Liability insurance is required for plates
As with a car, a two-wheeler registered in Switzerland must be insured for liability with a Swiss insurer before obtaining plates.
At least CHF 5 million in liability cover
Liability insurance must cover injured parties’ claims up to at least CHF 5 million per event for bodily injury and property damage.
Finwise compares motorcycle and scooter cover
We analyse engine size, use, parking, bonus and your current cover to build coherent protection.
Simple motorcycle and scooter diagram
Same logic as car insurance, with more specific use and gear.
- By value Casco Partial or fully comprehensive by bike
- Mandatory Motorcycle / scooter liability Damage caused to others
Power, parking and seasonality strongly affect the choice.
Which cover should you choose for a two-wheeler?
What to know before comparing two-wheeler insurance
Motorcycle, scooter, 125 cc or large engine: premium and conditions vary strongly with power, rider age, bonus, parking location and use (daily, weekend, leisure). Two offers close in price may differ on deductible, indemnity value, theft or assistance.
The insurer sends the electronic insurance certificate to the cantonal vehicle office. Without this certificate, the vehicle registration document and plates are not issued.
Watch theft and parking
A scooter used in town deserves a careful look at theft cover, deductibles and required security conditions (lock, garage, parking).
Full casco often recommended
A new or recent motorcycle may justify collision casco, especially if a repair or replacement would be hard to absorb.
Check cover suspension
Some policies allow cover to be adapted out of season. We check whether this really applies to your situation.
Watch the bonus and deductible
The premium can vary significantly depending on age, experience and type of two-wheeler. Bonus protection can become strategic.
Common pitfalls we check with you
Motorcycle or scooter insurance is not judged only by its premium. Finwise also looks at the deductible, theft, gear, assistance and the real risk of a claim.
How Finwise handles your two-wheeler file
We collect your current policy, vehicle details, use and any constraints.
We compare several offers with comparable benefits and clearly explain the important differences.
We explain what to keep, what to remove and which options are truly worth it.
We support you with subscription, the electronic certificate, switching insurer or cancellation.
I already have motorcycle or scooter insurance: can I switch?
Yes, but you must respect cancellation deadlines, check the policy renewal date and avoid any interruption in cover. When switching, the new electronic certificate must be sent to the relevant vehicle office so that your registration remains in order.
Why ask Finwise for help?
Une assurance 2-roues ne doit pas être choisie uniquement sur un comparateur. Finwise vous aide à arbitrer entre prix, niveau de protection, franchise, vol, assistance véhicule et risque réel. Nous vérifions aussi si une protection juridique circulation est utile pour vos litiges liés à la route.
Are you buying a motorcycle or scooter, changing engine size or simply looking to reduce your premium? We prepare a clear comparison and support you through to setup.
Finwise compares with recognized partners
We work with several market players to compare benefits, premiums and conditions. The goal is not to sell the first offer, but to select the one that matches your two-wheeler and situation.
Complete your mobility cover
Good motorcycle or scooter cover rarely works alone. Depending on your use, it may be useful to coordinate vehicle insurance with breakdown assistance and traffic disputes.