Insure motorcycle for new season
Spring is just around the corner, time to get your motorcycle out of storage. Before you hit the road, arrange insurance for your most cherished machine. Read here what to look out for when choosing motorcycle insurance.
Of course, the motorbike is often used for commuting to work (very handy in traffic jams) or as a sports bike, but most motorbike enthusiasts are fair-weather riders and tour mainly at the weekend. You would like to insure your motorbike well, because an accident is just around the corner. In traffic, you have to take into account that you are vulnerable as a motorcyclist. Drivers of cars often overlook you. They do not take into account the speed of a motorbike and often do not look closely in their mirrors. Even a parked motorbike is sometimes rammed by a motorist who drives way too fast into an 'empty' parking space.
Clothing and helmet
Weather conditions or a bad road surface naturally have a greater effect on a motorcyclist than on a car driver. No wonder most motorbikes stay in the garage when it rains, the risk of skidding is many times greater on a wet road surface. But once you're on the road, it doesn't always stay dry, so there's always the risk of falls. For this, you wear a helmet and protective clothing, of course, but after a fall it is often better to get rid of them. A helmet that has taken a blow once is written off, and motorbike clothing often burns when it rubs against the asphalt.
Fellow passengers, parking and theft
If you regularly go on passes with a pillion passenger, then you bear additional responsibility. Fortunately, most insurance policies co-insure passengers. In addition, a motorcycle is a desirable object and therefore susceptible to theft or vandalism. When choosing your insurance, be sure to include this in your consideration. It is also a good idea to check whether your motorcycle is insured even when parked.
Driving experience counts
Some insurances take into account how much experience you have driving a car. There are insurances where the premium becomes lower when you are older. And that, of course, is good news for men who don't make their motorbike dreams come true until after the age of 50. Old motorbikes are also often cheaper to insure than new ones. The idea behind this is that old motorbikes have cheaper spare parts and repair costs.
Abroad
If you regularly tour abroad, you should check whether your insurance is valid there. And are you entitled to replacement transport when your motorbike comes to a standstill at the side of the road?
Legal help is not a nonsense
That motorbike was just there, he was driving way too fast! That is a frequently heard comment from motorists. Remember that as a motorcyclist, you often have the wrong impression when you are involved in an accident. There are so many prejudices and motorists love to shift the blame onto you. That's why it's a good idea to include legal aid in your insurance. Many insurances offer this as an extra option.
Check!
In short, the following things need to be considered when taking out motorbike insurance:
- How well are you and your fellow passenger insured?
- Are accessories such as clothing and helmet included in the insurance?
- Does the insurance cover theft and vandalism (also in the garage)?
- Are you entitled to replacement transport?
- How does the age of yourself and your bike plus driving experience count?
- Is your parked motorbike also insured?
- In which countries is your insurance valid?
- Is legal aid included?
Calculate the premium of your motorbike insurance directly!
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