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Is it worth taking out motorcycle insurance?

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He parked his motorcycle and, oops, when he got back it was gone. This is a common scene in many American cities. The headache will not be small, even more so when you calculate the damage. But not everything is lost. Motorcycle insurance can come into play to prevent so many setbacks, such as in the case of theft or theft.

If you are in doubt about insurance, learn more about its advantages and whether it is worth having protection. Follow!

He parked his motorcycle and, oops, when he got back it was gone. This is a common scene in many Brazilian cities. The headache will not be small, even more so when you calculate the damage. But not everything is lost. Motorcycle insurance can come into play to prevent so many setbacks, such as in a case of theft or theft.

If you are in doubt about insurance, learn more about its advantages and whether it is worth having protection. Follow!

What are the advantages of having Motorcycle Insurance?

For those who are still not so familiar with motorcycle insurance, it is worth clarifying that this modality is similar to auto insurance . That is, it aims to protect the motorcycle from a series of unforeseen events, such as robbery or theft, collisions and dry breakdown. It is a kind of guarantee for the driver to drive without major concerns.

Let’s see some advantages of having motorcycle insurance:

Cover theft or theft

If you’re just looking for burglary or burglary coverage , good news. One type of protection is called non-comprehensive insurance. What it means? It is a more affordable service, but also more limited when choosing coverage – total loss would be the other option. That is, compensation occurs if the motorcycle is stolen or stolen, but does not cover other damages.

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24 hour assistance

Although there are no other types of coverage in non-comprehensive insurance, there is an important asset: 24-hour assistance. In general, they are small services, such as locksmith and towing. In comprehensive insurance , more complete and comprehensive, the menu of assistance increases considerably. There will be an annual limitation on the use of the services, but they will be offered at more affordable prices or for free.

Check out some motorcycle insurance assistance:

  • tire repairer;
  • Keychain;
  • Headlights, flashlights and mirrors;
  • Washing and sanitizing;
  • Hammer;
  • Trailer;
  • Simple repairs;
  • Bread dry.

In addition to emergency services, insurance usually offers a wide accredited network of accessories stores with discounts for policyholders.

choice of toppings

Yes, motorcycle insurance offers several coverages to fill the insured person’s plan. Here, we talk about comprehensive insurance, okay? Intended for those people who want to have more extensive protection. Among the separate coverages available for purchase are:

  • Robbery or theft;
  • Collision;
  • Fire;
  • Damage to headlights, flashlights and mirrors;
  • Trailer extension;
  • Damage to third parties.

Important: the amount and availability of certain coverages may vary between insurers. Therefore, it is worth doing some research before hiring protection.

Indemnification to third parties

If you are involved in an accident and cause damage to third parties, be very calm at that time. Motorcycle insurance can also be an important ally at this time. As? With third-party damage coverage! Instead of having to open your wallet, the insurer takes action by compensating other drivers or pedestrians, either to help pay for vehicle repairs, as well as medical expenses that are necessary.

Ease of hiring

Affordable, insurance can be chosen in a few quick clicks remotely. After selecting the plan best suited to their needs, the motorcyclist is able to hire via the internet without long delays and so much bureaucracy. Thus, it ensures personalized protection that is within your financial reality.

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Why is motorcycle insurance important?

Have you already known some of the benefits of motorcycle insurance, but still not convinced that it is important? One of the known myths about insurance concerns the value : “It’s an extra expense, unnecessary!”. It’s not like that. Insurance, including motorcycle insurance, should be understood as a long-term investment by the vehicle owner.

Instead of dealing with major damages, such as a motorcycle being stolen, the insured person would be covered to avoid suffering a real blow to his budget . This is also valid for other times, such as a simple repair in a workshop that can be more expensive than you think.

In addition, insurance can be an important benefit depending on your use for the motorcycle. If you use it daily, as a means of transport or work, its absence would directly impact your routine. If you live in a region with a high crime rate, this is another factor to take into account and be protected.

Here are some reasons why it is important to have motorcycle insurance:

  • Loss reduction;
  • Prevents extra expenses, such as accidents with third parties or repairs;
  • Possibility of personalizing the insurance, according to your reality;
  • Assurance of the protection of an asset;
  • If the motorcycle is a means of transport, it avoids being too affected by something unforeseen;
  • If you live in a region with a high crime rate or the model is highly targeted for robberies or thefts;
  • If you intend to use the motorcycle for trips with some frequency.

After all, is it worth hiring Motorcycle Insurance?

Yes, it is worth taking out motorcycle insurance. However, insurance is not standardized for all people, which may influence whether or not you need protection.

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In summary, you should know your motorcycle profile before making the decision and closing insurance. Because? This way you understand how often you use the motorcycle, its purpose, your style, your budget, and even the chosen model . This will help to find out if insurance would be of great use, as we are talking about an investment.

Want an example? An app delivery person, who uses the vehicle for work, will be very different from someone who leaves it in the garage and uses it for sporadic trips. Therefore, the amount of insurance is not the same for everyone, also taking into account age, model, region where you live, among other items.

As a tip, try to reach an insurance that brings the desired cost-benefit. Depending on the person, prioritize the most essential coverage, in addition to being able to increase the participation in the deductible. In this way, the prize becomes more accessible and, thus, a plan of greater benefit to the motorcycle owner.

In motorcycle insurance, it is recommended to get a quote from more than one broker. Thus, you can research and compare services, benefits and prices in order to find the motorcycle insurance that best suits your needs.

With Hotpannil, the simulation of motorcycle insurance is quick, easy and very affordable. Make your motorcycle insurance online with us right now!

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