fire
  • Short circuits
  • Cover of costs in the event of vandalism of your vehicle, such as the breaking off of aerials, rear view mirrors, windscreen wipers, or similar
In other words:
We provide benefits for damage to insured vehicles resulting from fire, natural hazards, vandalism, glass breakage, marten bites, collisions with animals and theft. If necessary, we also cover the vehicle recovery costs in such cases.

baloisedirect.ch motorcycle insurance with the option of a current value supplement
  • The current value is the amount that would be required to replace or restore the vehicle, minus depreciation due to age, wear and tear, or other similar causes.
  • The idea is to cushion the significant loss in value of the vehicle over the first few years. This is especially beneficial in the event of total loss or theft.
  • New value insurance in the case of total loss during the first two years of use
  • In the event of total loss or theft, you will receive up to 20 per cent of the list price in addition to the current value if you have added the current value supplement option to your insurance.
  • The current value supplement applies for vehicles up to 15 years old.
What is liability insurance?
Liability insurance is required by law and must be held by every vehicle owner, including owners of motorcycles, mopeds and scooters.

It covers any damage that you as the driver of a motor vehicle cause to other road users, animals or property. It protects you against unjustified claims made against you.

Free choice of deductible
The deductible for liability and part comprehensive coverage can be set individually as required, from CHF 0 to CHF 10,000. 
The deductible for liability claims for drivers under the age of 25 is CHF 1,000.

Our Terms and Conditions
So that you know exactly how safe you are with us on the road.
 

The Fully Comprehensive Package at a glance

The baloisedirect.ch Fully Comprehensive Package for motorcycles and scooters includes liability, part comprehensive and collision insurance.
Fully comprehensive insurance covers damage to your own motorcycle as a result of being scratched or painted, damage while parked and collisions.

Benefits of the Fully Comprehensive Package
  • Comprehensive financial cover for damage caused by, with or to your vehicle
  • Fully comprehensive insurance includes all the benefits of part comprehensive insurance (see section 'What is covered by part comprehensive insurance'). In addition, it provides financial cover in the case of collision damage.
What is covered by part comprehensive insurance?
Financial protection against damage to your vehicle
  • Theft or attempted
  • Falling rocks
  • Collision with animals
  • Damage caused by martens
  • Natural hazards such as hail, snow, storms and landslides
  • Fire
  • Short circuits
  • Cover of costs in the event of vandalism of your vehicle, such as the breaking off of aerials, rear view mirrors, windscreen wipers, or similar
In other words:
We provide benefits for damage to insured vehicles resulting from fire, natural hazards, vandalism, glass breakage, marten bites, collisions with animals and theft. If necessary, we also cover the vehicle recovery costs in such cases.

All baloisedirect.ch baloisedirect.ch motorcycle insurance includes a current value supplement
The current value is the amount that would be required to replace or restore the vehicle, less depreciation due to age, wear and tear, or other similar causes. In the event of total loss or theft, you receive 10 to 20 per cent of the list price in addition to the current value, if you have included the current value supplement in your insurance cover. The current value supplement can be applied to vehicles that are up to 15 years old.

What is liability insurance?
Liability insurance is statutory insurance required by every vehicle owner, including owners of motorcycles, scooters and mopeds. It covers any damage that you as the driver of a motor vehicle cause to other vehicles, animals or property.

It provides cover for unjustified claims made against you.

Free choice of deductible
The deductible for liability and part comprehensive coverage can be set individually as required, from CHF 0 to CHF 10,000. 
The deductible for liability claims for drivers under the age of 25 is CHF 1,000.

Our Terms and Conditions
So that you know exactly how safe you are with us on the road.
 

The benefits of baloisedirect.ch

Benefit from baloisedirect.ch's low annual rate. Thanks to our low premiums, there is no need to declare your vehicle off-road during the winter months. If, however, you do want to hand in your licence plate, then this is still possible, of course. Coverage under the part comprehensive insurance continues to apply for 6 more months.

Enjoy 12 months of driving for the price of 9!


You can extend your basic (part or fully comprehensive) insurance cover with supplementary options, such as no-claims bonus protection, motorcycle clothing insurance and the Safety Package including gross negligence cover.

If you have any queries about the motorcycle insurance or our supplementary options, please visit our FAQs page on motorcycle and scooter insurance. Please visit our FAQ page on motorcycle and scooter insurance.
   

Supplementary options

No-claims bonus protection

If no-claims bonus protection is included, the premium remains unchanged even after the first claim per observation period.

  • No increase in premium after the first claim!
  • Safeguard your premium level.
  • Available in both the Part Comprehensive and Fully Comprehensive Package

Vehicle lights cover

Supplementary insurance against damage to the lighting system:

  • Headlights
  • Tail lights
  • Indicators

Deductible: CHF 0

Safety clothing for motorcyclists

Damage to safety clothing.

Insured amount: CHF 2,000
Deductible: CHF 0

Safety Package Carefree

With the Safety Package, we protect you against the financial consequences even in the event of an accident caused by gross negligence (for example, driving through a red light or distraction by passengers).

After a serious accident, we cover the costs of psychological counselling (up to a value of CHF 1,500) and a driving safety course or driving lessons (up to a value of CHF 500) so that you regain a sense of safety and confidence on the road.

In addition, key replacement and lock change costs are covered in the event of loss, theft or damage to the vehicle keys (up to a value of CHF 5,000).

Assistance

We provide assistance in the event of breakdowns, accidents, theft or natural hazards with our roadside breakdown service and vehicle recovery service, as well as arranging and paying for the trip home for all occupants of the vehicle, accommodation if required and return transport of the unroadworthy vehicle.

The SOS Breakdown Service additional cover applies throughout Europe and in the countries bordering the Mediterranean, excluding Kosovo, Russia, Georgia, Armenia, Azerbaijan and Kazakhstan.

Accident insurance

The driver and passengers are insured when using the vehicle in the event of an accident as defined in the Swiss Federal Law on Accident Insurance (UVG).

Lump-sum death benefit: CHF 20,000
Lump-sum disability benefit: CHF 100,000
     
  Please note that Baloise Insurance only provides information officially in German, French and Italian.
 

This means that you will receive all official documents, such as policy documents, invoices, Terms & Conditions, etc., in a choice of German, French or Italian. If you have any queries regarding our online insurance solutions, please contact us or arrange an appointment for us to call you.

 
     

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