Choosing good insurance for their motorcycle or scooter may seem like a trivial matter. Instead, it is an operation that requires great care. It may happen that, attracted by the promise of significant savings, you will come across unpleasant surprises. There are so many offers that it is sometimes difficult to find your way around and find the solution that best suits your needs.
So here is any advice about how to navigate the jungle of offers to find the most suitable motorcycle insurance.
LOOK FOR THE PRICE
Many times when you are looking for a policy, you aim to find such an offer that enables maximum savings. A legitimate goal nonetheless the price component is not the only one that needs to be evaluated. It is important to consider the offer as a whole and not just the final cost and pay close attention to what is included. Coverage and services may not be sufficient for what we need. It seems trivial, but it is important to repeat it so that you do not find yourself in a situation…: “I thought the insurance company paid for it“.
That’s why it’s important to go beyond just the final price and carefully evaluate the quality/price ratio based on included services and coverage.
Choosing online insurance has its advantages, especially in economic terms. In addition, everything is very convenient, because it only takes a few clicks. However, to be truly confident about what you choose, you need to have some knowledge of clauses. After all, insurance policies are real contracts, and if you want to do it yourself, you need to be very careful.
TPL INSURANCE WHAT AFFECTS THE PRICE?
What are the factors that affect costs from liability insurance? There are several of them, including the date of vehicle registration, as well as engine capacity, power, any options, class of origin, driver’s age, place of residence, and the age of your driver’s license.
These and other parameters, taken individually, can significantly change the price of an RC. For example, for the same motorcycle model, the RC of a resident of Campania will be very different from the RC of someone living in Friuli Venezia Giulia. Other guarantees such as theft/fire, roadside assistance, legal protection, driver injury, and others can be added to the basic insurance.
Personalization insurance has very specific costs, but it is important to immediately understand what the offer includes. Too tempting suggestions they often only include basic insurance, even with low limits.
WATCH THE MAXIMUM
Another thing to consider carefully it’s just the ceilings, i.e. the maximum limit that the insurance company is willing to pay for any damage. It is worth considering carefully also complicity. i.e. the value below which the insurance company does not recognize any compensation or payment.
Increasing the limit and decreasing the deductible leads to an increase in the cost of the policy. Therefore, when choosing, it is more appropriate to choose an insurance policy that offers a higher limit and a lower co-payment for the same or similar price. So be careful with offers that are too tempting…
ACCESSORIES WARRANTIES
As mentioned above, the policy may also include additional guarantees. Insurance companies offer many.
If the vehicle is new, e.g. Theft and fire it may be an additional warranty to consider, especially in the early years. It may then happen that you break down while traveling on a motorcycle. In these cases, it is roadside assistance can solve a big problem by allowing you to call a tow truck without incurring any costs.
The “driver’s injury” warranty covers injuries to the driver even in the event of an at-fault accident. The item you shouldn’t skimp on is legal protection which will allow legal costs to be paid in the event of disputes.
SUSPENSION OF POLICY
Riding a motorcycle or scooter is very nice. In winter, however, many choose to leave their two-wheelers in the garage. For this reason, insurance companies offer the option to suspend the policy for the period specified by the insured. On average, the minimum suspension period is 30 days, and in some cases, there may be maximum limits beyond which the insurance can terminate the contract.
It is clear that during the suspension period, the insurance guarantees expire. This means that the motorcycle or scooter cannot drive on the road.
BEWARE OF SCAMS
Beware of offers that are too tempting, check what they offer. But the most important thing is to stay beware of scams. If the proposal comes from a little-known company, always check the IVASS website (Insurance Supervision Institute), if it is registered in the register of Italian insurance companies, or if it is present in the lists of European Union companies that can operate with us.
If the proposal comes from an intermediary, even then it is important to check that it is registered in the Unified Register of Intermediaries (RUI) maintained by IVASS. In short, always be very careful.
ELECTRIC MOTORCYCLES AND SCOOTERS
It is gradually spreading also scooters and electric motorbikes. These models also need insurance to be in circulation, but when it comes to insurance, there are no particular differences compared to endothermic two-wheelers. The coverage needs are always the same.
Do electric motorbikes and scooters cost less to insure? Some insurance companies may offer discounts dedicated to these vehicles. Today, the economic benefit is diminishing as battery-powered vehicles become more common. But that doesn’t mean you can’t find a bargain dedicated exclusively to battery models.
