If you have a motorcycle, you know how important safety is and surely you have begun to consider looking at some other insurance so that your trips inside and outside of Spain are a luxury and you are not in any danger. Luckily today getting insurance for your motorcycle is much easier than a few years ago. What’s more, thanks to the online comparators that we can all access through our internet connection, you can calculate motorcycle insurance in a flash and buy it with the price of other insurance to obtain the one that best suits your needs.
Previous questions before calculating motorcycle insurance
If you are reading this article, it is very likely that you have certain doubts about motorcycle insurance. For example, if it is mandatory or which one is best for you. Let’s review the most common doubts and see how to deal with them together.
- If I have a motorcycle, am I obliged to have it insured? Yes, you are required to have insurance as with other vehicles. Both in this and in other vehicles, insurance that covers Civil Liability is required by law, that is, insurance that is responsible for covering damages to third parties in the event of having some type of accident. Driving without this mandatory insurance can lead to criminal consequences. In addition to the withdrawal of the motorcycle and its inclusion in a deposit, if in 5 days from when you were reported you do not show that you have your motorcycle insured, you can also receive a fine that ranges between €600 and €3,000.
- Can anyone drive a motorcycle? According to the latest modification of the General Regulations for Drivers, you can obtain a permit to drive a moped from the age of 15, but you will not be able to transport passengers until you are 18. As long as you are a minor, you will not be able to obtain a permit for a displacement greater than 50 cc, nor exceed 45 km/h. For this same reason, you will not be able to drive on highways or highways unless there is no alternative route to your destination.
- Is it difficult to take out motorcycle insurance? The truth is that sometimes it is somewhat complicated, especially due to the young age of some of the users of motorcycles with a displacement of less than 50 cc. In case of having a moped, it may sometimes be the case that due to the short experience of the insured and the few years of it, the insurance companies refuse to insure them. If this happens to you and you can’t get any insurance company to take care of your moped, you should go to the Insurance Compensation Consortium. The Insurance Compensation Consortium is a public entity in charge of welcoming all drivers who are accepted by a private insurance company. In order to be part of the Insurance Compensation Consortium, you must have been rejected by at least two insurance companies. But beware,
- Is compulsory insurance enough? It all depends on the type of use you give to your motorcycle or moped. Imagine that you buy a moped with which to move around your neighborhood in a timely manner to avoid long journeys on foot. In this case, it is likely that the compulsory insurance will be sufficient. But think, instead, of the opposite case: imagine that you have a motorcycle with at least 125 cc, that you use it every day to go to work and that, in addition, you use it for long trips and commutes. In this case, you will be much more protected with motorcycle insurance that includes more coverage and allows you to travel without fear. Consider well the use you give to your motorcycle or moped before opting for one insurance model or another.
Is calculating motorcycle insurance complicated?
Today it is super simple thanks to the multiple online comparators that you can find on the internet. Among the best known, you can review either tracker or hit, where they will ask you a series of questions that will be used to directly calculate motorcycle insurance and be able to compare it with more than 10 insurers.
What do you need to calculate motorcycle insurance?
To know how to calculate motorcycle insurance, we are going to need:
- The simplest thing is that you use an internet connection and either a computer or a smartphone.
- Read the following post carefully.
- Write down all doubts and calmly review the information.
Instructions for calculating motorcycle insurance
Step by step to know how to calculate motorcycle insurance:
- As we have advanced a few lines above, the easiest way to calculate motorcycle insurance is to use the multiple platforms that exist on the internet to compare insurance from different companies. Try tracker or hit for quick results. In addition, its pages are very simple and even if you are not an expert in Internet management, it will not cost you anything to use them.
- Once you decide on one or the other insurance comparator, it is time to enter your website and start the process.
- The usual thing when using one of these insurance comparators or any other, is that they ask you a series of prior questions in order to find out how much your fee could cost.
- In order to calculate your motorcycle insurance, you need to indicate the brand of your motorcycle. The most common brands are Aprilia, BMV, Daelim, Derbi, Ducati, Gilera, Harley Davidson, Kawasaki, KTM, KYMCO, Hyosung Honda, Peugeot, Piaggio-Vespa, Rieju, Suzuki and Yamaha.
- Once you indicate the brand of your motorcycle, you must specify the model and indicate if you have just bought it and its registration is less than 30 days old, if you have bought it second-hand (indicating whether you have done it from an individual or from a dealer. In the latter case, 0 km motorcycles are included, or if you already had one previously.
- If you are looking for motorcycle insurance for your usual motorcycle or for a second-hand one, in all cases you must indicate how old it is.
- Another of the usual questions that will always be asked in an insurance comparator is to know the use you give to your motorcycle. Do you only use it on weekends or on vacation? Are you a regular driver and do you use it to work every day and have fun on weekends and in your spare time? Is it your work tool and you only use it for that purpose? The prices and the coverage they need will vary depending on the use you give to your motorcycle.
- The place where you usually park your motorcycle also influences the motorcycle insurance calculation. Do you park it on the street, in a collective garage or perhaps in an individual garage?
- To calculate your motorcycle insurance you must make an approximate calculation of the km that you think you will do throughout the year. The average is between 500 km, in case you use it infrequently up to 9000 km, if perhaps you use your motorcycle every day or as a work tool.
- To finish, think that when taking out any insurance it is necessary that you indicate to the corresponding insurance company, or that you specify it in the insurance comparator that you use, your age, your nationality, the type of driver’s license you have( It can be the A, with which you can drive all kinds of motorcycles or the A2, for motorcycles up to 50 cc), the date you got your license and where you got it (within or outside of Spain).
- Once these data are indicated, you will have to specify the following data related to the main driver: his sex, his marital status, the job he performs (whether it is a housewife, a student, a doctor or any other professional activity) and if you are going to regularly or never carry a passenger.
Tips for calculating motorcycle insurance
One last piece of advice about your car insurance:
Before taking out your motorcycle insurance, make sure you know what you are signing. Think that, once you take out motorcycle insurance that includes more than civil liability, the coverage will vary depending on what you wanted to hire. Sometimes we assume that our insurance includes certain coverages that may not be included.
Do not be afraid to ask and solve all your doubts in the customer service section of the company with which you wish to contract your insurance. Today, insurers offer all kinds of facilities so that the client feels comfortable. For example, if you contract your insurance over the internet, it is common to find a contact telephone number or even a file where you can include your telephone number so that they can call you. In these cases you can even indicate the time range in which it is best for you to receive a call or if you want them to call you immediately.
