Motorcycle accident insurance coverage

When someone talks about drivers, I always think that there are different kinds of drivers. For instance, those who drive just for pleasure and wait for days off so they can drive for hours while playing loud music in their car. Those who drive only out of necessity and can't wait to get out of the car. And then there are the motorbike riders, people who love their motorbike and the freedom they feel every time they take to the road with it.

In Spanish, motorbike lovers are colloquially known as moteros. If you are one of them, you are lucky, because in this article we are going to tell you everything you need to know about motorcycle accident insurance coverage. Coverage, response times, smart alerts, and much more. Given that road accident rates have not fallen in recent years, it is important that you take into account as much information as possible when choosing a good insurance policy.

Basic points

Spain is a country with more than four million motorbikes in circulation, including low cylinder capacity motorcycles (up to 125cc) and medium and high cylinder capacity motorcycles (more than 125cc or more than 500cc). The number of motorcyclists is high and, as you can imagine, having insurance to drive on any type of road is compulsory in Spain. This is the civil liability insurance, which is also compulsory for cars on the road.

This compulsory insurance covers the damage and costs that you could cause to third parties in the event of an accident and it is usually included in the basic offers of any insurance company. The important thing then is to see what the added advantages are in order to decide on one or the other option.

As usual, to make a decision it will be important to consider how and how much you use your bike, where you ride, what type of bike you have, etc. Although the different insurance policies may all look the same, you need to consider your needs to find the insurance that suits you.

It is also advisable to confirm whether the insurance you take out includes insurance for the rider, in other words, the motorcyclist. It is common to think that if we have taken out civil liability insurance, that is, the basic insurance, we are already covered. However, this is not the case. This insurance will cover third parties involved in the accident (including a possible companion) but not injuries sustained by the driver. Therefore, we will need insurance that specifically covers us as drivers in the event of an accident.

More comprehensive coverage

Once the basic needs are covered, you can turn your attention to a number of other benefits. For example, roadside assistance, which can even offer on-site repairs. This option would be very convenient for those of you who are used to doing a lot of kilometres on the road, beyond the usual urban driving.

An additional advantage would be that your insurance could help you to claim fines. In these cases it is always helpful to have someone to guide you through the process, so that you can avoid the expense or even avoid the loss of points on your licence.

If you are a motorist who prefers to drive with total confidence in your insurance, and be a little more carefree on a day-to-day basis, you should opt for the most comprehensive cover. Theft, fire, medical cover, and even total loss of the motorbike, would be the most extensive cover for the most demanding drivers.

Motorbike insurance in Spain by Caser

To help you a little more in your search for your next motorbike insurance, I would like to tell you about a particularly interesting option offered by Caser Motorbike insurance. If you are already familiar with Caser insurance, you will know that they normally offer different types of insurance to adapt to the needs you have as an expat at every moment of your life in Spain. And the case of motorbike insurance is no exception.

As usual, at Caser you can choose between three types of cover: Third party, Third-Party with Theft, and Comprehensive with excess. In each plan you can extend the coverage, but in all three options you have basic benefits, common to all of them. For example, medical assistance for passengers and drivers, legal defence, claiming fines, or fire damage. However, there is one benefit that I would like to highlight in particular: Smart Alert-ReMoto.

Smart Alert-ReMoto

If you take out any of Caser's motorbike insurance policies, you will have the exclusive Smart Alert-ReMoto service, which offers you immediate medical assistance in the event of an accident, even when you are not in a position to call an ambulance. This is yet another proof that technological advances and artificial intelligence can work in favour of our safety.

With this service you will be covered throughout Spain, 365 days a year and 24 hours a day. When you activate this cover, in the event of a major impact, an automatic emergency signal will be sent to Caser, where the assistance staff will try to contact you. If you do not respond, help will be sent immediately to the place of the incident, which will be perfectly located thanks to the Caser application.

If you are interested in finding out more about how this type of cover works, you can find out more at this link. It can make a big difference in the event of an emergency, protecting you and the person accompanying you at the time of the accident. Without a doubt, it will not disappoint you.

It is evident that when you go out on the road with your motorbike it is essential to feel protected. That's why in this article I wanted to talk to you about motorcycle accident insurance coverage, so that you are informed to make the best decision. And when making your choice, don't forget to think about your motorbike, and also about your own safety and that of your loved ones. Remember that on the Caser website you can take a look at the different insurance policies for expats like you, who need coverage in Spain. And as always, don't hesitate to leave us a message if you need any help or clarification - see you next time, biker!