What additional coverages are available?
With motorcycle insurance, you can also choose a number of additional policies. These do not provide coverage for the motorcycle itself, but they do, for example, cover the passengers and your clothing and helmet. You can even choose breakdown and legal assistance insurance.
Accidental occupant insurance
This supplementary insurance pays a lump sum if a passenger dies or becomes permanently disabled due to a motorcycle accident. The payment is independent of fault. The coverage also applies to the driver. A payment also follows if the driver himself is liable for the damage. Material damage is not paid out by the insurer.
Passenger damage insurance
This additional insurance is similar to the accident-on-passenger insurance, but the coverage is broader. In contrast to the cheaper accident-occupant insurance, this insurance also pays for property damage of the riders. Personal injury coverage is also much broader. In fact, the passenger accident insurance pays the actual financial loss. In case of incapacity for work, this can amount to hundreds of thousands of euros instead of the maximum of tens of thousands paid out by the accident-on-seat insurance.
Legal Aid
With this additional insurance you are entitled to legal assistance in disputes and issues related to your motorcycle. It may involve legal assistance aimed at government agencies, but you will also receive legal assistance in disputes surrounding an accident. For example, legal assistance can recover your motorcycle damage from the person who caused the damage.
Coverage for helmet, clothing and shoes
Possessions that become damaged and are not part of the motorcycle cannot be claimed on motorcycle insurance. By choosing this additional insurance, your helmet, clothing and shoes are insured. Attention! Some insurance policies already offer standard coverage up to, say, €750. When this is the case, you will see it reflected when comparing motorcycle insurance through Alpina.nl
Do you need additional roadside assistance?
You can co-insure roadside assistance with insurers these days. The costs are often lower than with companies that specialize in roadside assistance. It's nice to have something to fall back on in case of a breakdown, especially if the premium is affordable.
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