How to save on your Moto Insurance without risking your Security?
The Sure. of a motorcycle is a necessary investment for any motorist, but what to do when the budget is adjusted? Many drivers face the decision to choose between different optional coverage. Today we are looking at two of the most common: road assistance (crane) and insurance. driver.
When we seek to reduce the cost of our bike insurance, it is essential to distinguish between what is appropriate and what is essential:
Road assistance (Crane):
- Cost if you include the coverage in your insurance: between 40 and 60€
- Maximum service cost if you pay for it on your own: 200€
- Available alternatives:
- Help of friends / family with van or cart / trailer
- Timely crane services
- Push the bike!
Driver's insurance:
- Cost if you include the coverage in your insurance: between 40 and 60€
- It covers medical expenses and sequelae after an accident
- Social Security does NOT cover traffic accidents
- Costs in case of accident and hospitalization: may amount to thousands of euros
- No viable alternatives in case of an accident. If you have to go to the hospital, you have to go,
Cost comparison
Both covers have a similar cost in the Policy:
- Road assistance: 40-60€/ year
- Driver's insurance: 40-60€/ year
However, the financial impact if needed is radically different:
- Crane: Maximum 200€ per service
- Accident: Potentially thousands of euros in medical expenses
From Inxur, with over a decade of experience in motorcycle insurance, we recommend:
- If your budget is limited, always keep driver insurance
- Road assistance, although appropriate, may be non-expendable
- Prioritize your personal safety over convenience
Why is Vital the Driver's Insurance?
- Full protection in the event of an accident
- Medical cost coverage and rehabilitation
- Compensation for permanent sequelae
- Easy for you and your family
Conclusion
Security is priceless. While a crane service has a maximum known and manageable cost, the economic consequences of an accident without adequate coverage can be devastating. It invests in what really matters: your safety.
