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Old 15.05.2012, 15:00
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Motorbike insurance - TPL - 35%?

Hi all,

Just wondering - is 35% Third Party Liability good or bad? Can it be improved?

Also - is it true I can't insure a bike for only 6 month? Generali appear to only offer a yearly contract.
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Old 15.05.2012, 15:12
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Hi all,

Just wondering - is 35% Third Party Liability good or bad? Can it be improved?

Also - is it true I can't insure a bike for only 6 month? Generali appear to only offer a yearly contract.
Zurich had a 12 month policy that is charged as 9 months, seems a good compromise. If the sun shines out of season then the bike is always insured
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Old 15.05.2012, 15:14
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Re: Motorbike insurance - TPL - 35%?

You can get to 30% of the premium.

You can suspend some insurances. Even 'tho the policy is quoted on an annual basis you can return the plates to the strassenverkehrsamt in the winter and the policy is suspended, it reinstates when you get them back in the spring. There is however an admin fee from the strassenverkehrsamt for this.
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Old 15.05.2012, 15:25
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Re: Motorbike insurance - TPL - 35%?

OK, some of my bikes (i.e. the ones that I only have liability on) get insured year round, with a 25% discount for not handing in the plates.

The others I keep on the road for 2-7 months, and then hand in the plates. As long as they are off he road for at least three months, this is the cheaper option. Basically, you pay for a year, and get rebated the rest when you hand in the plates (taxes, too).

Also, I'm at 30%, so that makes insurance almost free!

Tom
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Old 15.05.2012, 15:30
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Re: Motorbike insurance - TPL - 35%?

Cheers guys - I was hoping for a solution that didn't involve forking a years insurance in one lump, but doesn't look like it'll work.
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Old 15.05.2012, 15:44
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Re: Motorbike insurance - TPL - 35%?

Well You don't necessarily have to... For example>Some of our covers can be paid half yearly or quarterly. There is however a 20 buck admin fee on each payment if one takes such an option.
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Old 15.05.2012, 17:58
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Re: Motorbike insurance - TPL - 35%?

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Hi all,

Just wondering - is 35% Third Party Liability good or bad? Can it be improved?
It depends: Paying CHF 350 at 35% is worse in the long run than paying CHF 400 at 50% (which would be CHF 360 at 45% the next year).
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Old 20.05.2012, 20:32
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Re: Motorbike insurance - TPL - 35%?

1. You can insure your bike, pay 1 year etc, but cancel it anytime with 1 month notice. You will get the balance back in cash or rebate for next insurance.

2. Always get 2 or 3 quotations, and they will then give you a good rate.

3. Try to stick to a company for 2 years, then switch.
The switch almost always pays off.

4. Calculate your machine price, cost to replace, etc. I found that it is best I take 3rd party with fire and theft and saved 30% from full coverage.
My new bike costs only 8kchf.

Take care and ride safe.

www.englishswissmotos.forumotion.net
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