Partial or comprehensive accidental damage insurance – which is best?Partial accidental damage insurance covers damage to your own vehicle that you do not cause. Comprehensive accidental damage insurance does the same, but also protects you from damage you cause as a result of a collision.

Partial accidental damage cover

• Fire, theft, glass breakage
• Martens, vandalism
• Natural events such as storms, hail, landslides, avalanches, rockslides, floods

Comprehensive accidental damage insurance
Covers everything covered by partial accidental damage insurance as well as damage you cause as the result of collisions, crashes, impacts, overturning and sinking.

24-hour emergency services – worldwide
Regardless of whether you take out partial or comprehensive accidental damage insurance, our 24-hour breakdown assistance and assistance services are automatically included in every accidental damage insurance policy. We are always happy to help in the event of an emergency. Round the clock and anywhere in the world. 

What does third party liability insurance cover?
In Switzerland, third party liability insurance is mandatory for all motor vehicles. It covers any damages to third parties and property damage to vehicles or other items caused by yourself or another driver with your motor vehicle. We offer effective insurance coverage of up to CHF 100 million for damages you cause.

What does accident insurance cover?
It’s bad enough to be injured in an accident. But our accident insurance will at least protect you and your passengers from any costs associated with an accident with your vehicle. Generali offers concrete support immediately, providing benefits even before liability has been established.

Coverage types 

• Disability
• Death 
• Daily hospital allowance 
• Treatment costs

What does gross negligence insurance cover?
This insurance covers claims even in the event that you violated traffic laws in a grossly negligent manner. This could be something as minor as overlooking a stop sign. The law grants insurance companies a right of recourse and reduction to benefits in these cases. Gross negligence insurance makes sure you are covered.

What does parked vehicle damage insurance cover?
If another person has caused damage to your vehicle, the case is clear: Their liability insurance must pay for the damages. But what do you do if you don’t know who it was? In that case, it’s a good idea to have our parked vehicle damage insurance, which covers damages to your parked vehicle caused by unknown third parties.

Common damage to parked vehicles

• Broken rear-view mirror
• Paint scratches 
• Dented bodywork

What does the add-on «protective clothing» cover?
The add-on «protective clothing» includes both the driver’s protective clothing and that of the passenger. Protective clothing includes helmets, suits including protectors and air bags, protective suits, boots and gloves. This list is exhaustive.

In the event of theft, the protective clothing must be locked inside fully locked containers that are permanently mounted on the motorcycle and secured against theft. Theft of helmets is also insured if they were secured to the motorcycle with a helmet lock.