The sunny days are finally back and you will be able to enjoy your motorcycle again. Given the unpredictable weather, you are probably wondering if there is an insurance company for motorcycles that would calculate its premium per kilometer as is the case for certain insurance companies for cars.
It is true that the question of insurance per kilometer seems even more relevant for motorcyclists than for motorists.
Quick update on this question.
Motorcycle insurance per kilometer
Motorcycle insurance per kilometer is not a product that is offered by many insurance companies. In any case, they do not highlight this insurance formula for motorcyclists. The reason is twofold. On the one hand, there are far fewer motorcyclists than motorists and secondly, motorcycle insurance premiums are much less expensive than car insurance premiums. Finally, the demand for this type of formula is still quite marginal today.
It nonetheless remains true that motorcycle insurance per kilometer makes sense and that you can undoubtedly make such a request to your broker who should certainly be able to answer this question positively.
How does per kilometer insurance work?
Motorcycle insurance works like car insurance. The insured declares the maximum number of kilometers he will travel over the insured period. It is a relationship of trust that is created between the insurer and the insured. Is there any control? In fact, no, insurance companies cannot control the number of kilometers you drive over the insured period and in fact, they would have little interest in it. It is at the time of reporting a claim that your company will ask you for the mileage of your vehicle and may question the relevance of your prior declaration when taking out insurance.
Note that many insurance companies offer a reduction in your insurance premium as soon as you drive less than 15,000 or even 10,000 km per year. On the other hand, very few companies offer true per-kilometer insurance, that is to say, insurance which even under 10,000 km still reduces your premium based on your actual mileage. So be attentive to this nuance and ask this question carefully when taking out your insurance.
Car and motorcycle insurance: the classic formula
All insurance companies will offer you a significant reduction in the amount of your motorcycle insurance premium as soon as you also take out a car insurance contract with the same company. Reductions on the motorcycle insurance premium can go up to 60% of the regular premium amount. Some companies even offer you a double reduction: both on the car premium and on the motorcycle premium. It is not uncommon to obtain a 50% reduction on the motorcycle premium and 15% on the car premium. In this case, you can always negotiate with your broker a greater reduction depending on the few kilometers you travel by car or motorbike. In short, it’s all a question of negotiations! Good luck !
