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  #121  
Old 23.04.2012, 12:14
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Is a insurance that covers third party damages now mandatory?
No, it is not.

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Just to get it clear, as far as i know private liability insurance is not obligatory (not like that health insurance per say), no ? so if one has a bike and does not want to have this insurance and you kindly mentioned the vingette is a past...wht are the other options?
Not sure what you mean. There's no requirement to have any 3rd-party insurance, so your options are simple - you either have it or you don't have it. Some here seem to be of the opinion that it's too risky to venture out without being insured, which is their choice. My choice is that I don't feel the need.

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  #122  
Old 23.04.2012, 19:35
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Re: Velo Vignette: A few questions...

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No, it is not.



Not sure what you mean. There's no requirement to have any 3rd-party insurance, so your options are simple - you either have it or you don't have it. Some here seem to be of the opinion that it's too risky to venture out without being insured, which is their choice. My choice is that I don't feel the need.
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You are correct. There is no legal obligation to have 3rd party liability insurance.

The ONLY option (that I know of) to protect yourself if you are to ride a bike is to now have a 3rd party liability insurance since the velo vignette system no longer exists.
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Just to get it clear, as far as i know private liability insurance is not obligatory (not like that health insurance per say), no ? so if one has a bike and does not want to have this insurance and you kindly mentioned the vingette is a past...wht are the other options?
Is it for sure?
The Vignette was mandatory and but the 3rd party liability insurance not??? Better so.

Like Ace1, I don't feel it should be.
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  #123  
Old 23.04.2012, 20:45
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Re: Velo Vignette: A few questions...

Scroilling through the questions it looks like our little local post office was more informative than most when I went to buy vignettes for the bikes this year. The lady explained it had been discontinued & gave me an explanatory leaflet. http://www.velovignette-ade.ch/ The link here is for a site that explains the situation. Rationale is simply that the process is expensive & inefficient and the majority of people (90% according to the statistics) already have insurance through their household policies anyway. Insurers are starting to offer tailored policies for those wh are not covered.

Not taking out this sort of insurance is pretty low risk - but having it doesn't cost the earth either - but if you don't care you won't bother doing it will you?
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  #124  
Old 23.04.2012, 22:45
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Re: Velo Vignette: A few questions...

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Scroilling through the questions it looks like our little local post office was more informative than most when I went to buy vignettes for the bikes this year. The lady explained it had been discontinued & gave me an explanatory leaflet. http://www.velovignette-ade.ch/ The link here is for a site that explains the situation. Rationale is simply that the process is expensive & inefficient and the majority of people (90% according to the statistics) already have insurance through their household policies anyway. Insurers are starting to offer tailored policies for those wh are not covered.

Not taking out this sort of insurance is pretty low risk - but having it doesn't cost the earth either - but if you don't care you won't bother doing it will you?
TBH I know in my heart that I really should get insured for our Swiss residences' contents, which would probably include 3rd party liability as well, so while I wouldn't bother doing it on its own, a no-cost addition to a policy that I really, really, ought to get, is a no-brainer.
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  #125  
Old 23.04.2012, 23:00
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Re: Velo Vignette: A few questions...

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TBH I know in my heart that I really should get insured for our Swiss residences' contents, which would probably include 3rd party liability as well, so while I wouldn't bother doing it on its own, a no-cost addition to a policy that I really, really, ought to get, is a no-brainer.
The vignette also covered you for theft of the bike, something which the right household policy would also do for little or no cost depending on the value of the bike. You do need to make a note of the bike's frame number of course, so you have something to trace and give to the police in the event of theft in place of the vignette number.

You definitely should get household cover - burglary, fire, flood are much higher probability risks than a third party claim whilst riding a bike.
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  #126  
Old 23.04.2012, 23:23
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Re: Velo Vignette: A few questions...

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The vignette also covered you for theft of the bike,
No it didn't.
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  #127  
Old 24.04.2012, 07:45
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Re: Velo Vignette: A few questions...

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No it didn't.
Oh yes it did, plus it acted as an identifier of the bike. You could register the thing via sms
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  #128  
Old 24.04.2012, 10:11
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Re: Velo Vignette: A few questions...

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Oh yes it did, plus it acted as an identifier of the bike. You could register the thing via sms
No, really it didn't. My wife had one stolen in Basel last year, ironically an old ladies tourer worth three tenths of sweet FA. Of course she had a vignette and was informed in no uncertain terms that it would not cover her loss.
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  #129  
Old 24.04.2012, 10:23
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Re: Velo Vignette: A few questions...

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Oh yes it did, plus it acted as an identifier of the bike. You could register the thing via sms
Identifier yes. Theft insurance no.
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  #130  
Old 24.04.2012, 13:18
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Re: Velo Vignette: A few questions...

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Oh yes it did
Behind you!
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  #131  
Old 26.04.2012, 01:39
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Re: Velo Vignette: A few questions...

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No, really it didn't. My wife had one stolen in Basel last year, ironically an old ladies tourer worth three tenths of sweet FA. Of course she had a vignette and was informed in no uncertain terms that it would not cover her loss.
You're right - my bad memory, the sms service was a bike locator, not insurance
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  #132  
Old 13.07.2012, 15:32
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Re: Velo Vignette: A few questions...

Now that the Velo Vignette is not valid anymore, I'm in the following situation:

- A relative came from overseas and would like to do some biking
- My relative is obviously not covered by my own Private liability insurance

How can I proceed to make sure my relative can ride my bicycle with some kind of insurance against possible damages to third parties?
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  #133  
Old 13.07.2012, 16:03
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Re: Velo Vignette: A few questions...

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Now that the Velo Vignette is not valid anymore, I'm in the following situation:

- A relative came from overseas and would like to do some biking
- My relative is obviously not covered by my own Private liability insurance

How can I proceed to make sure my relative can ride my bicycle with some kind of insurance against possible damages to third parties?
Well that's going to be up to him, I suppose, to ensure he has a travel policy that includes liability. But if you read the thread you'll see that it's not actually required, so you could let him make his own choices.
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  #134  
Old 16.10.2012, 16:07
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Re: Velo Vignette: A few questions...

In the event that you do not have a personal Third Party Insurance in Switzerland, there is now an option to insure yourself when on your bike (a bit like the old velo vignette system).

It is called "Suisse Velo" and is run by a subsidiary of Nationale Suisse Insurance.

Their basic package CHF 9.90 per year has CHF 1'000'000 of personal liability insurance. They also offer a more expensive package with insurance on theft on bike etc.

Link DE: https://www.suisse-velo.ch/kaufen/in...sp?userlang=DE
Link FR: https://www.suisse-velo.ch/kaufen/intro/default.asp

You actually buy the package from a store (list on the PDF) and then you register on their website.

Store link: https://www.suisse-velo.ch/partner.pdf

It is probably a bit late for this year, but now you have the details for next year.
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  #135  
Old 19.06.2013, 12:38
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Re: Velo Vignette: A few questions...

does this new vignette cover mountain biking as well?

and if i buy a package is it good for one bike or all my bikes?
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  #136  
Old 01.04.2015, 21:54
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Bike insurance

Does anyone know how a bike insurance work here in Switzerland? Do I need to register my bike somehow?
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  #137  
Old 01.04.2015, 23:13
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Re: Bike insurance

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Does anyone know how a bike insurance work here in Switzerland? Do I need to register my bike somehow?
Your personal liability insurance will cover anything that involves bike accidents caused by you.

Insurance against theft (of a bike) is typically included in household insurance for the case where the theft takes place at home. Theft outside of your own ("auswärtiger Diebstahl") is typically only insured when you explicitly choose to include it. This will result in an increased premium.

In Switzerland, personal liability and household insurance typically are sold as one package - see https://en.comparis.ch/hausrat-versi...g/default.aspx for starters, but be aware that this is only a subset of the market.
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  #138  
Old 02.04.2015, 13:05
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Re: Bike insurance

I thought you needed those "bike stickers" on all bicycles?
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  #139  
Old 02.04.2015, 13:23
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Re: Bike insurance

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I thought you needed those "bike stickers" on all bicycles?
No. Not since 2011.

I'm merging this with another thread where you can find all the pertinent details.
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