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Like the car, motorcycle insurance is also mandatory. The contracting of motorcycle insurance covers the civil liability of the owner and the driver -in case it is not the same person- for damages and injuries caused to third parties.
When choosing the insurance of your bike keep in mind the coverage, especially that of accidents to the driver since not all companies offer it. Also look at travel assistance, because there are few insurers that cover it by dirt roads. And keep in mind the coverage for theft, there are companies that exclude it for various reasons such as the value of the bike or the accident frequency according to the model. At Ubica we will advise you on each and every one of the coverages you need according to your characteristics.
About motorcycle insurance
In Spain it is mandatory to ensure any motorcycle that circulates on public roads with a minimum coverage known as Mandatory Civil Liability. Motorcycle insurance will protect you in the event of an accident. At least any possible damage to third parties involved and, depending on the type of insurance chosen also from those suffered by the driver. But it all depends on the type of policy you take out.
This insurance covers the driver and the policyholder for any damages and/or losses that may occur as a result of an accident with the motorcycle. The insurer undertakes to cover or compensate the insured in the event of any of the claims stipulated in the policy.
Although motorcycle insurance, like car insurance, is among the most popular and with more competition in the market, so you can contract from different platforms in an automatic way. But it is advisable to be advised by a professional mediator who will help you choose the best coverages according to the required needs.
Basic Third Party Coverage:
It is the most basic form of coverage of motorcycle insurance that can be hired. It guarantees the mandatory protection necessary for movement. It covers damage to objects and persons for which the driver of the vehicle is responsible. If a motorcycle causes an accident when it collides with another car, the company of the person responsible, in this case the motorcycle, will be responsible for paying the material and personal damages that arise from the accident.
The basic guarantees of third-party insurance are compulsory and voluntary civil liability, legal defence and claim of damages, travel assistance, driver’s insurance.
- Civil liability
- Legal defense
- Damage Claim
- Driver’s insurance
- Occupant insurance
- Travel assistance
- other services
*Coverage may vary depending on the insurance company.
Expanded Third Party Coverage:
Third Party Extended Motorcycle Insurance offers the insured some more coverages that are added to the Basic Third Party.
- Civil liability
- Legal defense
- Damage Claim
- Driver’s insurance
- Occupant insurance
- Travel assistance
- Theft
- Arson
All Risk Coverage Coverage:
Motorcycle insurance at all risks are recommended for those who use the bike on a regular basis and especially suitable for motorcycles of high displacement. Normally all risk on motorcycle is linked to a franchise.
- Civil liability
- Legal defense
- Damage Claim
- Driver’s insurance
- Occupant insurance
- Travel assistance
- Theft
- Arson
- Own Damage with or without excess