If you're looking Sure. bike and you're not very clear what coverage hire, in this article we will tell you about insurance to third partieswhich is the most basic you can hire and compulsory insurance by law. Keep reading.
Moto insurance: Basic third parties
In Spain, secure your bike is required by law. It doesn't matter if you have it. parked in a garage for months And never take it out or use it just a few days in the summer. If it is not released in traffic, you must secure your bike with at least the most basic insurance: that of third parties.
Third-party insurance is the most basic and generally the most economical option. If you are looking for a cheap bike insurance, the cheapest option you will normally find is third-party insurance. However, you should also bear in mind that the coverage is minor and has advantages and disadvantages:
Advantages of third-party motorcycle insurance:
The main advantages of third-party bike insurance are as follows:
1. Cheapest prices
The premium from insurance to third parties is considerably lower than from insurance to all risk. This makes it a more affordable insurance for a wide range of drivers.
2. Complies with compulsory insurance
If you have third-party insurance, you comply with the law, since in Spain, all motor vehicles (and therefore motorcycles), even if they do not move from the garage, have to have at least a third-party insurance.
3. Basic coverage
The insurance to third parties will give you the coverage of Civil liability the damage you can cause to a thirdboth material and personal. Therefore, with this insurance you will protect your property in case of an accident.
Disadvantages of motorcycle insurance to third parties
In addition to advantages, you also have disadvantages that you must take into account:
1. Limited personal protection
This type of insurance does not provide protection for you or your bike in case of an accident in which you are guilty. If you are injured or your bike is damaged, you must pay for medical repairs or treatments on your own. You should know that medical care in case of traffic accident is not covered by Social Security, so we recommend that you hire in addition to third party coverage on your bike insurance, the coverage of accidents of driver.
2. Third-party unit
Eye, because with third-party insurance, you'll be at the mercy of other drivers and their level of insurance. If you get involved in an accident with a driver without insurance or insurers don't come to an agreement, they don't repair your bike and you have to go to trial, you can have financial problems or run out of bike until it's solved.
Complete your third-party bike insurance
As we have already told you, the most basic third party insurance includes only the Civil liability. Maybe you have an old bike, you use it little and you want to save and this modality I'm sure it can be good for you. But we believe that there are other important coverage that you must consider and that you can add to your insurance:
1. Driver accidents
It covers medical expenses in the event of an accident guiltyand compensation for death or absolute invalidity where applicable.
2. Legal defence and claim
The coverage of legal defence and claim take the costs of a lawyer and a procurator to claim your rights in case of an accident or to defend you if it is the opposite who claims you.
3. Travel assistance
Sooner or later, you'll need a crane. It's something that happens with time and better to have your assistance insurance on road covering assistance to the motorbike and the driver and possible occupant in your case. In inXur we give you the best options for you to hire a bike insurance that includes assistance or a Policy other than assistance that complements your safe bike.
If you need it, contact us.
In inXur we will explain everything about you Policy And you premium, so you have all the information and you can always make the best decision that suits your needs and those in your pocket.
Remember, if you prefer, you can also contact us on the phone by calling us on 911982330, sending us a Whatsapp to 660839546 or sending an email to clientes@inxur.com.
Our working hours are from Monday to Friday from 9.30 a.m. to 6.30 p.m. If you contact us outside this schedule, we will manage your application as soon as possible on the next working day.
