ADVICE When taking out motorcycle insurance, there is a whole range of coverage options to choose from. Anyone who is not familiar with it can easily lose track of things. The Comparis experts will help you choose.
With motorcycle insurance, it’s similar to car insurance. Obtaining liability cover is a must for motorcycle owners. Partial or fully comprehensive coverage is usually voluntary.
Anyone who drives a motorcycle can also include additional components such as mobility coverage or parking damage coverage in the policy. But what protection do you really need as a motorcyclist? Comparis explains.
Partial coverage in the event of outside interference
Liability insurance covers damage that the rider causes to third parties with his motorcycle. Partial or fully comprehensive insurance, on the other hand, covers damage to your own motorcycle.
The partial comprehensive cover covers damage to the stationary vehicle caused by outside influences. These include theft, natural events such as hail, falling rocks or flooding, fire, acts of vandalism or marten bites. The partial comprehensive insurance also covers damage caused by collisions with wild animals.
Comprehensive coverage for newer motorcycles
It is worth taking out comprehensive coverage for newer motorcycles. Partially comprehensive insurance for up to seven and fully comprehensive insurance for up to four years after initial start-up. Whether it makes sense to take out this insurance protection afterwards depends above all on individual budget considerations. Comprehensive insurance is compulsory for leased vehicles.
Personal property insurance
The personal effects module covers personal items brought along in the event of theft and damage in connection with a comprehensive insurance event. Cash, credit cards, securities or jewelry are excluded. Electronic devices, motorcycle clothing and work utensils are also often not covered.
Accident damage to helmet and motorcycle clothing is covered by the insurance with the inclusion of the motorcycle clothing component.
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