What motorcycle insurance according to the geographical location?
In the event of a change of situation, the cost of his motorcycle insurance may also be modified, for example in the event of a move. It turns out that the city of residence is a risk factor for the insurer, as each municipality has different statistics on motorcycle theft.
Moving to a town where burglaries are less frequent has the advantage of renegotiating your coverage to pay less for your theft warranty. You can cancel out of date to change insurance as part of a move!
The type of parking used also plays an important role, since a private, closed garage overnight significantly reduces the risk of theft compared to open, unattended public parking.
How to cancel your motorcycle insurance?
Motorcycle insurance contracts are "tacitly renewed". They are renewed automatically each year. However, your motorcycle insurer is obliged to send you a notice of expiry, warning you of this renewal. Without receiving this notice, you have the option to cancel your motorcycle insurance on the date you want.
Termination at the end of the contract: after 1 year of subscription, the Hamon law on motorcycle insurance allows you to terminate your motorcycle insurance and change insurer. You will have to choose a new motorcycle insurer (before the termination of the initial contract) so as not to ride illegally.
Once the new motorcycle insurance is taken out, it is the latter who will manage all the administrative procedures with your old insurance: the effective change of insurance will take place 1 month after the request for termination.
Cancellation before the contract expiry date: there are a few cases where the insured can cancel their motorcycle insurance before the end of the first year. This process is also free of charge, and you do not have to justify your termination of motorcycle insurance:
sale, donation or transfer of the motorcycle;
theft or vandalism on the motorcycle;
moving house ;
unjustified increase in motorcycle insurance premium.
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