How does insurance work when you are a biker?

Riding a motorcycle involves significant risks, so it is important to follow all traffic regulations and be properly equipped. It is also recommended that you sign up for a special insurance that will allow you to travel safely on the road. In France, only third party insurance is compulsory.

How to get insurance if you are a biker? What motorcycle insurance conditions do you need to know? How to properly protect your biker equipment? Here is the full point about features to consider when insuring motorcycles.

What are the features of motorcycle insurance?

Like auto insurance, motorcycle insurance is compulsory. You can simply sign up for a liability guarantee (minimum insurance required by law). In this case, if you are the source of the claim, your victim will be reimbursed.

all third parties are covered by the civil liability guarantee : pedestrians, cyclists, motorists, other motorcyclists, ... Good to know: Liability insurance, also known as third party insurance, also covers bodily injury caused to the driver (up to a certain amount).

If you have entered into a motorcycle insurance contract with a third party and you declared not guilty of accidentyou also need to know that you will be completely protected. Both for personal injury and property damage.

Thecomprehensive insurance offers motorcyclists a much broader guarantee as a guarantee of civil liability. Thus, by subscribing to this formula, you will be insured in the event of theft, natural disasters, glass breakage, etc. Unlike liability insurance, all-risk insurance will cover all damages incurred, whether the accident is the culprit or not. It is possible to adjust the scope of the guarantee due to certain options. For example, if you decide to get insurance coverage only if the accident happened to an identified third party.

Some insurers like Maaf also offer intermediate formulamore financially attractive than third party insurance, but offering more comprehensive coverage than comprehensive insurance. A trade-off that budding bikers in particular can explore.

Increase your biker gear warranty

One of the features of biker insurance is obviously equipment cover... Indeed, the budget for motorcycle equipment is a significant amount even for a beginner. The law requires at least a helmet and gloves to drive a scooter or motorcycle. But when you are a biker, it is advisable to be much more secure.

Here list of expected rider equipment costs :

• Consider about 350 € just for a jacket and trousers! To this you will have to add about 50 euros for reinforced gloves (no, ski gloves will not cope with their task for a long time, and you will have to quickly buy a specialized pair).
• Rest assured, buy a pair of special shoes to keep you mobile and still completely safe. Calculate an average of 150 €.
• Finally, the most important, of course, remains the helmet, which must be chosen with great care. Get professional advice and ask to try several models: your life is at stake! Preference should be given to helmets that meet the requirements of NF.

Please note that the helmet may differ depending on how you use your vehicle. Choose an integral if you plan to make long trips or an autodrome; for everyday use, you can be content with a jet frame or modular. Also pay attention to the weight of the helmet, which should weigh between 1,2 and 1,4 kg. And count on average € 200 for a helmet worthy of its name.

TotalThus, the biker equipment is 750 euros.... Therefore, it is necessary to choose suitable insurance that can reimburse the cost of the equipment in the event of a disaster. In the event of an accident, an assessment of the damaged equipment will be made, after which you will receive financial compensation to help you replace it. Please note that some insurers will reimburse the helmet prior to purchase.

Consolidate your insurance contracts: a smart calculation

If you are satisfied with your auto insurance, do not hesitate to ask your insurer to offer you a complete auto motorcycle package. Insurers value the loyalty of their policyholders and some offer particularly interesting packages.

Thus, the formulas of group cars for motorcycles offer policyholders benefit from a significant reduction in their motorcycle insurance plansubject to certain conditions. The same is true if you have several two-wheelers. Many insurers offer shares under a second contract. This is especially interesting for bikers who, for example, alternate between motorcycles and scooters.

Thus, Maaf offers up to 40% discount on motorcycle insurance formula! Happy trip everyone!

To get the best two-wheeler insurance rates on the market, it is best to turn to a comparator. This service will receive offers of various motorcycle and scooter insurances in accordance with the selected guarantees. You will be able to compare motorcycle insurance prices in a few clicks.