How to insure your motorcycle?

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Buying or owning a motorcycle is the dream of many Spaniards. However, we must consider the maintenance costs involved in complying with it: mechanics, fuel and having subscribed and in force the Mandatory Civil Liability Insurance.

Why is it important to insure your motorcycle

Facing the road is always a risk, for you, other drivers and road users and for the family. Motorcycle insurance is the guarantee that if the worst happens, there is someone to respond. The motorist must decide what type of insurance and what coverage they want to insure their traveling companion. Currently, in insurance companies there are insurance that are specifically for motorcycles, with the advantages that this implies in terms of the specificity of the coverage offered.

General insurance or specific insurance: what to hire

Motorcycle insurance Verti It differs from other motorcycle insurance companies in the wide coverage it offers to all types of motorcycle drivers, Regardless of which motorcycle is insured.

Regarding the coverages of the types of insurance that are specific to motorcycle At Verti, unassisted third party motorcycle insurance exclusively includes the following, in addition to the Obligatory subscription civil liability, legal defense, a guarantee for death or permanent disability due to the accident, and the guarantee of health care in the event of an accident.

If the owner or the driver wishes expand some coverage, Verti offers a motorcycle insurance to third parties with basic assistance such as assistance in the event of a mechanical breakdown and towing the vehicle to the workshop or sending replacement keys.

Finally, the Comprehensive motorcycle specific insurance corresponds to that of full assistance that incorporates the transfer of the motorcycle to the workshop or travel to pick up the motorcycle and accommodation costs in case of having to wait for the motorcycle to be repaired in a workshop, in addition to covering trips abroad.

How to buy motorcycle insurance

Before making the decision to subscribe one or another policy, it is recommended that motorcyclists evaluate what type of motorcycle they are going to insure, the use they make of it and the contracting modalities, in addition to visit calculators to find out what your motorcycle insurance will cost.

Steps to take out your motorcycle insurance

Contracting motorcycle insurance is simple, although it is necessary to distinguish between insurance for new motorcycles or for second-hand motorcycles, since the documentation to be delivered once the price has been calculated and accepted differs.

The new motorcycles must provide:

• Driving License of the main driver and the additional drivers.
• Identity card or passport of the policyholder.
• Technical data of the motorcycle.
• Vehicle registration certificate.
• The Proof of Deposit, which justifies that the purchase of the insurance has been made.

For older people, in the case of motorcycles over 125 cc, proof of prior experience on a 125 cc motorcycle must be delivered.

For their part, second hand motorcycles will include in the documentation:

• Driving license.
• Identity Card of the policyholder.
• Technical data sheet of the vehicle.
• Vehicle registration certificate.

Once the documentation phase is completed and the corresponding payment is made, any motorcycle owner can ride. In the case of drive a motorcycle without motorcycle insurance, the penalties can amount to 1.250 euros.

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