What is accidental motorcycle occupant insurance?
The occupants on a motorcycle are poorly protected in an accident. In an accident, the risk of injury is relatively high. Passenger accident insurance is recommended as additional coverage on a motorcycle insurance. Partly because, as a driver, you are also responsible for your passenger.
Upon the death of one of the riders, a benefit follows. The amount involved is €5,000 per passenger. In case of permanent disability, a benefit also follows. This amounts to €10,000 per passenger. You can take out insurance for two or three passengers.
What does the benefit depend on?
Benefit follows upon death and once permanent disability is established. Payment does not wait for the complete settlement of the claim. This is because with accident passenger insurance, it does not matter who is awarded the claim.
The driver himself is also insured
As a passenger, in many cases you do not need accidental passenger insurance. You can hold the other party or the driver of the motorcycle you are on liable for the damage. Unfortunately, it is often not that simple and sometimes these are very lengthy lawsuits. For the passenger(s), accidental passenger insurance certainly adds value. For the driver, it is also a useful insurance policy. In the event of death or injury due to one's own steering error, one's own motorcycle insurance policy cannot be called upon for financial compensation. Accidental injury insurance simply pays out.
Passenger damage insurance is a supplementary insurance policy with broader coverage. For example, this insurance does not pay out a lump sum in the event of a serious injury. This insurance bears the actual financial damage caused by the accident. This insurance also pays out for property damage. The premium is higher, but the coverage is also much broader.
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