April 26, 2024

Enjoy the sunny days on a motorbike: protect your driving with customised insurance

More than a third of total motorcycle accidents take place from June to August. It’s tempting to get out your motorbike when sunny days return! To enjoy your favourite rides with peace of mind you should think about insurance: are you and your bike well protected?

3 motos roulent dans une forêt.

The importance of motorcycle insurance for safe driving

Before getting on your bike to hit the roads and other routes, make sure you have motorcycle insurance that keeps you safe. The risks are greater and you’re more vulnerable on two wheels than in a car. Our biggest wish? That you never need to claim on your insurance policy! So, for worry-free riding take out full cover to protect you from injury or disability as the result of an accident. A successful trip means you feel safe thanks to personal injury cover.

On the financial side of things, insurance is essential. Between the cost of repairs, medical care and potential legal fees, the bills can soon add up. From claim management to compensation, your insurance company should be there for you at every stage.

Plus, there’s the legal aspect: as with any vehicle, civil liability insurance is compulsory. Apart from the importance of your safety and that of other road users, not being covered may mean you get 4 points on your driving licence.

Good to know: maintain your motorbike for maximum safety

The maintenance of your motorbike is vital for your safety. When the season starts, don’t forget to check your brakes, lights, and tyre pressure regularly. Moreover, on the legal side, an MOT/ technical control is compulsory when your motorbike is 4 years old, then when it gets to 6 years old and after that, every year: any defect can mean you get 2 points on your licence. The bonus? You can take your bike on many more thrilling rides!

The criteria to consider when choosing your motorcycle insurance 

There are three main points to consider when choosing your motorcycle insurance:

  • The type of cover. In general, you can opt for three types of cover depending on your needs. Compulsory basic insurance, known as third-party insurance, covers damage caused to others in the event of an accident. Your agent /broker can also offer you extras to this policy, such as fire or theft. Or, for total peace of mind, take out a comprehensive policy which covers damage to your vehicle.
  • The options. Then, think about all the additional cover that may be useful to you. For example, your accessories (helmet, jacket, etc.) can be very expensive: cover them to get back on the road as soon as possible!
  • Excesses. These are the amounts you have to pay and are deducted from the compensation paid. Depending on the policy, the amount can vary, or you can opt out of paying an excess, which affects the premium.

Keeping these tips in mind, you can choose a motorcycle insurance policy that offers the right balance between protection and cost.

The steps for taking out tailored two-wheel insurance

Specifically, here are the recommended steps to choose THE best protection for you and your two wheels:

  • Assess your needs: take the time to think carefully about your requirements. Identify your biker profile by asking yourself the following questions: how often do you use your motorcycle? What types of trips do you take? What is your motorbike’s value? Do you have a lot of personal protection equipment?
  • Compare offers: once you have a clear idea of your needs, review the different offers available. The goal is to find a balance between your needs and the limits of your budget.
  • Analyse the cover: study each quote. Make sure that the cover meets your requirements. If a point is not clear, don’t hesitate to ask your contact person. Are you not sure about a condition or an exclusion? Ask for an explanation!

Good to know: vintage motorbikes may require specific insurance

If you own a vintage motorbike, protect your investment with the right policy. Your insurer will take into account its unique, and often increasing value, as well as its occasional use.

Foyer’s complete motorcycle protection offer

With Foyer motorcycle insurance you can enjoy ideal coverage for you and your vehicle.

Full cover to ensure your safety

From civil liability to fire, theft and personal injury cover, we make sure that you and your motorbike are well protected in all circumstances.

Additional options to meet your specific needs

In addition to the basic services, Foyer offers a range of options to meet your needs. Customise your policy by choosing insurance with no excess, equipment and accessories cover (up to €5,000) or 3-year new value cover. Our “protected driver/rider” policy offers even more by also covering you on a bicycle, scooter or public transport.

A support service available 24/7

At Foyer, the safety and well-being of our policyholders are our priority. That’s why our helpdesk is available 24/7 to support you in the event of a disaster. Our team is here to provide you with the help you need, wherever you are on the road.

For a safe summer season, plan tailor-made motorcycle insurance. For a safe ride, protect yourself and your two-wheels with Foyer. Contact us now and head out on an adventure with confidence!

3 points to remember:

  1. Riding safely needs the right motorcycle insurance.
  2. Don’t compromise on insurance for your two wheels: consider your needs and research the compulsory policies!
  3. Foyer’s mobile solution – the best motorcycle insurance in Luxembourg at your fingertips.
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