The coverage of Fire is another optional cover you can add to your Sure. of third parties. Know what the fire insurance covers in case it is a partial fire (on the one hand give the bike), or total (of the entire bike) is important to know what we have hired and what compensation we must receive in each case.
Fire cover
Normally, in the motorcycle policies that have the fire cover we usually find a literal that says it covers the damage of the bike by fire, fire or explosion. In short, the fire cover protects the damage caused by the fire in our vehicle.
There are two types of fire within this coverage:
Total fire
The Total fire affects the whole vehicle or most of it. In these cases, the bike is usually declared as No. or Total loss, as the repair exceeds the value of the bike at the time of the fire.
Partial fire
The fire occurs in part of the vehicle. When it occurs on a part of the bike and does not extend to the rest, damage by partial fire means that the bike can be repaired or its parts can be replaced and that, if it does not exceed the value of the bike, it does not have to be declared as Total.
Fire extinguishing costs
If the bike is set on fire, it is very possible that the firefighters will have to come to extinguish the fire and prevent it from spreading. The fire department bill is very high, but if you have the fire cover, the insurance He takes care of her.
Values of compensation by the fire of the bike
Repair value
It costs to repair the bike. This coverage comes into action if your bike has been partially set on fire and the value of the damage does not exceed the value of the bike at the time of the accident.
Value again
That's the price you'd have to pay if you wanted. buy your new bike at the time of the fire.
If the bike is less than a year old, the insurers will pay you the full price of your bike when you bought it.. Some insurers cover the value again for the first two years.
Venal value
In the previous case, if the repair costs more than what the bike is worth, the insurer will pay you the venal valuewhich is the price your bike has at the time of the fire. according to a baremo which is regularly published in the so-called GANVAM tables. Every year it passes, the bike depreciates, so its venal value is becoming smaller and smaller.
Serial and optional accessories
What happens if a bike accessory is incited? The accessories are additional equipment of your bike. Many of them come standard when you buy the bike But on other occasions you want to put other tires on it, change the paint and put it in meta. In that case, now would not be standard accessories and will not always be covered by the Policy.
The standard accessories (those who already bring the new bike when you buy it at the dealership) come included in fire cover. You will not have to add them when you hire your policy and in case of loss the insurer will pay your repair or replacement price.
For the optional accessories that you have incorporated into the bike After you buy it, you must expressly declare them when you hire your policy to be protected by the fire cover and the insurer repairs or compensates for its value in the case of fire.
Luggage
Another common issue in the event of a fire is whether the insurer covers any luggage or items in the motorcycle's bags at the time of the accident. Normally the luggage is not usually covered by the fire cover but some insurers do cover it.. You will have to consult the general conditions of your policy if you cover the luggage within the coverage of own damage And what a limit. If there is such a cover, it is normal for you to be compensated for 150.€ or 300€.