Correctly compare insurance classes for motorcycles
Anyone who insures their motorcycle should get an overview of the various insurance classes before buying. In this way, before you decide on a motorcycle, you can calculate the insurance costs incurred for each insurance class.
Interesting facts about motorcycle insurance classes
- Anyone who is on a motorcycle Road traffic wants to participate, must have taken out at least one liability insurance. If you want to register your motorcycle, you must provide proof of insurance.
- You can choose between different insurance classes and types of insurance. Basically, you can use your motorcycle Liability, Partially comprehensive or fully comprehensive insurance. You can agree on a deductible or contract without a deductible. Just as you wish. The insurance fees differ depending on the type of insurance and the amount of the agreed deductible.
- The insurance class is determined by the type of motorcycle and the motorcycle performance. There are numerous insurance companies that also include regional risk statistics in the calculation. Certain groups of drivers have a positive effect, such as B. Civil servants, women and infrequent drivers on the amount of the motorcycle insurance premium.
- Vehicles with a displacement of more than 50 ccm are also differentiated according to KW. If you are insuring your motorcycle for the first time, you will be classified in no-claims class 0 at 125%. If you or your spouse are also insured with a car, you will be assigned a no-claims class ½ at 75% of the insurance premium.
- If you choose between liability insurance, partially comprehensive insurance with and without a deductible or Once you have opted for fully comprehensive insurance for your motorcycle, there are eight regional classes into which you are classified can be. Depending on the region in which you register your motorcycle, up to 30% additional costs may be due. The insurance classes are calculated according to many factors: According to the driver, whether there are no accidents, according to engine performance and according to the regional risk of the motorcycle.
- The insurance class determines the amount of the insurance premium to be paid. You will be downgraded depending on how long you have been accident-free, and if you have one accident cause you will be promoted.
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