Which motor vehicles are subject to mandatory insurance?

Anyone who is the registered owner of a car, motorcycle, or moped is also required to insure the vehicle against third-party liability. If damage is caused by a motor vehicle, the injured party has a direct right of claim against the vehicle’s insurer. The purpose of this legal requirement is to protect victims of damage caused by motor vehicles.

Compulsory Motor Vehicle Insurance

All vehicles propelled by mechanical and/or electrical power fall under the definition of a motor vehicle. In short, third-party liability insurance must be purchased for the following motor vehicles:
• Cars, trucks, and similar vehicles
• Motorcycles, mopeds, three-wheeled motor scooters, light mopeds, bicycles with auxiliary motors, and scooters
• Other registered vehicles listed in your name.

Is insurance required for electric bikes?

A distinction must be made here between standard electric bicycles with pedal assistance and high-speed electric bicycles. Insurance is not required if the pedal assistance cuts off at 25 kilometers per hour. The electric motor has a maximum power output of 250 watts. The high-speed electric bicycle can reach a speed of 45 kilometers per hour. The electric motor also has a higher power output. Insurance is mandatory for these electric bicycles. These bicycles must also be registered. Starting in 2017, riders of these bicycles are also required to wear a helmet.

There is no mandatory insurance requirement for standard electric bicycles with pedal assistance. In the event of damage, a claim can be filed under personal liability insurance (AVP). This insurance is often purchased in combination with home and contents insurance. Bicycle insurance is not mandatory but is definitely recommended.