Insure your motorcycle equipment and accessories

Insure your motorcycle equipment and accessories ? We rarely think about it, and nevertheless, if we think about it, it is necessary. Accessories really are the guarantor of our safety. It is they who protect us from serious injury in the event of an accident. This is why they are so expensive. Unfortunately, they are rarely included in the property covered by motorcycle insurance.

In the event of such a breakdown, equipment and accessories rarely leave. In most cases, they go straight to the cart. And we are forced to buy new ones, always at an exorbitant price.

The motorcycle equipment warranty avoids this. What is it ? What accessories and equipment are affected? What are the conditions to benefit from this? We will tell you everything!

Motorcycle insurance - what is it?

Motorcycle equipment insurance is a formula that allows you – as its name makes clear – to protect motorcycle accessories and equipment.

Please note that this is an additional guarantee. This is an option offered in the same way as third party insurance and comprehensive insurance. In other words, you don't have to buy it if you don't want to.

But please note that once you receive a motorcycle equipment warranty, you may be eligible for compensation in the following two cases:

• In case of an accidentif your accessories and equipment have been damaged. You can then receive compensation from your insurer, which will allow you to replace or renovate your property.
• In case of theftif your accessories and equipment have been stolen. You can then be reimbursed at the package level specified in the contract or at the purchase price.

Insure your motorcycle equipment and accessories: what accessories and what guarantees?

Any item added to the latter prior to purchase is considered motorcycle accessories and equipment. In other words, anything that was not supplied with the machine at the time of purchase is considered an accessory and therefore is not usually covered by basic insurance.

Matching equipment and accessories

If we look at what has been said before, the accessories and equipment covered by this warranty are the helmet, gloves, jacket, boots and even trousers. But you need to be careful, because not all insurers offer the same formulas. Therefore, you should make sure that all accessories - at least especially expensive ones - are really covered with protection.

Therefore, the helmet comes first, because it costs the most, and it also suffers the most in an accident. This is why some insurers offer special helmet-only formulas.

Other accessories cannot be insured. However, if your jacket, boots, or trousers cost you a fortune, it's safer to cover them up.

Insure your motorcycle equipment and accessories: warranties

To allow you to cover your expensive items, insurers usually offer two formulas:

• Helmet warrantywhich may be included in the motorcycle insurance itself. But otherwise it is offered as an option.
• Protective Gear Warrantywhich covers other accessories such as jacket, gloves, pants and boots.

How to insure motorcycle equipment and accessories?

Before applying for insurance for your equipment and accessories, first make sure they are not already covered by your motorcycle insurance. If not, take a moment to check which accessories are and which are not.

Motorcycle insurance subscription

To take advantage of your motorcycle equipment warranty, you have two solutions. Either you ask for it when you buy motorcycle insurance... Or you add it to the original contract after you sign it.

In both cases, for your claim to be taken into account, you must provide your insurer with invoices proving the value of the accessories you are insuring. If you no longer have them, you can report the value of your property and sign an affidavit affirming your claim.

Motorcycle equipment and accessories insurance - how does it work?

In the event of an insured risk, i.e. in the event of an accident or theft, you must contact your insurer. If it is an accident, the insurance company will send damage assessment expert both on the motorcycle and on the accessories. The amount of support will depend on this experience and the terms of your contract.

If it is theft, the procedure is different, because there is no need to conduct an examination. To get support, you must make a flight certificateand you must send a copy to your insurer. Refunds will again be made in accordance with the terms of your contract.

Exclusions of Warranties

Be very careful when purchasing insurance for motorcycle equipment. Take time to read the contract carefully, in case traps hit him. Some insurers may actually deny you coverage for risks if certain conditions are not met.

Some insurers refuse, for example, to pay compensation if only accessories and equipment were stolen. Others may also opt out if the stolen or damaged accessories are not certified and do not comply with applicable standards (NF or CE). While others refuse, for example, if the insured is considered guilty of the accident.