What is passenger accident insurance for a motorcycle?
Motorcycle riders are poorly protected in the event of an accident. In the event of an accident, the risk of injury is relatively high. Passenger accident insurance is highly recommended as supplemental coverage to motorcycle insurance. This is partly because, as the driver, you are also responsible for your passenger.
In the event of the death of one of the passengers, a benefit will be paid. The amount is €5,000 per passenger. A benefit is also paid in the event of permanent disability. This amounts to €10,000 per passenger. You can purchase this insurance for two or three passengers.
What factors determine the benefit amount?
The benefit is paid upon death and as soon as permanent disability is determined. Payment of the benefit does not depend on the claim being fully settled. This is because, under passenger accident insurance, it does not matter who is found liable for the damages.
The driver is also insured
As a passenger, in many cases you don’t need passenger accident insurance. You can hold the other party or the driver of the motorcycle you’re riding on liable for the damages. Unfortunately, it’s often not that simple, and these cases can sometimes drag on for a very long time. Passenger accident insurance certainly offers added value for the passenger(s). It’s also a useful form of insurance for the driver. In the event of death or injury caused by a driving error on the driver’s part, the driver’s own motorcycle insurance cannot be held liable for financial compensation. Passenger accident insurance will pay out as usual.
Passenger injury insurance is a supplemental insurance policy that offers broader coverage. For example, in the event of a serious injury, this insurance does not pay out a one-time lump sum. Instead, it covers the actual financial losses resulting from the accident. It also provides coverage for property damage. The premium is higher, but the coverage is also much more comprehensive.
See also
- Claim-free years for motorcycle insurance
- Purchase Motorcycle Insurance
- Frequently Asked Questions About Motorcycle Insurance
- What is passenger injury insurance for a motorcycle?
- Passenger Accident Insurance: What Exactly Does It Cover?
- Passenger Injury Insurance: What Exactly Does It Cover?
- What is passenger accident insurance?
- The Motorcycle Insurance Policy Terms and Conditions
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