Spain is a country with a strong tradition motera , and not only with regard to monitoring idols (Dani Pedrosa, Jorge Lorenzo, Valentino Rossi, Marc Márquez) of motorcycle racing on TV or internet but the practice itself:
in the extended handling of them both for work and in our daily routine or simply as a way to enjoy leisure time.
Figures do not lie, and in our country there are about 150,000 people who have a motorbike license . An important sector of the population which, of course, have repaired the insurance companies who offer many forms of motorcycle insurance adaptable to the needs and concerns of motorists.
Above the names of firms, let us see what are the main forms of motorcycle insurance that currently exist inSpain in view of the coverage they offer. We discuss types of policies in a comprehensive manner, since in most cases are subject to many changes and modifications to be agreed between the company and the insured given the flexibility that allows the insurance world today. But we can broadly classify them:
Basic insurance : especially intended for those who pretend to be covered as necessary by investing a small amount of money. They are usually users who do not use too long your bike and give a practical use, not needing her when carrying out their work nor using it in their leisure time. Covers liability compulsory (offering in this regard the possibility of hiring other toppings), the accidents personal and in most cases allows to have travel assistance or legal help if you need it .
Comprehensive insurance : covers, in addition to the basic coverage already mentioned, unfortunately eventualities relatively frequent among motorcycle owners. We refer to the possibility of a theft , a fire on the bike or any damage caused in it because of the phenomena of nature, which can sometimes be harsh with our vehicle after leaving him on the street ... and sometimes even It does parked in a garage (such as flooding).
Insurance total: called all risk . For those who use the bike very often and want to be totally quiet at what might happen, offer coverage to every conceivable eventuality and provides plenty of guarantees and extra services. As to the first point we can talk about the damage to the vehicle itself after an accident, the damage to the hull or any specific part of the motorcycle or those produced by impact or vandalism; as regards the latter, we talk about annual review free replacement of damaged material, costs of hospitalization, disability and even death, fine management ... In short, despite its higher price thanks to him , or provide the driver with a Total peace of mind that the insurance company will take care of almost any situation that may occur.
We must also refer to an important to assess when hiring a motorbike insurance issue: the so - called franchise .Upon receiving the information on coverages and services of a particular policy often we see if we hire a coverage with or without franchise . In the first case the insurance will cover what we have contracted to the limits to be agreed; in the second the insurer will only pay the amount of expenses that exceed the amount chosen by the customer, called franchise , while it must pay the amount of which are less than the same.
An example: if the insured contract coverage for vandalism with an excess of 300 euros and ends up suffering damage because of this reason 500 euros, will be responsible for payment of 300 euros and the remaining 200 euros will be paid by the insurer . As is obvious franchised coverages are much cheaper because they offer protection against eventualities is lower. It all depends, as always, customer criterion when opting for one or the other mode.
We should also note that many companies, like in the case of car insurance, incentivize good track record of safe drivers , which can boast over the years of not having any mishap or accident (though unfortunately it is something that does not depend only on the card holder) with financial bonuses, thanks to discounts on the annual premium, semi - annual, quarterly or monthly payment of the contracted insurance.
in the extended handling of them both for work and in our daily routine or simply as a way to enjoy leisure time.
Figures do not lie, and in our country there are about 150,000 people who have a motorbike license . An important sector of the population which, of course, have repaired the insurance companies who offer many forms of motorcycle insurance adaptable to the needs and concerns of motorists.
Above the names of firms, let us see what are the main forms of motorcycle insurance that currently exist inSpain in view of the coverage they offer. We discuss types of policies in a comprehensive manner, since in most cases are subject to many changes and modifications to be agreed between the company and the insured given the flexibility that allows the insurance world today. But we can broadly classify them:
Basic insurance : especially intended for those who pretend to be covered as necessary by investing a small amount of money. They are usually users who do not use too long your bike and give a practical use, not needing her when carrying out their work nor using it in their leisure time. Covers liability compulsory (offering in this regard the possibility of hiring other toppings), the accidents personal and in most cases allows to have travel assistance or legal help if you need it .
Comprehensive insurance : covers, in addition to the basic coverage already mentioned, unfortunately eventualities relatively frequent among motorcycle owners. We refer to the possibility of a theft , a fire on the bike or any damage caused in it because of the phenomena of nature, which can sometimes be harsh with our vehicle after leaving him on the street ... and sometimes even It does parked in a garage (such as flooding).
Insurance total: called all risk . For those who use the bike very often and want to be totally quiet at what might happen, offer coverage to every conceivable eventuality and provides plenty of guarantees and extra services. As to the first point we can talk about the damage to the vehicle itself after an accident, the damage to the hull or any specific part of the motorcycle or those produced by impact or vandalism; as regards the latter, we talk about annual review free replacement of damaged material, costs of hospitalization, disability and even death, fine management ... In short, despite its higher price thanks to him , or provide the driver with a Total peace of mind that the insurance company will take care of almost any situation that may occur.
We must also refer to an important to assess when hiring a motorbike insurance issue: the so - called franchise .Upon receiving the information on coverages and services of a particular policy often we see if we hire a coverage with or without franchise . In the first case the insurance will cover what we have contracted to the limits to be agreed; in the second the insurer will only pay the amount of expenses that exceed the amount chosen by the customer, called franchise , while it must pay the amount of which are less than the same.
An example: if the insured contract coverage for vandalism with an excess of 300 euros and ends up suffering damage because of this reason 500 euros, will be responsible for payment of 300 euros and the remaining 200 euros will be paid by the insurer . As is obvious franchised coverages are much cheaper because they offer protection against eventualities is lower. It all depends, as always, customer criterion when opting for one or the other mode.
We should also note that many companies, like in the case of car insurance, incentivize good track record of safe drivers , which can boast over the years of not having any mishap or accident (though unfortunately it is something that does not depend only on the card holder) with financial bonuses, thanks to discounts on the annual premium, semi - annual, quarterly or monthly payment of the contracted insurance.
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