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 The insurance motor bike What the insurance civil liability ?
The insurance civil liability guarantees the compensation for the material and body damages caused with others by the driver of the motor bike or its passengers at the time of an accident.
Conceived to allow the victims traffic accidents always and to be correctly compensated, it is obligatory for any motorcyclist, and is thus included in any contract of insurance motor bike. Is the insurance motor bike compulsory ?
The law forces any motorcyclist to be ensured under what one commonly calls the civil liability.
This insurance guarantees the compensation for the material and body damages which could be caused with thirds by the driver of the motor bike or its passengers at the time of an accident. A contract of insurance motor bike can be limited to this simple guarantee, or to include other guarantees.
What the third party insurance and the comprehensive insurance? Any driver must at least be ensured for the physical and material injuries caused with the thirds by the assured vehicle (art L 211-1 and L 211-5 of the Code of the insurances).
This obligatory minimum insurance is called third party insurance or insurance of responsibility. The insurances all risks comprise wider guarantees and cover in particular the damage caused with your motor bike, whatever of it is the person in charge, even if it is the conductive (except in general in the event of control in the event of intoxication), and even if the person in charge is not identified (in the event of vandalism, for example).
The comprehensive insurance thus allows a better compensation than a third party insurance.
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What to make motor bike in case of theft ?
Check first of all that you specifically subscribed a Vol guarantee under your insurance motor bike. You must then carry out a declaration (felt sorry for) near the police station or gendarmerie in the 24 or 48 hours according to contracts' and send it in recommended with acknowledgement of delivery to your insurance company.
You must also explain the precise circumstances. Your insurer then will constitute a file and will ask you for that of the justifying documents (purchase invoices, certificate of not-pledge, possible document in proof of alarm if that were envisaged with the subscription of the contract). What to make in the event of attempt at flight of the motor bike ?
If you have a specific guarantee Flight, you should be covered with the title of the attempt at Flight. You must however prove that it is indeed an attempt (damaged direction, deteriorated theft protection device…). Proceed to a declaration at the proper authorities and send your declaration under 24 hours per letter registered with acknowledgement of delivery to your insurer.
What to make in the event of accident ? If there are casualties, first of all alert the helps as well as the gendarmerie. When you fill the friendly report, announce the fact that there are physical injuries. In all the cases, fill a report and send it to your insurer in the 5 maximum days following the date of the accident. Fill this report on the spot even of the disaster.
In the event of dissension on one or more points, indicate it without ambiguity before signing bus if not, it will be too late.
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 The contract of insurance To choose its insurance motor bike as well as possible It is first of all advisable to define its needs.
Once the clearly identified needs, it is advisable to compare the various products offered according to guarantees' offered (for example complementary fire, flight, assistance and guarantees).
The amount of the contribution is obviously an element major to take into account but which varies according to the desired guarantees. Your motor bike is new and thus has a rather important value.
It is thus often advised to subscribe a guarantee All risks which will compensate you for the possible financial loss related to the supervening of a disaster.
What means the general conditions ? The general conditions are reproduced on a standard printed paper form pointing out the regulation applicable to the contracts of insurance, i.e., in particular, the methods of notice of the claims, the terms of payment, the regulations, and specifying the object of the insurance (definition of the ensured risks, exclusion of risks…) To include/understand an endorsement When the initial conditions of your contract are re-examined: removal, change of vehicle… your insurer emits an endorsement (a replacement), in order to validate your new situation and your guarantees.
The endorsement, just like the initial contract, must be signed by the policy-holder and the insurer, because the endorsement represents a proof of the modification of the contract.
It avoids the complete drafting of a new contract. To terminate my contract You can terminate your contract at the limit. You must warn your insurer within two month before the expiration date of your contract, by letter registered with acknowledgement of delivery.
You can ask for the cancellation of your contract in the event of change of your situation. The request must be justified, accompanied by supporting documents.
The insurer can refuse if the modification of your situation does not affect the covered risk.
No-claims bonus/Malus
What the No-claims bonus/Malus and how it evolves/moves? Obligatory since 1976 with an aim of incentive to prudence, the no-claims bonus-malus (or clause of reduction-increase) causes to adapt the amount of the premium/contribution of insurance to the behavior of the drivers of the assured motor bike.
The No-claims bonus/malus progresses in each principal term. It is calculated by means of a multiplying coefficient, the coefficient of origin being equal to 100 (driver beginner).
In the case of a standard use (private or deprived and ways + place of work), the evolution of the no-claims bonus will be done each year by multiplying the no-claims bonus of the previous year by coefficient 0.95.
As example, the no-claims bonus obtained starting from a no-claims bonus of 1 at the end of three years without accident will be 0,85 (obtained by calculation 0,95*0,95*0,95=0,85). It thus takes 13 years without accident to reach the maximum no-claims bonus of 50%.
What to make in the event of disaster ? Will know first of all that it is not held account in the calculation of the No-claims bonus/Malus of the disasters flight/fire/broken windows/storm which, in general, are not responsibility for the policy-holder.
At the time of a disaster you fill a friendly report. In fact the indications provided in this document determine your share of responsibility in the disaster:
if you are not that partially responsible for the accident the increase applied to your no-claims bonus of the preceding expiry will be 12.5%, or 1.125. A no-claims bonus of 0.75 will become 0.75 then * 1.125 = 0.84. If you are completely responsible for the accident, the increase applied to your no-claims bonus of the preceding expiry will be 25%, or 1.25. A no-claims bonus of 0.75 will become 0.75*1.25 = 0.94 then
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