Protect and ensure its motorcycles is not only an obligation but also a necessity given the appeal of these vehicles for thieves.
Procedures in case of theft
With more than 100,000 scooters, motorcycle and other cyclo stolen per year, two-wheelers are among the most coveted vehicles. When theft occurs, the first step is essential to go to the state Commissioner of Police or the nearest Police. Thus, if the thief means the vehicle in an accident, the owner's liability is automatically released. As a result, the insured has only 48 hours to prevent theft insurance company, period beyond which compensation may be refused. The letter, to be sent by registered letter with acknowledgment of receipt must be accompanied by a photocopy of theft report obtained from the public forces and any evidence proving the facts (invoice, alarm documents ...).
To wit: Under the terms of the contract, the "attempted theft" can also be compensated, provided it can be proved (lock damaged, deteriorated towards ...).
Compensation of the insured
The compensation to be awarded to the explicit condition that the insured has purchased flight insurance for his motorbike. Faced with such a risk, it is advisable to check the coverage offered on each quote. If the two-wheeler is found or not, insurance will take different forms. If it is within 30 days after the theft, the cost of recovery and the amount of compensation will be paid within the limits of the vehicle's value. If it is not, the two wheels of the value will be determined by an expert as its rating Argus and compensation will be offered.
Protections required by insurance to prevent theft
Refunds for motorcycle insurance is increasingly conditioned to the prior installation of an approved anti-theft system. Certified locks SRA (Security and Automotive Repair) or NF (French standard) are deemed to be most prohibitive. Next the value of the vehicle, insurance may require parking in a garage or protected by an alarm. In all cases, this will be part of the contract terms and hardly negotiable thereafter. Also, it is to be well informed on subscription.
What if you disagree with his insurer
Whether the value of two-wheelers, the validity of protection or attempted theft itself, disagreements may arise between the insured and the insurer. When this happens, the discussion is the first resort, taking care to provide to support you all the documents likely to modify the expert report. If that does not work, a second opinion may be against company, your responsibility. Ultimately, the mediator of the Professional Association of the insurance company can act: it has the power to impose its point of view if it is in your favor. Otherwise, justice will be seized. This approach is, however, to consider well, knowing that the costs and lengthy procedures often far exceed the value of the stolen motorbikes.
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