Once the policy has been chosen, it is necessary evaluate two base values: the deductible and the ceiling. The deductible is the sum below which the insurance company does not reimburse us (up to that amount we pay); the ceiling is the maximum value covered by the insurance for a damage. The higher the ceiling and the lower the deductible, the higher the level of protection of our insurance; obviously the cost will be higher.
There are two other aspects to consider. The first is that generally the basic policy is with exclusive driving, i.e. the insurance is liable only if it is the holder who drives the motorbike. Even if the hypothesis that another person is driving our motorbike is remote (less if he is a scooter), let’s take it into consideration, because if this were to happen in this case we are not insured.
Else: do we make it suspendable? Yes, but pay attention to the conditions, how many times can I suspend it, how long can the suspension period last. When your policy expires, your coverage continues for another 15 days. After these, we can also not renew it, or enter into one with another company, but during the period in which our motorbike is not insured, it must be kept in a closed room (for example, to prevent the motorbike from falling and crushing a person’s leg) .
After these first steps, we chose our policy; now let’s move on to the second part: the choice of additional covers. We usually overlook them but that’s a mistake. In this regard, we offer some advice: we do not try to obtain safer and more convenient coverage (in the event of an accident) by lowering the deductible or raising the ceiling, given that the minimum legal threshold is very high: rather we buy ancillary guarantees, some of the which are very useful. Let’s see what they are, how to choose them and what advantages they bring us.
