Motorbike insurance | Runlarsrun Financial Guide

Motorbike insurance

Motorbike insurance. Each holder of the bike to travel on the road, must first have taken out insurance protecting it in case of accidents and casualties during the voyage. The mandatory insurance for motorcycles is sanctioned by law 990 of 1969.

The RC motorcycle, the insurance policy provided by mandatory law 990 of 1969, is a hedge against the damage caused to third parties and their means in case of accidents. Insurance is a contract that is strictly written agreement between an insurer and an insured person: the latter will receive a Certificate of Insurance certifying that the insurance premium has been concluded and that this half is covered by regular insurance.

On this certificate, the license plate of the vehicle appears assured, the name of the insurance company, the owner, the contract number and period of validity of the assurance that, in the case of motion, can be annual, interim or temporary basis.

The contractor agrees to pay a premium, while the insurer agrees to compensate the contractor in case of accident, after checking the actual damage caused to the other half, or other means, involved in the incident. In addition, the RC motorcycle can repair the damage caused to third persons. Law 990 of 24 December 1969 states that insurance companies are obliged to pay damages to third parties during an accident.

Motorbike insurance. Such insurance is absolutely mandatory for all vehicles in circulation. If the owner of a medium, be it a car or a motorcycle, he decides not to fulfill this obligation, will be required to pay a fine and his vehicle will be impounded. According to Article 1a, inserted in the law in 1992, the insurance must also cover the damages caused in countries outside the European Community.

With the RC motorcycle can provide all the two-wheeled motor vehicles, regardless of the displacement and the vehicle: motorcycles, scooters, mopeds and big bikes. In case of accidents, the accident is responsible for both the driver of the motorcycle at the time of the accident, both the owner himself, unless he proves that the medium was removed against his will.
Conclusion: better to have more quotes

For how on how to take out an insurance policy and what channels to use, we refer to the last paragraph of this guide. This section will help you in finding the insurance product that is right for you. First of all, an insurance policy from the budget: it is advisable to consult more insurance companies different from each other, before deciding what insurance is perfect for our situation. The budget allows you to see in advance what the cost of the premium and evaluate what is the cheapest company.

The estimate takes into account various characteristics, which will then have an impact on the final price of your insurance policy: first, the characteristics of the bike to be insured and its type. Then the year of construction and registration, with half the mileage so far, the province of residence of those who use the medium and, finally, the category to which the driver belongs bonusmalus. It sometimes may also request the age of the person who will use mainly the middle.

Motorbike insurance. The estimate can also add all ancillary costs, or the optional switches that you can choose for your insurance contract (for the information you need to in paragraph 4, which contains the most important accessory options for subscription). The specialized agencies operating on the internet, allow you to achieve your online quote yourself: you will only access the site, go to the section that deals with calculating the estimates and enter the data required by the insurance company. In this way you will have your quote directly to your computer.

Once obtained the estimates (remember, they are not absolutely binding), the contractor can analyze them at your leisure and decide that the contract is more convenient for their vehicles. At this point, choose the insurance company, the owner of the vehicle may enter into their contracts, making sure, however, that the premium payable is actually the one expected from the estimate previously prepared.
Coverage: What is insured and what is not

The insurance policies for their two-wheel cover, as with the automotive industry, civil liability against third parties, be they persons or things involved in accidents. They therefore cover the damage occurred during a road accident involving other people or damages related to the other vehicle involved in the accident. This insurance is absolutely mandatory and there are penalties for not respecting the law (see first paragraph).

The Rc motorcycles, such as RC car, and provides basic coverage as compulsory third party liability and damages against the media involved. And ?responsibility insurance of the driver who caused the accident to pay damages. As for the damage to the vehicle, the company is responsible for all the damage that can be directly traced to the accident itself. Does not cover any repairs made by the owner but that may have been caused by the accident itself (such as damage due to wear or damage of the medium itself that date back to earlier periods). Will be for the company, through specialized experts, make sure the damage actually caused the accident.

Moreover, the insurance policy provides the basis to compensate for damage caused to third parties during the incident. In this regard, we recall only those that are compensable injury supported by medical findings, to ensure the actual state of health affected in the aftermath. This does not include damage ?moral? or ?psychic? caused by the incident.

Recall also that the compensation is provided within the limits of the insurance premium under the policy taken out with your insurer. However there are minimum amounts provided for insurance, under which no insurance company can and must come down. And if the accident occurs with a non-insured or can not identify the culprit of the accident, a fund exists in our country, the ?Guarantee Fund for the victims of the road? managed by the National Institute of Insurance, which indemnifies the damage in these cases.
Options: when to extend the insurance policy

There are several options that can be subscribed at the time of signing the contract, as in the case of an agreement to insure your car or any other means must be provided by law. Let us recall that the insurance so-called ?base? only covers damage caused to their vehicle and themselves, to allow others and other people involved in incidents. The vehicle owner can decide whether to include in the bill one of these optional features, which, remember, they increase the price of the insurance policy.

Fire and Theft
This option includes all the damage that may occur on their vehicles because of a fire, due to several causes. The compensation, in this case, is bestowed on the basis of damage reported by the means, if they can be repaired. Otherwise the insurance will reimburse the market value of the medium itself, based on the reported sale price of the magazines that specialize in motorcycle use.
In addition, the bill fire-theft compensate the owner of the medium in case this is stolen. In the latter case, the compensation corresponds to the market value of the motorcycle at the time is subtracted from the owner.
Natural events
Some insurance companies allow you to enter into a contract in which compensation is also provided if your vehicle has been damaged by natural events such as hail or other natural disasters can not be attributed to human beings.
In addition, the motorcycle owner can decide whether to sign the policy annually or on a temporary basis. This last option is very useful for those who are riding on two wheels all year, but only at certain times. This will greatly save on insurance premiums, paying only for the period in which the vehicle is actually used.

Damages: How do

In case of accident while aboard their bikes, you need to fill the Cid, the paper?s statement friendly, just as in the case of automobile accidents. In severe cases or unclear, it is much better to call firefighters to figure out who is to blame for the accident. Once reported the accident to your insurance company, it will be up to do all the checks and start the procedures for compensation of damages against the other half. Or conversely, will be the company of the other driver to pay damages of your vehicle.

If the moped is damaged, but only in small part, the insurance company will pay back all expenses incurred for the repair of the vehicle. They are, however, excluded from the compensation to all those expenses that have improved the vehicle and those relating to items that deteriorate with wear. The damages, therefore, pays only the portion actually damaged during the accident.

If the half, however, has been stolen (and it has been signed a bill theft) or if the motorcycle was completely destroyed during an accident or otherwise, by law the company must compensate the owner of the second half the market value of the bike when the accident occurred. This market value, which can be easily found on the journals of motion, corresponds to the selling price of the vehicle used and varies from year to year depending on the model and actual wear of the vehicle (mileage, original pieces, etc).

Even in the case of damage from natural events such as hail or other causes not attributable entirely to a human being, if you have signed the option contract, you can get the money needed to repair the vehicle.
Companies online: better watch out

There are several ways to take out an insurance policy for your motorcycle. From the ?classic? insurance company ?physical? to policies taken out on the latest internet or phone, which saves on the final price. Just to save on insurance, which in recent years has seen an increase in prices is not unusual that the owner of half decides to make writing more quotes to calculate the greatest savings possible and usually the business written in a virtual office ?not physical? shows savings greater than traditional agencies.

Here is an overview of new modes that exist at the time to take out your insurance policy:

Online
This is a relatively new method to apply for cover not only for their two wheels, but for everything else. Not many insurance companies that deal with this type of subscription. Usually these are foreign companies, however, operate in our country. In the case of foreign companies, however, must be very careful: before signing the bill, make sure that Isvap has authorized the company to operate in this sector in our country. Here are a few companies: Direct Line Group, Onlinear, Direct Line.
Telephone
As in the case of insurance policies through the Internet, even for policies contracted through contact with an exclusive call center applies the same rule of saving: eliminating certain fixed costs, in fact, these companies are able to offer the most competitive policies that allow those who conclude the considerable savings on the contract premium payable. Again apply the advice above: we must ensure that our company may be qualified. Here are some companies that enter into contracts by telephone: Directline, Genertel, Zuritel, Onlinear, Genialloyd.

Both the business written on the Internet, and those contracted through call centers, provide for the automatic renewal: the final date of insurance, therefore, it is the duty of the owner of the vehicle renewal deal with the same insurance company or the takeover of RCA?s.

This is being categorized within Certificate Of Insurance subject plus Accidents matter as well as License Plate matter plus Casualties topic plus Validity matter .

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