It’s simple sufficient to assume that motorcycle insurance coverage works in just about the identical method that automobile insurance coverage does. In precept, there are some similarities.
You pay a month-to-month charge, extra generally known as a premium, in alternate for canopy. If there’s an incident which you can declare for beneath your coverage, we’ll pay for the repairs or substitute. Oh, and the claims course of is basically the identical, with our claims groups taking glorious care of you each step of the way in which.
There are, nevertheless, some key distinctions to pay attention to, which we will spotlight for you proper right here.
Listed here are the primary variations between motorcycle insurance coverage and automobile insurance coverage.
Alternative is restricted
With regards to automobile insurance coverage, you are likely to get a selection between the dearer complete cowl, the extra inexpensive third celebration, hearth and theft cowl, and the most cost effective and most simple stage of canopy… Third celebration solely.
With regards to motorcycle insurance coverage, however, there’s often only one stage of canopy obtainable in the marketplace and that’s complete motorcycle insurance coverage.
We’ve finished issues a bit otherwise right here. We provide complete, third celebration and theft, third celebration solely, and theft solely motorcycle insurance coverage. Hey, some cowl is healthier than none in any respect, so theft solely is price contemplating should you’re strapped for money.
Racing on the monitor
Whereas it may be powerful to talk on behalf of all insurance coverage corporations in South Africa, we will say that usually, this coverage doesn’t cowl you for any type of racing. We undoubtedly don’t, so if you wish to get that ‘Quick and the Livid’ feeling, you’re going to need to benefit from the paid-for privileges of go-karting.
Nonetheless… The king’s motorcycle insurance coverage does cowl you for monitor days, as long as we’ve accepted them upfront.
Bike insurance coverage is dearer
There’s little doubt that bikers are extra susceptible than different motorists. Even a minor bump may end up in some nasty accidents and injury to your bike. To accommodate the vastly larger stage of danger related to motorbikes, these premiums are prone to be dearer than automobile insurance coverage.
This may come as a little bit of shock, as a result of most motorbikes value method lower than vehicles so that you’d assume that the premiums would all the time be cheaper.
The extras aren’t all the time the identical
Look, there’s the odd crossover in the case of the sorts of extras which you can add to your automobile insurance coverage and your motorcycle insurance coverage. For example, plenty of insurers will allow you to add scratch and dent insurance coverage to each.
However there are additionally some extras which are extra particular to motorbikes solely.
The primary instance in our royal bag of merchandise and advantages is canopy to your motorcycle gear. Once you take out our complete motorcycle insurance coverage, you may add cowl to your motorcycle gear for simply R1 a month.
No actually, it’s R1 plain and easy.
Easy methods to get easy low-cost motorcycle insurance coverage
There’s 1 massive factor that’s the identical as for automobile insurance coverage as it’s for motorcycle insurance coverage and that’s if you come to King Value, you may get easy low-cost cowl that has your again.
Our motorcycle insurance coverage even contains cowl for medical bills associated to an accident involving your insured motorcycle. That’s how a lot we care.
You’ll be able to see the way it works for your self by clicking right here to get a commitment-free quote right this moment.