Supplements to motorcycle insurance
In addition to motorcycle insurance , you can choose to purchase additional policies. Which ones can you choose and what is the function? Not all supplements are always advisable. You should also avoid having double insurance. Only take additional coverage on your motorcycle insurance if it really adds value.
Insuring yourself and passengers
In motorcycle insurance you insure liability for damage caused by the motorcycle. Optionally, you can also insure damage to your own motorcycle. There are two additional insurances to alleviate the financial suffering for yourself and passengers in the event of an accident.
Accidental occupant insurance
An accident can result in serious injury or death. Accidental occupant insurance provides lump sum compensation in the event of personal injury. This is a payment in the event of permanent disability and death of the driver and/or passengers. You can partly determine the amount. In case of disability, the benefit is not sufficient to make up for the loss of income due to the disability. Most policies involve a benefit of tens of thousands to about one hundred thousand euros, and in the event of death, a lower amount is insured. Basically, you can determine the number of people you want to insure. Click here for more info.
Passenger indemnity insurance
This insurance is more expensive than accidental passenger insurance, but the coverage is also much broader. In addition to paying out for personal injury, this insurance also pays out for property damage resulting from an accident. For example, there is coverage for damage to passengers' belongings. In terms of personal injury, passenger indemnity insurance is also much broader. Both the driver and the passengers are paid the actual damages suffered. Suppose a passenger becomes disabled due to a motorcycle accident. From the passenger indemnity insurance follows a payment whereby the injured party is fully compensated. This can total hundreds of thousands of euros in the case of permanent disability.
Recourse legal expenses insurance
In some situations, you have to make your claim to the person who caused the damage. Normally this is not necessary with the most extensive WA casco insurance. The insurer will pay for the damage to your motorcycle. If your motorcycle has third-party or limited liability insurance, there is no insurance to recover your damages from the other party. For this you can take out legal assistance insurance. After damage, the insurer will take care of recovering your damages.
Legal expenses insurance for motor vehicles
This insurance also takes care of recovering damages from the perpetrator, but the coverage is broader than the recourse legal expenses insurance. You can also use the insurance for a dispute with a motorcycle dealer, for example. Or with the garage because there is an issue about repair costs. You can even use this insurance for legal help for criminal prosecution due to an accident. However, there may be specific requirements for using the motor vehicle legal expenses insurance.
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