Motorcycles, scooters and cyclists are no exception to the rule. Like the car, both wheels must be provided to allow the driver to drive safely. It is even mandatory! Because of its specificity, the motorcycle insurance demand special attention to the options proposed. Insurance companies and mutual funds are numerous and practice of different pricing policies depending on options. Is it better to choose a specialty insurance or general insurance? What are the options available and what kind of guarantees do they offer? Here are some keys to see you there.
To ensure a two-wheeler, you can choose between two families of insurance company specialized or general insurance. Each formula offers safeguards similar to auto insurance, namely civil liability, warranty and any damage risk.
Rates vary depending on the intended coverage and risk calculation. Find an insurer who agrees to guarantee your brand new 50cm3 at any risk at an attractive price will not be easy.
To move a rule, the minimum coverage required is liability. This basic formula is also more accessible, but in case of damage, repair of your motorcycle are your responsibility! Given the vulnerability of the motorcycle and the driver, it is wiser to consider the clauses covering you better if something goes wrong.
Like auto insurance, the more comfortable is the "All Risks" that protects your gear while you are responsible for the accident. Logically, the price of premiums soaring.
In addition to traditional collateral, insurers offer to customize your policy through a variety of options: cons flight (highly recommended), vandalism, the value of buying nine of the bike, warranties extended. Remember also to include accessories such helmets, top-box. In short, to save money on your insurance is not necessarily a guarantee of peace for the future but most will make sure to fit your needs!
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