What is third-party liability insurance for a motorcycle?

As a motorcycle rider, you have a great responsibility—especially if you’re also carrying one or two passengers on your motorcycle. You fulfill this responsibility by driving safely so as not to put yourself or your passenger(s) in unnecessary danger. Still, you can’t completely rule out the possibility of an accident, since you could also be involved in one due to mistakes made by other road users.

Is passenger injury insurance really necessary?

In the event of personal injury or property damage, the passenger can hold the party responsible for the damage liable. If the damage was caused by a mistake on the part of the motorcycle driver, the insurer can be held liable for the damage. If the other party is at fault, that party’s insurer can be held liable for the damage. Unfortunately, the situation is often more complex. For example, insurers often shift the blame onto one another. In addition, these are often lengthy processes.

The situation is different still for the motorcycle rider. This is because the rider himself may also be at fault for the damage. In that case, no one can be held liable for the damage. For the motorcycle rider, passenger liability insurance is particularly important.

You can save on your premium by choosing passenger accident insurance. Be aware, however, that the coverage is more limited in key areas. Passenger liability insurance covers damages resulting from an accident. Passenger accident insurance only pays out in the event of death or permanent disability. Furthermore, the payout is limited to a one-time (often insufficient) amount.