How to choose motorcycle insurance?

Before signing an insurance contract, you need to compare the various offers for your motorcycle or scooter. Indeed, on the same guarantees, you can save several hundred euros, depending on the insurers. Especially if you are riding a powerful motorcycle or a young A2 class racer. In addition, some types of motorcycle insurance are better than others in terms of price and coverage in the event of a claim or deductible.

How does motorcycle insurance work? Which motorcycle insurance to choose? Which two-wheeled insurer is the best? Discover for yourself tips for choosing the right motorcycle insurance : Compulsory Warranties, Best Motorcycle Formulas and Number of Motorcycle Insurance Offers.

What is motorcycle insurance?

Motorcycle insurance is a contract that allows any motorcycle owner, whether a driver or not, cover your two-wheeled vehicle from various risks... Insurance guarantees may cover the vehicle and its driver, as well as accessories with which the motorcycle is equipped. It is an agreement, at the end of which clauses are set out to determine the rights and obligations, legal or not, of the insurer and the insured in the event of a certain event or potential disaster.

The insurance operates on a very precise principle: the insurer offers the policyholder to insure his motorcycle and his driver, but in return the latter must pay out bonus regularly the size of which depends on the option you subscribed to. Payment for motorcycle insurance is usually made annually or monthly, depending on the preference of the insured.

In the case of non-payment of insurance premium, then the insurer can terminate the insurance contract. In addition, some modifications to the two-wheeled vehicle may violate the contract. This is the case when you install an unapproved exhaust pipe on your motorcycle, or when you increase the power of two wheels, for example, by reprogramming.

The Role of Motorcycle Insurance

Motorcycle insurance allows to expand the possibilities of two-wheeled racers As far as the risks they are exposed to, it works in the same way as the bonus-malus ratio. After all, it provides for payment by the insured of the franchise, the amount of which is provided for in the contract, in case of negligence on his part.

Franchise is a sanction, the financial contribution of the insured, if he is found liable for a claim that caused damage to a third party. Thus, even if the injured party received compensation from the insurer, the amount of this compensation must be reimbursed by the insured person. The same principle applies to the other party if the insured in question is the victim of a claim.

In the event of a responsible accident, a penalty is applied to the contract. then malus results in an increase in the insurance premium... As for good drivers, their insurance premium is reduced annually. Bonus-Malus calculation is regulated by law.

Motorcycle insurance is compulsory

The law requires the purchase of motorcycle insurance for all bikers who want drive a two-wheeled vehicle on public roads... Therefore, motorcycle insurance is compulsory for motorcycle riding in the city, on the roads and highways. Please note that road insurance is also required in order to practice riding a motorcycle on the track.

Depending on the level of coverage, several types of contracts can be distinguished, but mandatory minimum – guarantee of civil liability which includes coverage for property damage and personal injury suffered by one or more third parties in the context of a claim. It was specifically designed so that the injured party gets the correct compensation from the driver (and his insurer) who is found guilty.

However, it is important to know that third party liability insurance or liability insurance does not cover damage to the driver or the motorcycle he or she has ridden, unless the other party is responsible and insured. Then we talk about the third party collision warranty.

Different formulas and options for your motorcycle insurance

New bikers are often lost in the face of the multitude of insurers and possible formulas and options. Really, there are different motorcycle insurance formulas.

La the most basic formula is a guarantee of civil liability (required) discussed above. Civil liability allows you to cover third parties from personal injury or otherwise injured in an accident caused by the driver's negligence.

However, depending on individual preference, this first option can be extended to intermediate motorcycle insurance, known as third party insurance + or all risk insurance. The principle is to bring back the guarantees of the former by adding a few additional options, namely:

• Legal protection : in the event of a dispute, legal costs are borne by the insurer. The same applies in the event of recognition of liability or payment of compensation in the event of a dispute between the insured and another insured motorcyclist.
• Auto help : in the event of an accident, the insurer takes over the repair and towing of the motorcycle, he may even go to pay the cost of purchasing spare parts, the cost of repairing and restoring the vehicle.
• Driver assistance : In the event of an accident, the insurer pays for the transport of the driver to the hospital in the event of an accident or illness. He is also responsible for reimbursement of medical expenses and repatriation of the body in the event of death.
• Warranty for helmet, clothing and accessories. : in the event of a claim, the insurer will indemnify for the damage caused to the helmet, clothing and accessories of the driver, within a certain amount stipulated in the contract.
• Theft and fire guarantee : in the event of one of these cases, the insured receives financial protection under certain conditions, such as compliance with preventive measures against theft of two-wheeled vehicles, the state of sobriety of the insured, etc.
• Coverage of natural and man-made disasters : Should one of these events ever occur, motorcycle insurance covers repair, if possible, and replacement with another (equivalent) motorcycle, if necessary.
• Glass break guarantee : If the front lens of a motorcycle breaks in an accident, this option covers the cost of repairing the glass and the cost of replacing it if necessary.

As the number of options increases, interim motorcycle insurance is gradually becoming complex. In addition, some parameters allowinsure the motorcycle in case of an accident with an identified third party For example. This parameter then eliminates accidents such as going off the road in a bend.

What is the risk of riding a motorcycle without insurance?

In France, many drivers drive on two wheels without insurance... This situation can be explained by the high price of insurance for two-wheeled vehicles. Thus, some people simply cannot afford to pay for their insurance when they have to take their car. Other drivers drive without insurance, not knowing the consequences for themselves and the victim in the event of an accident or fatal collision.

Anyone hoping to escape the law by riding a motorcycle without insurance must bear the burden of the consequences. If a biker is caught by a responsible authority on a public road without mutual insurance, he risk of getting 1 year in prison, including 6 months in prison... In addition to losing your driver's license.

Worse, if he finds himself caught in a disaster, whether convicted or not, the expenses he will have to pay will require all of his salary and even all of his possessions. And this for a very long period, if the event ever caused the death or physical or mental disability of one or more people.

Major two-wheeler insurers in France

There is a wide selection of motorcycle insurers on the market, which differ from each other in their offers and guarantees. Some two-wheeler insurers are experts in their field, while others operate in a competitive environment with a leveling strategy.

. major two-wheeler insurers in France We offer all the classic motorcycle insurance guarantees, namely:

• Mutual of Bikers created by bikers and for bikers to insure motorcycles, scooters, sidecars and even dragsters.
• Motorcycle Insurance (AMT) specialized in motorcycle and scooter insurance.
• Assurbike specializes in the insurance of motorcycles, scooters, 50cc motorcycles. See, ATVs, SSV Buggy.
• 4 the insurer specializes in insuring all two-wheeled vehicles.
• Euro assurance specializing in car and motorcycle insurance.
• Motorcycle insurance is carried out in partnership with Directe Assurance.

In addition, there is another category of insurers of which motorcycle insurance is only a part of their products, these are:

• Mutuelle Assurance Automobile des Institutors de France (MAIF), which offers four formulas "Initial", "Various", "Basic" and "Plénitude", which allow you to receive assistance, vehicle protection and legal rights in the event of a disaster.
• General Military Provident Association (AGPM), which offers a range of guarantees: natural disasters, relief, reimbursement, etc.
• Crédit Agricole offers three formulas: Mini, Median and Maxi, each of which provides physical protection to the insured.
• EXCUSE ME.
• Macif Insurance.
• GMF insurance.

Factors When Choosing 2 Wheel Insurance

Before choosing a particular insurer, there are a number of criteria to consider. First of all, you must choose according to your needs and capabilities. Therefore this needed to compare motorcycle insurance according to your needs... A new motorcycle cannot be insured in the same way as, for example, an old one.

It is important to understand that the price of insurance varies from one company to another, so you need to know how to play on the prices. V the best solution for finding motorcycle insurance at the best price is to run some online simulations. Then all you have to do is compare the premiums offered by Mutuelle des Motards, AMV, etc. Finally, all you have to do is choose the insurer that offers you the most guarantees at the best price!

East difficult to negotiate the price of motorcycle insurance with major insurers such as Mutuelle des Motards. In fact, Mutuelle des Motards applies a national price list to all policyholders. However, some insurers offer their customers special bonuses in addition to the Insurance Bonus. In addition, promotions are possible if you have insured several cars with the same insurer. Therefore, it may be interesting to insure your car and motorcycle in one place.

Also this it is important to know your needs and the guarantees that can satisfy them... If your motorcycle is new or very recently released, it is in your best interest to take out comprehensive insurance. On the contrary, if your motorcycle has a low financial value, it makes no sense to take out comprehensive motorcycle insurance. In this case, third party guarantees will suffice!

Therefore, you must consult with several insurers to choose the right motorcycle insurance: ask for a quote, compare the quality of service (support, welcome), the quality of the insurer (size of the insurance company, ability to pay), ease of contact, proximity, etc. Only after after all the necessary information will be collected, it is necessary to conduct arbitration and conclude an agreement with the one who stood out.

Compare to find the best motorcycle insurance

More often than not, motorcyclists simply want the best insurance possible at a reasonable price. To find motorcycle insurance at the best price, it is important to compare several insurers and offers. Of course, other factors must also be taken into account, such as the reputation of the insurer, the amount of compensation in the event of an accident, etc. ...