What is the best motorcycle insurance?

What is the best motorcycle insurance?

Motorcycle insurance is compulsory as soon as you use a 2-wheeled vehicle on a regular or occasional basis. This insurance aims to protect your two-wheeler but also to cover you against the damage that you could cause to others. How to choose your motorcycle insurance? What guarantees do I need to take out depending on the use of your two-wheeler? Which motorcycle insurance offers the best quality / price ratio? Answers!
Is motorcycle insurance compulsory?

As soon as you purchase your motorcycle, one step is to take out Civil Liability insurance. This is the mandatory minimum guarantee for all motorcycle riders, making it possible to compensate victims of accidents for which a motorcyclist is responsible. Thus, the insurer will reimburse all damage caused to third parties, whether it is a third party present on the two-wheeler at the time of the incident (passenger) or a pedestrian.

However, this guarantee does not apply to bodily injury suffered by the responsible driver, nor to material damage to his vehicle. If you find yourself in such a situation, you will therefore inevitably have some out of your pocket ... This can be very costly because if you are injured, all the costs will remain your responsibility and neither you nor your family will receive any compensation. case of disability or even death.

This is why it is important to take out, in addition to the compulsory Civil Liability insurance for your motorcycle, driver's body protection. It will cover any bodily injury you may suffer in the event of a responsible accident. Although optional, such a guarantee is essential because the driver of a scooter or a motorcycle does not have any body other than his clothes. It is therefore imperative that he check with his insurer who may have already included it in his basic guarantee.

This obligation also applies to motorcycles which are stationary and have not been driven for a long time. They can cause a disaster due to improper parking or even be the cause of a fire.
What guarantees should you choose for your motorcycle insurance?

While Civil Liability coverage is mandatory for all driving of a land motor vehicle, it is not sufficient for a regular motorcycle driver. Insurers therefore offer other more comprehensive motorcycle insurance formulas, in order to meet increasingly specific needs. Thus, dedicated guarantees have appeared and allow a larger number of claims to be covered. Do not hesitate to use a motorcycle insurance comparator to compete with the different offers on the market.

The following table shows the main guarantees for motorcycle insurance:
Third party motorcycle insurance
Details of guarantees
- minimum level of protection (Civil Liability),
- allows you to compensate a third party for bodily injury or material damage caused by your motorcycle
Who is she talking to ?
For owners of a motorcycle that is used little or nothing.
Average price
From 12 € / month
Intermediate motorcycle insurance
Details of guarantees
- Civil Liability guarantee,
- theft and fire coverage for your motorcycle
Who is she talking to ?
Basic formula but allowing to include options to best customize your motorcycle insurance, according to your needs.
Average price
From 22 € / month
All-risk motorcycle insurance
Details of guarantees
- Civil Liability guarantee,
- theft and fire cover,
- driver's personal guarantee
Who is she talking to ?
Most comprehensive motorcycle insurance. For regular bikers and / or those with a valuable two-wheeler and wanting maximum coverage.
Average price
From 35 € / month

Specific guarantees are also available, only for motorcyclists and their vehicles. Some of these include:

    "collision damage": this applies in the event of an accident with an identified third party (vehicle, animal, pedestrian), responsible or not, subject to the amount of the excess in the event of a responsible accident;

    the "damage from all accidents". It is supposed to intervene in all cases, whether it is a simple fall or an accident with a third party identified or not. It is far from being superfluous when we know that in two-wheelers, the most frequent accidents are those where the scooter or the motorbike fall alone (skidding on a white strip or on a wet road, poorly controlled avoidance maneuver. , etc.);

    the equipment guarantee, which allows you to be reimbursed, in the event of an accident, for all your clothing (gloves, jackets, pants and boots), provided that it is specific biker equipment. Therefore systematically keep their purchase invoices to be able to provide proof of their value;

    the theft / fire guarantee, especially if your two-wheeler is brand new or very "fashion" (many equipment, sport version,