Motorcycle insurance: how to get the best rate and good guarantees?

In addition to the guarantees common to any motorized land vehicle, good motorcycle insurance can offer you coverage for your specific needs, your equipment and your physical well-being. To get the best motorcycle insurance rate, discover our advice!

Which motorcycle insurance plan to choose?

Like any motorized land vehicle, rolling or not, you have a legal obligation to take out a civil liability insurance contract for your two-wheeler. This is a mandatory minimum guarantee to compensate for damage that you could unintentionally cause to other people with your motorcycle.

This insurance obligation is valid whether it is a motorcycle, a quad or a scooter.

Depending on the insurance plan chosen, your coverage for damage you may suffer or cause during traffic accidents will be more or less extensive. Be vigilant about the guarantees you may one day need: your security or the cost of your equipment deserve an expense adapted to the risk.

You have the choice between 3 levels of guarantee:

• third party insurance (mandatory), civil liability, civil liability, allows you to compensate a third party for bodily injury or material damage caused by your motorcycle, from €15/month,
• intermediate theft and fire insurance for your motorcycle and liability. It is possible to include options according to your needs, for around €25/month,
• Comprehensive motorcycle insurance is the most protective option. This motorcycle insurance guarantee offers you maximum coverage in the event of an at-fault accident, including for bodily injury that you may suffer, for the theft or loss of your motorcycle of €35/month.

>> I find the best motorcycle insurance on the market by comparing

Motorcycle insurance contracts make it possible to cover a greater number of losses and therefore offer guarantees meeting the specific needs of two-wheeled users.

You can add options according to the formula chosen from the following, non-exclusive list, to which a deductible will be applied where applicable:

• the “accessories and equipment” option for your special motorcycle clothing (gloves, outfit and boots) but also for the helmet, lock or top case, for example,
• the “breakdown assistance” option beyond 50km from your home or zero km, on your doorstep with a replacement vehicle,
• the “mechanical warranty” option for vehicles less than 10 years old with replacement of parts, labor included,
• the “collision damage” option in the event of an accident with an identified third party (vehicle, pedestrian, animal), whether responsible or not,
• the “damage all accidents” option, in the event of a fall, with a third party identified or not, animal or alone,
• the “franchise buyback” option,
• the “driver’s body protection” option, in the event of bodily injury or death, compensation, personal services, psychological assistance.

Do not hesitate to use a motorcycle insurance comparator to find, among the different offers on the market, the best plan at the best price.

How to find good motorcycle insurance?

Various criteria relating to your motorcycle and your own needs will be taken into account such as:

• The type of motorcycle and its engine capacity, its age, its purchase price and its current value, the financing of the purchase, the use you make of it: exclusive, occasional, leisure mode of travel, etc.
• your budget, your ability to re-equip yourself in the event of irreparable material damage to your motorcycle.

The characteristics of your biker profile also come into play:

• your place of residence, the parking location of your two-wheeler with or without the presence of a closed parking lot, your length of service as a motorcycle driver, your driving and accident history

To properly compare motorcycle insurance offers, take the time to choose the guarantees adapted to your needs and your motorcycle:

• in addition to your financial capabilities,
• the level of guarantees (third party or all risks) and coverage,
• the options,
• the deductible (i.e. the amount remaining payable by you after a disaster),
• warranty exclusions…