Is motorcycle insurance possible without a motorcycle license?
You are in the process of getting your motorcycle license. It's going extremely well and you expect to finish with a month. In fact, you already have your eye on a nice motorcycle. You decide not to wait and buy the motorcycle right away. But what about your motorcycle insurance? Can you get it without a valid driver's license? Alpina explains it for you.
Consequences of riding a motorcycle without motorcycle insurance
Don't have a motorcycle license and decide to ride your motorcycle anyway? Then you run a big risk. If you now suffer damage, you must pay for the costs associated with this damage yourself. This applies both to the costs to yourself and to another person. These costs can be substantial.
Do you decide to drive without a license while insured? Then the insurance will still not pay out. Is someone else riding your motorcycle who does have a license? Then the insurance will pay for the damage incurred.
Why purchase motorcycle insurance?
With motorcycle insurance, you are at least "assured" that damage to others will be compensated. If you choose All-risk insurance, you are also assured that damage to you will be compensated (with exceptions).
Third-party insurance
Public liability insurance (TPL) is the minimum insurance you should take out. This insurance only covers damage caused by you to others.
WA limited hull insurance
With WA limited hull insurance, you are also insured for damage to your own motorcycle in some cases. This can be damage caused by fire, explosion, storm/emergency weather, collision with stray animals and theft. This also covers damage you cause to another person. Did you know that this insurance sometimes also covers cases where you are not driving the motorcycle? Perhaps you have the motorcycle stored somewhere and your motorcycle catches fire. In this case, the resulting damage to others is covered. Please note that this may vary from one insurer to another.
All-risk insurance
All-risk insurance covers virtually all damages. This includes coverage for damage to your own motorcycle when you are at fault in a collision.
Which insurance is best for you?
If you want to purchase motorcycle insurance and do not have a driver's license, there are a number of things you should keep in mind. For example, you are never covered if you decide to ride your motorcycle anyway. Is your motorcycle stored somewhere? Or is your motorcycle occasionally ridden by someone else?
Then WA limited hull insurance is the most logical choice. This will cover you when your stored and when someone else rides it.
Take out motorcycle insurance? Welcome at Alpina
Get your motorcycle insurance at Alpina now. With Alpina, you will always have the best possible coverage at the most competitive price. All you have to do is fill in your details on our website and we will give you an instant quote for the premium.
Do you have questions about taking out your insurance? If so, please be sure to contact our customer service team. We will be happy to answer all your questions.
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