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10 tricks for choosing the best motorcycle insurance |
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Thinking about taking out motorcycle insurance, but not sure how to choose the best one for your profile? Follow this article, learn more about motorcycle insurance and discover 10 tricks for choosing the best motorcycle insurance!

People who ride on two wheels, as well as car owners, know how important it is to have motorcycle insurance.


Because they end up becoming more susceptible to problems such as robbery and theft, or even greater damage in cases of crashes.

However, choosing the best motorcycle insurance can be a very complicated task.

Since, when taking out a policy, it must have coverage that meets the client's needs and, at the same time, fits within the budget.

If you are looking for answers on how to combine these two issues, and take out the best motorcycle insurance, without compromising your monthly budget, this article was made for you.

10 tricks for choosing the best motorcycle insurance

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How does motorcycle insurance coverage work?

Before we show you the tricks for choosing the best motorcycle insurance, find out more about the existing coverage for motorcycle insurance and how each one works.

It is important that motorcycle insurance coverage covers a series of factors, in addition to protection against theft and theft and 24-hour assistance.

Just like car insurance, motorcycle insurance has two most common types of coverage: basic and comprehensive.


Follow along and better understand how each of them works:

Basic motorcycle insurance coverage

This is a simpler coverage, where only situations such as theft and theft, and in some cases, 24-hour assistance are covered.

This coverage option will only pay compensation in cases of total loss, such as robbery or theft, where the motorcycle is not recovered or accidents that compromise 75%, or more, of the vehicle.

Comprehensive motorcycle insurance coverage

This is more complete coverage, which in addition to providing 24-hour assistance, also covers accidents such as traffic accidents, fires, theft and robberies.


This type of coverage usually covers both partial and total damage, the latter only in cases where more than 75% or more of the motorcycle has been compromised.

Since the types of compensation for total losses vary according to each company, some pay the amount corresponding to that found in the Fipe Table, while others stipulate a value when hiring the service.

How does the motorcycle insurance deductible work?

Another important thing to be shown is how the motorcycle insurance deductible works.

The deductible is an amount charged by the insurance company when the company is called upon to cover partial damage, that is, in cases where the damage is less than 75%.


There are basically four types of franchises available in the current market, they are basic, reduced, expanded and exempt, follow below and understand how they work:

  • Basic franchise: generally this deductible has a value stipulated by the insurer and which has a balance with the value of the premium and the cost of car insurance;
  • Reduced deductible: this franchise has a lower value than the basic one, however, to compensate for this reduction, the premium value increases;
  • Expanded franchise: this type of deductible has a value greater than the value of the basic deductible, and consequently the value of the premium is lower;
  • Exempt franchise: the exempt deductible cannot be chosen like the previous ones, it is only applied in some situations such as in cases of total loss, whether due to an accident or robbery or theft and for some coverages, such as coverage for third parties.

In other words, the higher the deductible value, the lower the value of the policy contracted, as well as the opposite.

The lower the deductible, the longer the policy.

Therefore, it is important that you choose the best franchise for your profile carefully, count on the help of a broker to help you with this choice.

What are the most important aspects when taking out motorcycle insurance?

Just like when you buy a product or hire any other type of service, it is important that you are aware of some important aspects related to taking out motorcycle insurance.


Below we will list a series of aspects that should receive greater attention in this negotiation.

It is important that you are aware of these issues in your policy, check them all and see if you agree before signing the contract.

  • Check that all chosen coverages are properly described in the policy;
  • Take the opportunity to clarify all the details regarding coverage with the broker, making it clear which situations are covered and what is not included;
  • Check all restrictions on coverage;
  • Pay attention to all cases and situations in which insurance cannot be activated;
  • Pay attention to the benefits offered, see if they are detailed in the policy.

See 10 tricks for choosing the best motorcycle insurance

Discover now the main 10 tricks for choosing the best motorcycle insurance and be well prepared in your negotiation:

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  1. Choose the best coverage for your case

The first thing you need to define is the type of coverage you will purchase.

For some people, comprehensive coverage, which offers more complete coverage, may be the best choice.

Especially in the case of people who use motorcycles daily as a means of transportation or as a work tool.


However, there are some cases in which people can use the motorcycle only for trips, in these cases, basic coverage also known as non-comprehensive coverage may be the most suitable.

If you fit into a profile that tends to have higher values, such as men up to 24 years old, and cannot afford these values.

It is possible that non-comprehensive coverage may also be the best option for you.

  1. Check acceptance by insurers

It is important that you check, before you even start price research, whether the chosen insurers accept your motorcycle.

Some insurance companies do not accept certain models of motorcycles.


Therefore, check this possibility before starting quotation requests.

  1. Do a complete price search

Get as many quotes as possible, the more quotes from different insurers you have, the greater your chances of getting a good price with the coverage and services you need.

Don't forget to compare values, coverage and benefits that each company offers.

  1. Research the reputation of your chosen insurance companies

Another important thing to research is the reputation of the companies where you are getting quotes.

It is essential to know what current and former customers think about them, this will help you get an idea about the service.

To do this, a good way is to access the 'Reclame Aqui' website.


It is possible to observe the number of complaints made by customers of these companies and how they resolved each situation.

Furthermore, it is also worth talking directly to some customers and asking how satisfied they are with the services and services.

  1. Make sure the brokers are qualified

Also find out about the professional qualifications of the broker who will assist you.

It is essential that the broker is duly accredited with SUSEP – Superintendency of Private Insurance, the body that regulates the professional class.

In addition to checking the broker's accreditation, also check the insurance company's accreditation with SUSEP.

Making sure of this will bring much more peace of mind and security when closing a deal.

  1. Carefully evaluate the type of franchise you choose

As we show in this article, there are three franchise options that can be chosen when hiring the service.

However, it is important that you are very careful in this choice.

In addition to choosing the most appropriate type of deductible for your case, it is important to pay attention to the value described in the policy at the time of the contract.

  1. Pay attention to the profile described in the insurance contract

Another important point that must be observed when choosing the best motorcycle insurance is the driver profile described in the contract.

Make sure it, as well as all your data, is correct.

Because, if there is any contradiction, there could be serious problems when you need to activate the insurance.

  1. Please read the exclusion items carefully

It is common for there to be some exclusion items in the policy, and it is important that you are aware of all of them.

Check that all items and situations that are not covered by the insurance being taken out are properly detailed in the policy.

Read it carefully and see if everything is in accordance with what was agreed with the broker.

  1. Choose coverage that has 24-hour assistance

If you can pay a little more to have 24-hour assistance, it's worth including it in your coverage.

Most of them offer services such as towing, electrical and hydraulic services and help in cases of dry or mechanical breakdown.

  1. Do not omit any information

It is extremely important that you do not omit any information, especially if your motorcycle is a work tool, as in the case of motorcycle couriers, for example.

There are some insurance companies that do not accept this type of vehicle.


Because they circulate in many different places, it becomes difficult to determine the risk margin.

If this is your case, and you omit this information when hiring the service, if you need insurance, you could have serious problems.

Pay attention to these tips when choosing the best motorcycle insurance and take the opportunity to get a quote now to protect your motorcycle.


10 tricks for choosing the best motorcycle insurance |

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