Temporary motorcycle insurance: insure your motorcycle for 1 day

Did you know ? Today you can only insure your motorcycle for one day. Many insurance companies offer this solution to people for whom traditional contracts are useless and therefore not economically interesting. Very practical in certain situations, it allows the insured to benefit from temporary and less expensive coverage.

Can we get temporary insurance? What is temporary motorcycle insurance? How to insure a motorcycle temporarily or for 24 hours? Want to be covered for the day? Find out everything you need to know about temporary motorcycle insurance: how it works, prices and insurers.

What is temporary or daily motorcycle insurance?

Temporary motorcycle insurance is a contract with a passenger, unlike a classic contract. That is, this insurance contract insures the vehicle only for a short period. It was designed for people who, for one reason or another, do not need long-term insurance. Thus, it allows them to be covered within a shorter period. In the case of 24-hour motorcycle insurance, for example, the insurance lasts only one day.

Temporary motorcycle insurance: for whom?

Not all bikers can enter into a term insurance contract. To participate in this offer, certain conditions are required for both the driver and the two-wheeled vehicle.

That be able to take out motorcycle insurance for the day, you must meet the following conditions:

• You must be over 21 years old.
• You must have a driver's license for at least two years.
• You must have a motorcycle between 126 and 750 cc.

In addition, traditional insurers only provide this type of contract to policyholders they truly trust. Therefore, you will not be able to use it if you have already undergone license suspension or revocation. However, some insurance companies specialize in these atypical contracts and are open to more profiles. This is the case, for example, with Direct Temporaires.

How to get motorcycle insurance for the day?

To assess the risks, we will offer a suitable price and provide a temporary insurance certificate, the insurer will require several documents in relation to you, as well as a motorcycle or scooter that needs to be insured.

The subscription formalities are exactly the same as for a traditional contract. To subscribe, you need to provide the following documents:

• A copy of the motorcycle registration document.
• A copy of your driver's license.
• A copy of your policy statement.

However, if you want to save time, please contact insurers offering term motorcycle insurance services... If not, the fastest solution is to purchase immediate motorcycle insurance online.

Good to know : Time-limited coverage is effective immediately upon contract signing. It also ends automatically at the end of the set period.

For how many days can a motorcycle be insured with urgent insurance?

Advantage with temporary motorcycle insurance, is that it is more flexible... It adapts more easily to the needs of the insured, both in terms of duration and budget.

Sa validity period can be from 1 to 90 days... Thus, you have the opportunity to conclude a motorcycle insurance contract for 24 hours, for three days, for a week or for a month.

Warranties and protections included in temporary motorcycle insurance

Compared to the classic contract, The guarantees offered in the case of a temporary motorcycle insurance contract are limited... As this is temporary and short-term coverage, some guarantees may be unnecessary.

However, the guarantees and protections included in the contract mainly depend on the insurer and the options chosen by the insured. They should at least include:

• Civil liability guarantee.
• Legal protection.

Some insurance companies offer some optional additional guarantees for better protection and compensation :

• Maintenance and repair guarantee.
• A bodily guarantee for the driver.
• Damage guarantee.

When should you take out a temporary motorcycle insurance contract?

Un Thus, a daily motorcycle insurance contract can be useful in the following situations:

• If you have a vintage motorcycle that you rarely ride but are going for a ride on an exceptional occasion (such as a show or race). You can cover yourself during this walk.
• If you are going to ride a motorcycle in a foreign country that is not covered by the insurance that you have already taken out. This way, in the event of an accident or a claim, you can still be insured.
• If you are going to ride a rented motorcycle for which you are not insured. This way, you can still take advantage of the insurance even if you don't own the motorcycle.
• If you are going to transport a motorcycle from one country to another (import or export). You will be able to verify this during your trip.
• If your motorcycle has been stopped by the police, for example due to lack of insurance. This way, you can take out urgent temporary motorcycle insurance to get her out of the pound.
• If you are about to purchase a motorcycle registered in the European Union knowing that you cannot drive it without restoration insurance. Thus, temporary motorcycle insurance will act as a temporary solution, time to return the car and the opportunity to conclude a year-round contract.

It is also necessary to distinguish between temporary motorcycle insurance and motorcycle lane insurance, which are radically different from each other, although the duration of the insurance coverage is very short. Indeed, motor vehicle insurance is very specific to the use of a motorcycle on the track and covers the associated risks.

Cost of temporary motorcycle insurance: more expensive?

I must admit temporary motorcycle insurance is more expensive per day... In fact, the longer the contract duration, the lower its cost. Thus, insuring a motorcycle for one day is bound to be more expensive than contracting for two days or more.

At the same time, investments are still attractive. Long-term insurance is only necessary if you intend to use your motorcycle during the contract period. If not, there is no point in paying for a year, for example and this, knowing that coverage won't be of significant value for most of the year.

In such a situation, the best solution is to take out insurance that covers only the relevant period. You will certainly pay more, but much less than you would have to pay if you enter into a semi-annual or annual contract.