Home Motorcycle Insurance What does third-party motorcycle insurance cover?

What does third-party motorcycle insurance cover ?

Owning and operating a motor vehicle involves risks. To protect others from these dangers, insurance is required by law.

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Everything You Need to Know About Motorcycle Liability Insurance
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Everything You Need to Know About Motorcycle Liability Insurance

You must insure a motorcycle registered in your name with at least third-party liability (WA) coverage. As the owner, you are required to do so—even if the motorcycle isn’t being ridden yet. As soon as the license plate is registered in your name, you mustalsohave third-partyliability motorcycle insurancein place. What does third-party liability insurance cover, and what factors determine the premium?

Owning and operating a motor vehicle involves risks. To protect others from these dangers, insurance is required by law. If you hit a pedestrian, for example, the financial damages can be substantial. You don’t even want to think about hitting a pedestrian, causing them to become unable to work or even die. You can’t insure against the emotional distress, but you can insure against the financial consequences. And make no mistake about it! The damages can be quite costly.

When does liability insurance pay out?

Liability insurance never covers damage to your own motorcycle. The other party to whom you caused damage will be compensated by your insurer. This also applies if someone else is riding your motorcycle. The other party can file a claim directly with your insurer for the damage caused. Filing an insurance claim will cost you your no-claims years. As a result, your motorcycle insurance premium may increase in the new insurance year.

How much does third-party liability motorcycle insurance cost?

The premium depends on many factors. The most important factors are:

How much does the motorcycle weigh? – On average, a heavier motorcycle causes more damage.
How many kilometers do you drive per year? – Someone who drives 10,000 kilometers per year is more likely to have an accident than someone who drives only 2,000 kilometers per year.
What's your ZIP code? – In a busy city, there's a higher risk of damage, so the premium is higher there.
How is the motorcycle used? – When used for business purposes—such as driving lessons—there is a higher risk of damage compared to motorcycles used for commuting.
Is the motorcycle used only in the summer? – Not riding during the winter months reduces the risk of an accident

Would you also like coverage for your own motorcycle in the event of damage? If so, choose one of the two more comprehensive coverage options. The other two coverage options are: