Insurance

Cruizador Partner Insurance is Helvetia Insurance Company SA. We inform our users that the insurance covers the vehicle during the entire rental time and starts when the rental contract is signed by both parties, 

Renters

As a renter, as long as you comply to our general terms and conditions (here) and the traffic legislation, you are covered by Cruizador insurance. You can have detailed information on Helvetia general insurance conditions (here).

Private hirers

As a private owner, you are obliged to inform your insurance company that your motorcycle will be rented from time to time on Cruizador platform (occasional private rental). A template for the information letter is available here, at the bottom of the page (link).

This step accomplished, owners will ALWAYS be protected by Cruizador insurance, as long as they comply to our general terms and conditions (here) and provided they rented out their motorcycle over Cruizador platform.  All transactions made outside the platform will be considered as null and void by Cruizador. Consequently, owners will be responsible for damages on their own.

Professional hirers (garages, dealerships)

Professional hirers can also subscribe to Cruizador insurance, so that their premium are not affected in case of a damage. Please contact us to learn more.

Detailed insurance policy

Cruizador insurance partner is Helvetia Insurance Company SA. The insurance coverage is the following:

Type of vehicles covered Motorcycles (except from moped, quads & trailers)
Drivers (= renters) Aged 25 and above only
Valid driving license for at least 3 years
Category on the driving license has to match with the rented vehicle
Domain of validity Vehicles registered in Switzerland only
   
Comprehensive cover

Insured

Maximal indemnity per Vehicle (equipment & accessories incl.)

CHF

40’000.00

Deductible per comprehensive cover claim

CHF

1’000.00*

Deductible per comprehensive cover claim for drivers aged 20 to 25

CHF

n/a

Bonus level  

Z

     
Partially comprehensive cover  

Insured

Maximal indemnity per vehicle (equipment & accessories included)  

40’000.00

Deductible per event (partially comprehensive cover)

CHF

0.00

Glass Plus  

insured

Bonus level  

Z

     
Third-party liability    
Event including personal liability will covered by the compulsory liability protection of the vehicle’s owner. However, Helvetia will cover the deductible and a potential Bonus loss as follow;

We indemnify the Bonus loss and a CHF 500.- deductible charged to the vehicle owner’s by his insurance company. How will the bonus loss be calculated: to computed the potential loss, we take into consideration the 5 years following the claim, admitting that no other claim and no other modification of the premium impact the bonus during that period. The justification of these rights implies a confirmation from the liability protection insurance concerning the bonus incrementation and the deductible paid.

   
     
Double insurance    
In the event of a double insurance, this insurance policy prevails. This means that it can be used before the eventual comprehensive cover of the rented vehicle.    
     
Complementary insurances    
Gross negligence  

Insured

(Road) assistance  

Insured

Accident     At the renter’s discretion

* The deductible will be paid by the renters and not by the owners.

Accident insurance

Accident insurance is the renter’s responsibility. In Switzerland, people are most often insured against accidents by their employer.

Professional accident insurance generally also covers personal accidents . If you are self- or unemployed, it is strongly advised to subscribe to an accident insurance with your health insurance.

For more detailed information about the insurance protection, see the Standards Terms of Insurance (STI) available on our platform (here).

A specific question and no way to find the right answer? Send us an email or give us a call. We are here to help! (contact)

  • Owners, in case of a claim, please contact us directly before (centralized case management), during office time (contact).
  • Renters, you need road assistance outside the office hours? Please contact Helvetia assistance directly (contact).
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