Choose one assurance moto adapted to your needs and your budget can sometimes be difficult, as the offers are numerous and varied. Here is a guide to help you in your choice, addressing several essential points such as the type of coverage, driver profile, budget and additional guarantees.
Type of coverage: third party or all risks?
Several pieces of information must be taken into account when choosing insurance. Opt for the best motorcycle insurance with April and its various guarantees. The first point to consider when looking for motorcycle insurance is the type of coverage desired:
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Third party insurance
Third-party insurance is the most basic option, and also the cheapest. It only covers damage caused to third parties (other driver, pedestrian, etc.) in the event of an at-fault accident. It also includes the civil liability guarantee, which is obligatory in France. However, it does not cover damage suffered by the insured and his motorcycle.
Back to back insurance
Comprehensive insurance offers more comprehensive protection. It includes the same guarantees as third-party insurance with, in addition, coverage for material and bodily damage to the driver and the motorcycle, even in the event of an at-fault accident. This plan is often recommended for new or high-value motorcycles, as well as for drivers who want great peace of mind.
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Driver profile
Motorcycle insurance prices vary depending on the driver profile. Here are some criteria that influence the premium:
Driving experience and bonus/penalty
The better the driving history, the lower the premium amount will be. Insurers take into account the driver’s years of experience as well as his bonus/penalty: a 50% bonus generally allows the premium amount to be halved.
Place of residence
Statistics show that the risk of accidents is higher in certain geographic areas. As a result, motorcycle insurance rates may be higher for drivers living in a major city or high-traffic area.
Motorcycle category and power
It goes without saying that big cubes and sports bikes attract more attention from thieves and are also likely to cause greater damage in the event of an accident. Prices will therefore naturally be higher for these types of vehicles.
Le budget
When looking to choose motorcycle insurance, it is necessary to take into account the amount of the premium and the options offered by each insurer. You should also carefully read the general conditions of sale and warranty exclusions to avoid any unpleasant surprises in the event of a claim. Please note that you can negotiate with your insurer to obtain additional guarantees or a preferential rate, especially if you are a good driver and have shown loyalty to your previous insurance company.
Additional guarantees
Depending on your needs and the desired level of protection, you can subscribe to several additional guaranteesas :
Assistance 0 km
In the event of a breakdown or accident, this guarantee allows you to obtain breakdown assistance, including if the event occurs close to home. It is particularly interesting for drivers who regularly use their motorcycle to go to work or make urban journeys.
Compensation in the event of theft
This warranty is recommended if your motorcycle presents a high risk of theft. It generally covers the new value or replacement value of the vehicle depending on its age. The compensation conditions vary depending on the contract: it is therefore relevant to carefully compare the offers.
Juridic protection
In the event of litigation or legal proceedings following an accident, legal protection covers lawyer costs and expert fees. This can be very useful in the event of disagreement over responsibilities during a disaster.
In short, to choose the best motorcycle insurance, it is essential to clearly define your needs and study the different offers on the market. Do not hesitate to compare the rates and guarantees offered by several insurance companies before making a decision.
