Car moto

Do you think your motorcycle insurance really covers you? Find out the answers here!

On July 8, 2024 , updated on July 8, 2024 - 5 minutes to read

Subject : Do you think your motorcycle insurance really covers you?

Content : Find out the answers here!

Points to check Answers
Guarantees included in my contract Compare guarantees to check if you are well covered
Warranty exclusions Beware of exclusions that could limit your protection
Applicable deductibles Check the amount of deductibles to be paid in the event of a claim
  • Highlights of your motorcycle insurance:
  • Extensive accident cover
  • Fast and efficient breakdown assistance
  • Competitive price compared to the competition
  • Weak points of your motorcycle insurance:
  • High deductible in the event of a claim
  • Strict rules for compensation for damages
  • Expensive optional services
  • Extensive accident cover
  • Fast and efficient breakdown assistance
  • Competitive price compared to the competition
  • High deductible in the event of a claim
  • Strict rules for compensation for damages
  • Expensive optional services

Checking your motorcycle insurance coverage

Checking the coverage of your motorcycle insurance is essential to avoid unpleasant surprises. Many motorcyclists think they are well protected, but it is crucial to check the details of the contract to be sure.

Start by checking the basics of your insurance. Your civil liability insurance does it cover damage caused to third parties in the event of an accident? This coverage is mandatory and must be present in all motorcycle insurance contracts.

Next, evaluate options for additional coverage. Does your contract include a theft guarantee ? This warranty is essential to protect your motorcycle against theft. Likewise, a fire guarantee is crucial to cover fire damage.

Check if you benefit from a breakdown assistance. This service can be very valuable if you break down far from home. It is important to know if the support is valid 24/7, and the conditions of support.

Check out the terms of coverage for accessories. Equipment such as helmets, gloves and protective clothing are often expensive. Make sure they are well covered in the event of an accident or theft.

Keep an eye on the franchises. Know how much you will have to pay out of pocket in the event of a disaster. A high deductible can reduce your monthly costs, but significantly increase your expenses in the event of an accident.

Finally, pay attention to warranty exclusions. Each contract has specific situations where coverage does not apply. Check out these exclusions to avoid unpleasant surprises.

To summarize, a good check of your motorcycle insurance policy allows you to ensure that you are fully protected. Consult your contract regularly and do not hesitate to ask your insurer for clarification.

Analyze your insurance policy

It is crucial to know if your motorcycle insurance offers you adequate coverage. Analyzing your contract will help you understand the protections you really benefit from.

To check the coverage of your motorcycle insurance, start by carefully reading the general and specific conditions of your contract. Key points to check include public liability, THE damage guarantees, THE flight, L’fire and the juridic protection.

A careful analysis of your insurance policy will allow you to know exactly what your guarantees are. Here are some questions to ask yourself:

  • What are the franchises applied in the event of a disaster?
  • What are the compensation limits ?
  • Are there any warranty exclusions specific?
  • What are the additional options available (assistance, driver protection, etc.)?

It is also recommended to compare different insurance offers to check if you are getting the best rate for the level of cover you want. Do not hesitate to request several quotes to compete.

Finally, if in doubt, contact your insurer to obtain clarification on the terms of the contract. A meeting with an advisor can help you adjust your policy to your specific needs and maximize your protection.

Consult an insurance expert

When you subscribe to a motorcycle insurance, it is crucial to check that the coverage corresponds to your needs and expectations. Adequate coverage can protect you in the event of various incidents such as accidents, theft or damage to others.

To get started, look at the types of benefits included in your contract:

  • Public liability : obligatory in France, it covers bodily injury and material damage caused to third parties.
  • Damage guarantee : this guarantee covers damage to your motorcycle in the event of an at-fault accident.
  • Theft and fire : essential if you live in a risk area, it compensates you in the event of theft or fire of your motorcycle.
  • Assistance : to benefit from help in the event of a breakdown or accident anywhere and at any time.
  • Driver protection : Often overlooked, this coverage covers your medical expenses and possibly loss of income in the event of an injury.

It is good to check the exclusions of your contract. Indeed, certain guarantees may not apply in particular situations such as driving under the influence of alcohol or drugs, or if your motorcycle does not comply with safety standards.

To fully understand the intricacies of your motorcycle insurance contract, do not hesitate to consult an insurance expert. A specialist will be able to explain complex terms to you, assess whether your coverage is adequate and suggest adjustments if necessary.

Finally, remember to re-evaluate your insurance contract regularly. Your needs may change over time and it is important that your insurance is always adapted to your situation.

Q: Do you find that your motorcycle insurance really covers you?

A: Find out the answers here!

Q: How do I know if my motorcycle insurance covers me enough?

A: It is important to carefully read the terms of your insurance contract and check the guarantees included.

Q: What should I do if I think my motorcycle insurance doesn’t cover me enough?

A: You can contact your insurer to discuss your needs and see if it is possible to adjust your coverage.

Q: Is it possible to change motorcycle insurance during the contract?

A: Yes, it is possible to cancel your motorcycle insurance contract at any time, but cancellation fees may apply.