What motorcycle insurance according to your profile?

What motorcycle insurance according to your profile?

In addition to the characteristics of the two-wheeler or the place of residence, the driver must take into account his own profile. Its history of claims will be carefully studied by the insurance company, keen to know whether or not there have been any liability claims in the past. This information is available through the information statement provided by the previous insurer.

Remember that any false declaration in the contract results in its nullity, even financial penalties or legal proceedings if the compensation paid was too substantial.

The rider's liabilities provide information on his overall behavior on the handlebars and the statistical possibility that he will be responsible for a claim afterwards. This is particularly the case for:

    Bad drivers who have been responsible for too many claims. Malussés motorcyclists are exposed to an additional premium because of their status and therefore their driving is too dangerous. The mark-up applied by the insurer is a way to financially compensate for the aggravated risk and to limit the danger of losing money with a client.

    Young drivers with insufficient driving experience: this status implies the application of an additional premium by the insurance company, in order to compensate for the lack of experience behind the wheel of a motorcycle. This provision is intended to counterbalance the increased risk and the more frequent occurrence of accidents caused by novice motorcyclists, which is all the more true on motorcycles because of their movement between cars, a behavior considered to be dangerous.

    Terminated drivers. The latter may have had their contract canceled because of an excessive increase in risk, the occurrence of too many claims, a false declaration, a default in payment or a withdrawal of a driver's license, for example. . They are also entered in the register of terminated members of AGIRA (Association for the Management of Information on Risk in Insurance), a file that can be consulted by all future insurers who may refuse to cover the motorcyclist because of a “risky” profile. ".

It will then be all the more important to use a motorcycle insurance comparator to study several offers before committing.
What insurance depending on the type of motorcycle?

The characteristics of the motorcycle significantly influence the amount of the motorcycle insurance premium. In fact, it is very important to accurately determine your needs as a rider, taking into account the potential for a loss to occur depending, for example, on your riding style or the age of the motorcycle.

The age of the two-wheeler has a significant influence on its value in the eyes of insurers and the more expensive a vehicle, the higher the premium will be, to compensate for the possible occurrence of a loss involving expensive repairs. It is therefore necessary to determine its needs in this area by using the date of first entry into service, the fuel, the mileage, whether or not it is possible to take a passenger in the rear.

    For a new motorcycle, it is preferable to choose efficient insurance, taking into account a large number of motorcycle insurance claims, because the cost of repairs would be high and difficult to bear by the insured alone.

    An older motorcycle can benefit from cheaper insurance, as the obsolescence of the vehicle makes it possible to find parts or have it repaired for less. However, a very recent motorcycle that only charges a few hundred kilometers on the odometer is less likely to break down or wear out parts than a two-wheeler from 15 years ago.

How the motorcycle is used: the more frequently it is used, the greater the risk of damage. It may be useful to tailor your motorcycle insurance to the number of kilometers traveled per year through motorcycle insurance per kilometer so that you only pay for the distance traveled.

The fiscal and engine power of the vehicle also has repercussions on the motorcycle insurance premium, since the more powerful a motorcycle (and the higher the number of cubic centimeters), the more easily the driver can lose control and surrender. responsible for a traffic accident.