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| all bikes need them and 2005 vignette is valid until May IIRC.
It covers 3rd party insurance and Migros have the cheapest ones.
Cops will check that you have one if you get stopped (and fined for riding through Stauffacher  ) | |
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3rd Party in this case is both personal and effects and you can often find them on special offer ie for nothing from shops like Denner when you spend over CHF 50.