PostFinance motorcycle insurance

Comprehensive protection for full driving pleasure

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.

PostFinance motorcycle insurance: always playing it safe

  • 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

  • Basic coverage

    Liability insurance
    Liability insurance is required by law and covers damage that you cause to other people, vehicles, buildings or the environment.
    Partially comprehensive insurance
    Partial comprehensive insurance covers damage caused by natural hazards, fire and theft, as well as glass damage to your motorcycle.
    Fully comprehensive insurance
    Fully comprehensive insurance extends your partially comprehensive insurance to include coverage for collision damage. 

    Additional coverage – expand your insurance coverage

    Safety clothing
    The driver of the insured motorcycle is insured against theft of or damage to their safety clothing.
    Gross negligence
    The insurance company will refrain from recourse or a reduction in benefits in the event of damage caused by negligence.
    Breakdown service assistance
    We help drivers throughout Europe if they experience a breakdown, lose their keys or run out of petrol.
    Parking damages
    Covers damage caused by unknown individuals to your parked motorcycle.
    Personal belongings
    Covers damage to and theft of personal belongings that you are transporting on your motorcycle.
    Vehicle legal protection
    Covers legal disputes that arise from the use of the insured motorcycle.
    Value supplement
    Following a total loss, the current value of the motorcycle plus a supplement is compensated.
    Passenger accident insurance
    Your insurance will also cover passengers in the event of consequential damage following an accident when using the motorcycle.

    Premium calculator

    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:

      • if you are changing policies: the original vehicle registration document
      • If you are purchasing a used vehicle: the original vehicle registration document so it can be cancelled
      • If you are purchasing a new vehicle: audit report 13.20A
    • 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.

      • The most frequent driver must be aged 20 or over
      • Date: when purchasing a new or used motorcycle or when changing insurer by giving due notice to the previous insurer
      • Current domicile in Switzerland
      • A valid mobile phone number must be provided (required for communication and to log in)
      • There is no requirement to have an account with PostFinance.
    • Motorcycles for private use are insurable, e.g. scooters or motorcycles.

      Currently, non-insurable vehicles include vehicles that are 25 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:

      • If you replace your old motorcycle with a new one,
        for example, the insurance for the old motorcycle can be cancelled. Let the current insurance provider know quickly, so that they can terminate the contract and refund on a pro rata basis the annual premium that has been paid in advance. No premium can be refunded in the event of total loss.
      • If the premium changes
        If the insurer changes the amount of the premium or the excess, or if they reduce the benefits, you can cancel with effect from the date of the contract amendment. The notice of termination must have been received by the insurer before the new premium applies.
      • If there is a change of owner
        If there is a change of owner, the comprehensive insurance cover will cease. The personal liability insurance cover will be transferred to the new owner, however. The new owner may cancel this within 14 days of the transfer. The old personal liability insurance expires once the new party is entered on the registration document. Some insurers do not accept a transfer within the family as a reason for termination.
      • In the event of a claim
        If the insurer pays compensation in the event of a claim, you may terminate the policy. The deadlines are governed by the General Terms and Conditions of Insurance (GTCI). The liability of the insurer ends 14 days after the notice of termination is received. If the contract has been in force for longer than one year and the damages do not constitute a write-off, you will receive the prepaid annual premium back on a pro rata basis.
    • 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 the vehicle is registered before the commencement of cover date that is indicated in the policy, the vehicle will be insured starting from the commencement of cover date. If the vehicle is registered after the commencement of cover date that is indicated in the policy, the vehicle will be insured starting from the date of registration of the vehicle.

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