Car insurance covers engine breakdowns

Motorcycle FAQ: How useful is partial coverage?

What types of insurance are useful for motorcyclists and how can I insure my motorcycle against theft? We answer the most common questions about motorcycle insurance.

What is the difference between motor vehicle liability, partial and fully comprehensive insurance for motorcycles?

The same provisions apply to motorcycles as to motor vehicle insurance: Motor vehicle liability insurance protects any accident victims - including the pillion passenger - and must be taken out by every owner. For example, it pays for damage to third-party vehicles, buildings or people.

Partial or fully comprehensive insurance covers damage to your own vehicle. The partially comprehensive insurance covers a number of precisely defined cases of damage, for example theft or damage caused by storms and hail. The fully comprehensive insurance replaces - in addition to the services of the partially comprehensive insurance - further damage to your own motorcycle, for example damage after an accident you caused yourself. It also covers the cost of damage caused by vandalism such as scratched paint.

How can I insure my motorcycle against theft?

To the chagrin of their owners, motorcycles are a popular stolen property. Out of 1,000 insured bikes, an average of 1.6 copies were stolen in 2019 - a figure four times higher than that of a car. A comprehensive insurance protects against such damage. Your performance: After a theft, it usually replaces the replacement value of the motorcycle. With some tariffs, the new or purchase price of the motorcycle can also be insured for a specified period after the initial registration or the date of purchase.

Are luggage, sat nav and sports exhaust also insured?

Certain parts that are permanently attached to the motorcycle are insured in the partial comprehensive insurance. These include, for example, permanently attached case systems or even the helmet, provided that it is attached to the motorcycle with a lock. A mobile GPS or a luggage roll, however, are usually not insured.

To be sure of what is specifically insured, owners should ask their insurance company directly or take a look at the insurance conditions. Considerable differences are possible depending on the tariff selected. Examples are the co-insurance of subsequently permanently installed special equipment such as a sports exhaust or the replacement of protective clothing.

Tip: Keep receipts for attachments.

What influences the motorcycle insurance contribution?

  • Engine power

    The following generally applies: the more horsepower the vehicle has, the greater the risk.

  • No claims discount

    There are damage-free classes ("SF classes"), just like with cars, with motorcycles. The longer an accident does not occur, the higher the no-claims discount granted by the motor vehicle insurance.

  • Regional class

    The regional classes reflect the damage balance from 38 regions. The following applies: The rarer and fewer the damage and accidents in a region, the lower the regional class. The regional classes are highest in Berlin, while motorcyclists in the Weser Ems region (motor vehicle liability insurance) or in Freiburg (partial comprehensive insurance) are rated cheapest.

  • age of the driver

    The statistics of the German Insurance Association (GDV) show that young motorcyclists cause more damage than the average. Against this background, the GDV informs its member companies without obligation that a surcharge on the average damage requirement can be expected for younger drivers.

  • Employment Type

    The statisticians of the GDV differentiate the claims balance sheets of civil servants and employees of the public service from all other insured persons. The result: Public employees cause a little less damage than the average motorcyclist.

  • The deductible

    A deductible is usually agreed for partial and fully comprehensive insurance. It is no different in motorcycle insurance. Here, too, a simple rule of thumb applies: the higher the deductible, the cheaper the insurance premium will be. There is no excess in liability insurance.

  • Special factors

    The GDV risk characteristics are not binding for the insurance companies, each company calculates its tariffs and contribution amounts differently. The insurance companies take into account many different additional features: Some companies give discounts if the vehicle is in the garage. Others reward an existing ABS, still others reward holders of a BahnCard or a job ticket - so it's worth taking a closer look!

What applies to motorcycle insurance if I have a seasonal license plate?

During the winter months, many motorbikes are unused in the garage. Season license plates are therefore popular. If the vehicle is only used between April and September, for example, you can save not only tax, but also the insurance premium for the remaining six months. The best thing about it: If the vehicle is partially or fully insured, that applies Theft protection also continues in the winter months. The prerequisite for this is that the motorcycle is in a secure location, for example in a garage or on a fenced property.

Why does a letter of protection make sense?

Many insurance companies offer a cover letter for vehicles at the same time. He offers additional Protection in the event of breakdowns and accidents - For example, by assuming the cost of breakdown assistance or the towing service. Bikers can get quick help on the go with a cover letter from their insurance company.

Are accidents during races insured?

Races as well as the associated practice drives are excluded from the insurance coverage of the liability insurance as well as the partial and fully comprehensive insurance.

What applies to trips to other European countries?

In the countries of the European Economic Area (EEA), the insurance cover generally continues to apply. Additional countries may be shown on the green map. If you want to be better protected with rented motorcycles abroad, you need a so-called Mallorca policy.