Motorcycle insurance

If, to insure a vehicle, in general, you need a complete and detailed evaluation, to insure a motorbike, a vehicle with very concrete specifications and characteristics, the evaluation must be even more fundamental and as detailed as possible.

You should be conscious of the vulnerability of the bike and, over all, of its driver, as that forms part of the bike's chassis. Therefore, you should consider and keep in mind, above all, the clauses for guaranteeing a bike in case of a serious accident.

Prices vary between different insurance companies and even within the same, depending on the characteristics of the person and the bike. There are many factors that determine the price. The principal factors are the age of the insured and his years of experience driving. The age of the motorcycle and its characteristics also influence it. It is not the same getting insurance in Madrid, with its dense traffic, as in a country zone where one supposes the risk of accident to be lower.

We must say that insurance companies are still not very sensitive to bikers in terms of motorcycle insurance. The reason is that a biker runs a greater risk of a serious accident than a motorist. But there are certain things that you should demand from your insurance, a minimum that your motorcycle insurance should include.

"Mandatory Liability Insurance" is the most important requirement, though it is compulsory that all insurance policies include it. This covers physical as well as material damages that you might cause another person in an accident. But this insurance is very limited. It is an insurance that only covers damages you have caused up to a certain financial limit. This can cause coverage problems for the insured.

For this reason, you also find the "Voluntary Liability Insurance" within motorcycle insurance. This type of clause has benefits above and beyond the prior one. In practice, this insurance covers the costs of compensation when it exceeds the limits of the aforementioned insurance.

It also has a limit, but it is a much higher amount which is usually more than sufficient.

Advice and prices