Motorcycle insurance:Ensuring your bike is a step by which all bikers must pass. But among the multiplicity of offers and insurers, difficult to find the insurance that suits you at the best price.
Motorcycle insurance: the basic formulas
To avoid paying for your two-wheeler insurance too expensive, it is essential to properly identify your needs. The insurance premium
is calculated according to the risks you represent but also according
to the number of guarantees to which you subscribe.The minimum guarantee to be taken out is the civil liability that is found in third-party insurance. This is the cheapest formula because you are only covered for damage you cause on a third party, and possibly breakage of ice. This is exactly the same principle as automobile insurance.
When driving a motorcycle, the risk of being injured or killed is greater than driving a traditional 4-wheeler. It is therefore advisable to subscribe to the optional "driver" warranty. In the event of an accident, your hospital costs are covered by the insurer. Also, with this guarantee, you will receive compensation in the event of a work stoppage. A guarantee not to be neglected, when we know the risks incurred by each rider on the handlebars of his vehicle.
Finally, if you own a new or recent motorcycle with a high value, it is better to choose "all risks" insurance. Theft, fire, accident: it covers, as its name indicates, all risks. Almost all. If your motorcycle is used, the "all risks" guarantee does not seem appropriate because in case of an accident, you will be compensated according to the value to the argus. An unprofitable choice compared to the amount of premiums you paid to your motorcycle insurer.
Source: motorcycle insurance
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