Home Motor Insurance What does third-party motorcycle insurance cover?

What does third-party motorcycle insurance cover ?

Owning and driving a motor vehicle involves risks. To protect others from these dangers, insurance is required.

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To calculate premiums, we need the zip code of the primary driver. For private use, the youngest driver must reside at the same address as the applicant. In case of business use, you can enter the postal code of the company here.

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All about third-party motorcycle insurance

A motorcycle in your name is insured at least against third-party liability (WA). As owner you are obliged to do so. Even if you have not yet ridden the motorcycle. Once the license plate is in your name, the third-party motorcycle insurance must also be arranged. What does third-party insurance include, and what does the premium depend on?

Owning and driving a motor vehicle involves risks. To protect others from these dangers, insurance is required. When colliding with a pedestrian, for example, the financial losses can be high. Don't imagine that you hit a pedestrian, leaving him or her disabled or dead. You cannot insure the emotional damage, but you can insure the financial damage. And make no mistake about it! The damage can be very expensive.

When does third-party insurance pay out?

Third-party insurance never pays for damage to your own motorcycle. The other party you caused damage to will be compensated by your insurance company. This is also true if someone else rides your motorcycle. The other party can claim your insurance company directly for the damage caused. The claim on the insurance costs you claim-free years. As a result, the premium for motorcycle insurance may increase in the new insurance year.

What does WA motorcycle insurance cost?

The premium depends on many factors. The main dependencies are:

What does the engine weigh? - On average, a heavier engine causes greater damage.
How many miles do you drive per year? - Someone who drives 10,000 miles a year is more likely to be damaged than someone who drives only 2,000 miles a year.
What is your zip code? - In a busy city, there is a higher chance of damage, so a higher premium applies there.
How will the motorcycle be used? - With business use for driving lessons, for example, you are more likely to suffer damage compared to motorcycles used for commuting.
Is the motorcycle used only in the summer? - Not riding during the winter months lowers the risk of an accident

Do you also want coverage for your own motorcycle in the event of a claim? Then choose one of the two more comprehensive types of coverage. The other two coverages are: