Practical guides – How to choose the right motorcycle or scooter 125? – Practical advice for choosing the right insurance

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How to choose the right motorcycle or scooter 125 ?

Practical guides - How to choose the right motorcycle or scooter 125? - Practical advice for choosing the right insurance

Tired of traffic jams or the metro, motorists and transport users turn to the 125. On what criteria should you base your purchase? Is the scooter the panacea in town? What are the basic rules? All the answers in this practical guide !

Practical advice for choosing the right insurance

Civil liability, a legal obligation

The is required by law under "Third Party Liability", meaning coverage for property damage and bodily injury caused by you to other people. But in order to make your life easier, the companies include in their contracts other guarantees that you will choose according to your needs..

Choose a coverage / price ratio suited to your case

The amount of your contribution depends directly on the guarantees chosen, your motorcycle or scooter, your bonus / penalty coefficient and more generally your profile (age, sex, CSP, location, etc.).

Be aware that one may apply different scales from those of another company for the coverage of the same risk depending for example on your profile.

It is therefore very useful to be able to determine which one has the best coverage / price ratio applied to your case..

Optimize your individual coverage

Carefully detail the clauses concerning your individual cover as well as that of the occasional driver (if you lend your vehicle) and your passenger.

You can also decorate your with one which will supplement the reimbursements of Social Security for example in the event of hospitalization (or usual care, dental, optical, etc.) or will guarantee the payment of a very interesting annuity in the event of handicap, even minor. It doesn’t look like much, and yet…

Choose the guarantees according to your vehicle

The age and value of your vehicle should also guide you in your choice: it is of course not profitable to choose an all-risk guarantee for an old 125 which will perhaps cost you more than the real value of your vehicle. !

In this case, a (RC) will suffice but will not cover the cost of repairing your own vehicle if you are responsible for the accident..

On the other hand, it is more prudent to take out one for a recent and / or expensive machine, for which the repair costs in the event of an accident will undoubtedly be much higher than the amount of your insurance premium..

The guarantees generally offered by insurance companies

In general, insurance companies offer:

  1. : it includes civil liability, usually accompanied by legal assistance.
  2. : it combines civil liability with the reimbursement of your vehicle in the event of theft or fire.
  3. : it covers the previous guarantees as well as the cost of repairing your own vehicle, regardless of your responsibility for the causes of the accident.

Beware of secondary guarantees !

Pay close attention to the other guarantees offered, which seem negligible at the time but are of primary interest if necessary: ​​amount of the deductible (it significantly influences the but also the reimbursement in the event of accident, theft or fire. ..), roadside assistance, coverage for accessories and personal equipment in the event of an accident or theft, etc..

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