Premium calculator
Calculate your premium with ease and without any obligation to purchase. We always assume the very lowest insurance grade.
With PostFinance motorcycle insurance, you can enjoy riding your motorbike to the full – throughout the year. You only pay for nine months, and are insured for the whole year. Choose between insurance packages that have been pre-configured for you, or put together your own coverage using our very attractive options so that you can be sure your motorcycle gear isn’t the only thing protecting you.
Top-quality insurance coverage at fair prices
Pay the premium for nine months only – no need to enter your license plate in winter
Free premium protection – no automatic premium adjustment in the event of a claim
Round-the-clock access to your information in the online cockpit
A three-month cancellation period – even within the contract term
10% discount with the SmartPlus banking package
Coverage | Description |
---|---|
Coverage Liability insurance |
Description Liability insurance is required by law and covers damage that you cause to other people, vehicles, buildings or the environment. |
Coverage Partially comprehensive insurance |
Description Partial comprehensive insurance covers damage caused by natural hazards, fire and theft, as well as glass damage to your motorcycle. |
Coverage Fully comprehensive insurance |
Description Fully comprehensive insurance extends your partially comprehensive insurance to include coverage for collision damage. |
Coverage | Description |
---|---|
Coverage Safety clothing |
Description The driver of the insured motorcycle is insured against theft of or damage to their safety clothing. |
Coverage Gross negligence |
Description The insurance company will refrain from recourse or a reduction in benefits in the event of damage caused by negligence. |
Coverage Breakdown service assistance |
Description We help drivers throughout Europe if they experience a breakdown, lose their keys or run out of petrol. |
Coverage Parking damages |
Description Covers damage caused by unknown individuals to your parked motorcycle. |
Coverage Personal belongings |
Description Covers damage to and theft of personal belongings that you are transporting on your motorcycle. |
Coverage Vehicle legal protection |
Description Covers legal disputes that arise from the use of the insured motorcycle. |
Coverage Value supplement |
Description Following a total loss, the current value of the motorcycle plus a supplement is compensated. |
Coverage Passenger accident insurance |
Description Your insurance will also cover passengers in the event of consequential damage following an accident when using the motorcycle. |
Calculate your premium with ease and without any obligation to purchase. We always assume the very lowest insurance grade.
Calculate your premium online with the PostFinance The link will open in a new window premium calculator. The quotation is valid for 30 days and can be accepted at any time.
To make this process as easy as possible, ensure that you have your current vehicle registration document or the key vehicle information and your driving licence to hand.
Take out your PostFinance motorcycle insurance online in just a few minutes by accepting the insurance conditions in your online quotation and clicking on “Finish now”.
You will promptly receive a confirmation e-mail from us with a link. Please enter the relevant information for your proof of insurance here.
In order to take out a new motorcycle insurance policy, you will need to cancel your current policy. To do so, find out the notice period for your current policy. You can find the conditions either in the policy or the General Terms and Conditions of Insurance (GTCI).
Cancel your existing policy subject to the deadlines set out in the contract. To do so, you can use our The link will open in a new window cancellation letter template.
This step is not required if you are planning to register the motorcycle in your name for the first time (motorcycle purchase).
Once you have provided all the necessary information, we will send your proof of insurance to the driver and vehicle licensing office in your canton before your coverage commences.
We will notify you of this by e-mail so that you can register/reassign your motorcycle.
We recommend visiting the relevant driver and vehicle licensing office to do this in person 4 to 5 days before your coverage commences.
If you wish to register your vehicle by post, please contact the relevant driver and vehicle licensing office.
Please ensure you have all the necessary documents to hand:
Your coverage will commence automatically once you have registered/reassigned your vehicle at the relevant driver and vehicle licensing office.
As soon as PostFinance receives confirmation of this from the driver and vehicle licensing office, all the contractual documents will be sent to you by post.
You can register in PostFinance’s The link will open in a new window online cockpit at any time to ensure you have round-the-clock access to your insurance information.
The online cockpit provides assistance with PostFinance motorcycle insurance.
Motorcycles for private use are insurable, e.g. scooters or motorcycles.
Currently, non-insurable vehicles include vehicles that are 20 years old or more on the date of insurance and vehicles for business use (company vehicles), as well as two-wheel mopeds and quads.
An existing insurance policy with a previous insurer can be terminated by giving due notice, with effect from the end of the specified contractual period. The conditions can be found either in the policy or in the General Terms and Conditions of Insurance (GTCI). Usually, the notice period is three months before the end of the annual contract term. If the contract is not cancelled, it will normally be extended by a further year. In some cases, there are also non-cancellable multi-year contracts.
In the following cases, the insurance can be cancelled during the course of the year:
The detailed information on basic coverage, additional coverage and the contractual conditions can be found in our General Terms and Conditions of Insurance (GTCI). Read through this document before signing the contract and contact our Support if anything is unclear.
In principle, with PostFinance motorcycle insurance all other drivers are insured according to the agreed coverage, provided you have consented to their use of the vehicle. During the application process (onboarding), you will be asked to specify whether you are the only driver or if other drivers will be using the motorcycle. Please make sure that you have completed the declaration correctly. Otherwise, this could result in a reduction in benefits in the event of a claim.
Please note, however, that the excess for drivers under the age of 25 and new drivers (drivers who have had their driving license for less than three years) increases by CHF 1,000 in addition to the agreed excess. This applies to liability and collision events. The partial cover excess is not affected.
If you have the SmartPlus banking package, the insurance discount applies to all PostFinance property insurance policies (car, motorcycle, travel and legal protection insurance), except for those for which Great Lakes Insurance SE is the insurer. The discount is granted only once per insurance policy on an annual net premium (excluding taxes, duties, etc.) and is credited to your PostFinance private account within three months. The discount lapses or is not granted if your banking package is changed from Smart to SmartPlus and back within two years and/or if the policy is terminated and a new policy is taken out for the same insurance object.