Some tips to Ensure your Motorcycle at the Lowest Cost

Questions to ask before choosing his motorcycle insurance?

Before deciding in choosing his motorcycle insurer and opt for a form of insurance, it is essential to ask some questions about the intended use of the bike and the guarantees to which it is desired or can subscribe.
1. Each motorcycle's rate!It is also recommended before choosing his bike, to know what budget we will be able to devote his insurance. Too often the purchase of the bike is not aware of this setting, and then pose many problems (finding insurance, find additional funding, or just be able to roll).
If one is considering buying a motorcycle and as such we take absolutely opting for a sport, it may be wise to make the choice of his motorcycle starting rates proposed by insurers, not to ensure its sports at all costs, especially if one is a beginner and / or that one is under 21 years (therefore limited to 34 horses or motorcycle bridable 34 horses by motorcycle license or with the new A2 license 35 kw.2. Each biker its price!Recall however that bikers aged 18-20 cause about two and a half times more accidents than those 30 and over, this explains it. But also point out immediately that these are not the only young people to be in the sights of insurers. Are treated identically youth allowed less than three years (GDL), or uninsured drivers (car or motorcycle) during the same period of three years.
We regret that there is no tool that allows to define which motorbikes and what guarantees would be possible for an insurance amount defined in advance ... One more effort, expensive insurance companies!
If your choice of motorcycle is finalized or are already in possession of a motorcycle, it is strongly recommended to establish a detailed list of your needs in terms of use, and whether we want to ensure its bike for recreational use or for work, to work or just ... move.3. Questions to ask yourself (and those that will ask insurers), and our responses:
a / Will I use my bike for only the walk, or also for professional use (travel, travel, etc.)? Ensure his bike for professional use:
b / Will I be required to work and / or live abroad and use a motorcycle registered in France? You should know that the bulk of motorcycle insurance policies provide for a maximum annual period of traffic outside France (in general, it is 3 months).
c / Will I be the only driver of the motorcycle or will I lend my bike? Who will I pay?
d / What is the value of my bike? Is it worth the present value of my motorcycle insurance against theft or comprehensive insurance? Estimate the odds of your machine:
e / Do I want to ensure the accessories and equipment of the bike? This insurance has an additional cost. §A you to see, but know that the discount of the accessory is fast ...
f / What values ​​deductibles? What types of franchise?
g / What does the guarantee "defense action" and "legal protection" insurance for my future? Under what conditions apply them?
f / In case of failure, insurance she supports assistance? The repatriation? Under what conditions? Troubleshooting is generally covered by insurance, but it is not mandatory for entry-level contracts or minimum coverage. Please note also, all the audience is not the same, we recommend against IMA (Inter Mutuelle Assistance), assistance for mutual insurance companies. optimal service in general.
g / Is there a mileage deductibles or exclusions that make the breakdown assistance without effect? Until very recently, most insurers do you attended in the event of failure occurring at a distance of 50 km from home ... This deductible mileage tends to disappear thanks to the proliferation of insurance offering a guarantee "0 km".
h / how many kilometers I am likely to go in a year? Some insurance policies offer insurance in effect kilometer (La Parisienne Insurance (1)) or insurance for a given number of kilometers. This can be interesting.
All these parameters are important and are too often given in small print in the terms of the insurance contract.
4. What type of motorcycle insurance should be chosen?There is first mandatory insurance called "third" or "liability" which covers compensation for injury and damage caused to third parties. At this insurance obligatory third-party add optional benefits:

the warranty to the driver,the loan guarantee from the motorcycle,the warranty damage,warranty theft and fire,legal protection,Insurance walk or work ....This list is not exhaustive and attract customers, each insurer offers guaranteed its own up to the theft of equipment stolen computer in its top case.5. Beware of deductibles and exclusionsHundreds clauses of an insurance contract are "vicious" and lead to empty the contents of the contract! In fact, some insurance contracts that seem attractive are only because deductibles and exclusions are many. Carefully read the contracts to find them. The insurance must provide on their site without obligation to purchase conditions and specific terms of their contract. Charge you to properly monitor the sentences in small print or the presence asterisks indicating specific cases.
6 / careful to be aware of the obligations you impose your contractNote the constraints you impose your insurer for your warranty to be valid and can play effectively:

tattoo or burning of the motorcycle,anti-theft device (immobilizer or immobilizer)Parking conditionsConditions for refund
7 / Beware of any information sent to your insurerDo not ever lose sight of that a false statement (even unintentionally) during the subscription of the insurance contract makes it invalid if the insurer can prove that there was deliberate deception and that therefore the insured is in bad faith (Article L113-8 of the Insurance Code).
If the insurer can prove that there is a false statement by you, the contract will be canceled and will not give rise to any compensation or refund, and be aware that some insurers know enjoy. We must be particularly vigilant when filling the application form of the contract, or to promptly correct any errors.