Questions: Motorcycle Insurance

Did you know that it is mandatory to have Motorcycle Insurance when you own a motorbike? If you are involved in an accident and are at fault, where other people, their things or vehicles have been hurt or damaged, then you will be liable.

What does Motorcycle Insurance cover?

Motorcycle Insurance consists, as a minimum, of the mandatory liability insurance. It covers those claims that you, in an accident, are made responsible for inflicting on other people and other people's things. Most insurance companies allow you to add comprehensive insurance and various other additional covers.

The liability insurance usually covers you from 1 March to 30 November, as few people use their bike all year round. If you want to be insured all year round, you need to buy the additional All Year Around Driving cover if buying your insurance through IDA Forsikring.

Do I need comprehensive insurance?

A comprehensive insurance is not part of the basic coverage. You should therefore consider whether you need it. It is always a good idea to look at what kind of claims you can get covered by this insurance. Then you can determine if the insurance meets your needs and present situation. With IDA Forsikring's comprehensive insurance, you are well covered in the following way:

• Theft (loss by theft or damage caused by attempt of theft)
• Roadside assistance abroad
• Legal assistance (e.g. covering expenses for a lawyer)
• Additional equipment and accessories up to DKK 10.000

In addition, you have the option to take out the following coverings:

• Theft Protection – a good covering if you decline comprehensive insurance
• Decline of excess by theft - an excess of 20 pct. usually applies to motorcycle theft.
• Tryg MC roadside assistance
• MC driver accident insurance
• Additional equipment – if you have equipment for more than DKK 10,000
• All year around driving

What about excess?

Excess is the amount you pay if the accident is out. This means that if you file a claim that costs DKK 2,000 - and if you have an excess of DKK 1,000 - you will receive DKK 1,000 from your insurance provider.

The excess of a motorcycle insurance depends on how much the machine costs, the brand and your age. In some cases, the excess may be completely erased. If you are under the age of 26, you cannot take out the insurance without excess.

Are there any motorbikes that can’t be insured?

It is different from company to company, but IDA Forsikring generally insures all types of motorcycles.