How to take out a motorcycle insurance contract ?

How to take out a motorcycle insurance contract
How to take out a motorcycle insurance contract

Do you have a motorcycle and want to insure it? Find out the main documents to provide to the insurer.

What you need to have

To insure a two-wheeler, the agencies first ask to fill out a form on which are specified the type of contract that the subscriber has chosen and the elements necessary to identify it.

Documents to provide

  • A photocopy of the registration card (definitive or provisional) essential to identify the scooter, motorcycle or motorcycle.
  • A document proving that the motorcycle really belongs to the subscriber. If the vehicle is a used vehicle, a copy of the two-wheeler transfer certificate, signed by the former owner, is required.
  • A copy of the driving license is compulsory to verify that the subscriber has an effective authorization appropriate to the category of motorcycle.
  • A statement of information provided by the driver. This document indicates his driving history with the bonus-penalty coefficient to calculate the motorcycle insurance premium.

Insurance certificate

Once all this information has been collected, the insurer gives an insurance certificate, also called a green card, in two parts. The first is the square insurance certificate, to put on the two-wheeler (at the front near the fork). The second part is the attestation of the motorcycle insurance contract where the information on the insurance and the driver are presented. These documents are used to certify motorcycle cover during a police check.

The different motorcycle insurance formulas

Insurers make several formulas available to you, depending on what you want in terms of guarantees. Overall, there are three types: the “third party” formula, the intermediate formula and the “all risks” formula. Each insurer is free to freely determine the content of its motorcycle insurance formulas. Some will include, for example, legal assistance or protection of your equipment, others will not. So do not hesitate to ask the insurer for more details.

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