Beyond their purpose, transport, motorcycles and cars have little in common, and neither do their users. For this reason, the needs when contracting motorcycle insurance will not be the same as in car insurance, nor will the coverage and contracting.
If you come from the car world, these are the differences between your car and motorcycle insurance that you must take out.
The price of motorcycle insurance is usually cheaper than car insurance, especially for mopeds and smaller motorcycles. However, larger motorcycles and especially classic ones do tend to cost more and therefore their coverage is usually more extensive.
The motorcycle loses more than the car, that is, it devalues faster and also less progressively. For this reason, comprehensive insurance is more for car than motorcycles. An expensive premium for motorcycle insurance can quickly exceed the actual value of the vehicle or what the insurer will pay.
Car covers, not motorcycle covers. We have already mentioned it, but all risk and the all risk with franchise are two common coverage in cars, but not in motorcycles. In the case of the franchise, the high cost of a total car loss makes sense, but the same does not happen with motorcycles, where compensation in these cases is less. The same happens with fire and glass covers since the risk of fire is greater in the case of cars and many motorcycles do not directly have windows that break.
Motorcycle coverage, not car . Puncture and fall coverage is, of course, for bikers. The car wheel can also be punctured and even if you don't know how to change it, most cars have a spare part or an anti-puncture kit that will get you out of trouble. There is no spare part included in the motorcycle and changing a wheel is not something that every driver or biker knows how to do.
Shock coverage. One more motorcycle coverage, although it is also included in the vehicle's comprehensive insurance. The difference between car and motorcycle insurance in this case is that with a motorcycle a small bump can translate into a serious problem that will have to be fixed and even having to call the tow truck.
The occupants. In car insurance, all occupants are insured. What's more, they are in many cases more insured than the driver himself. In your motorcycle insurance you must hire the companion's coverage so that he is covered in the event of an accident.
Roadside assistance with kilometer zero . This is classic coverage for cars and many insurers boast of it. The same does not happen in the case of motorcycle insurance, where it will not always be necessary to have assistance 'at the door of the house'.
The goods inside the vehicle . Very common in the car, but not in the motorcycle, also because the type of objects that are stored in one and the other are different. In your car you can leave your GPS, suitcases and much more. Valuables are not usually left on the motorcycle beyond gloves and a helmet, depending on the model. For this reason, many bikers ignore this coverage within their insurance.
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