What does all risk motorcycle insurance cover?
You are frugal about your motorcycle, so you want insurance that you can fall back on for damages if something does happen. All-risk motorcycle insurance is a wise choice. In case of damage to your motorcycle, the insurance pays out. With which insurance company you take out the insurance is a matter of comparison and you take out the motorcycle insurance with the widest coverage and the lowest price.
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WA (mandatory)
- Damage to others
- Theft and Fire Damage
- Damage to one's own motorcycle
WA Limited Casco
- Damage to others
- Theft and Fire Damage
- Damage to one's own motorcycle
WA Full Casco (All-Risk)
- Damage to others
- Theft and Fire Damage
- Damage to one's own motorcycle
When does all risk insurance pay out?
The insurer will cover any damage caused by your motorcycle for which you are liable. Your insurer will also cover damage to your own motorcycle. The same applies to damage caused by theft, vandalism, and storms, for example. This is the most comprehensive type of insurance. Even if you ride your motorcycle past a traffic jam and something goes wrong, the insurance will cover it—provided you adhere to these rules of conduct.
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Basic liability insurance and limited comprehensive insurance are cheaper, but you also get less for your money. In the event of damage caused by someone else, comprehensive insurance also covers your damages. The insurer will then seek reimbursement for the amount of the damages from the party responsible.
Isn't it better to always opt for the all risk?
All-risk insurance protects your motorcycle with the best possible insurance, yet it is not always the right choice. This is because the amount of the premium is the stumbling block. You are not going to pay a premium of a few hundred euros a year for a motorcycle with only a small value left. After all, in case of damage, it is based on the daily value. Normally you will not be paid more than the current value. When comparing the amount of the premium against the coverage you get. For an old motorcycle with a low value, it is probably better to choose the third-party motorcycle insurance.
What is the value of your motorcycle?
When calculating the premium, you are asked for two values, the daily value and the new value. You don't have to look up the value yourself. Based on the license plate number, it is filled in automatically. These amounts play an important role in all-risk coverage. The premium depends largely on the original value of the bike (new value) and the current estimated value (current value). Accessories can be included separately in the equation. These are additions that were not standard on the motorcycle when it rolled out of the factory.
By comparing, you get the all risk insurance at the lowest premium. This can save you hundreds of dollars a year.
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