{"id":2767,"date":"2025-07-07T11:17:14","date_gmt":"2025-07-07T11:17:14","guid":{"rendered":"https:\/\/lawebdeseguros.com\/?page_id=2767"},"modified":"2025-10-17T13:07:36","modified_gmt":"2025-10-17T11:07:36","slug":"motorbike-insurance-warranties","status":"publish","type":"page","link":"https:\/\/lawebdeseguros.com\/en\/warranties\/motorbike-insurance-warranties\/","title":{"rendered":"Motorbike Insurance Warranties"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<h2>Motorbike Insurance Guarantees<\/h2>\n<p>When we think of protecting our motorbike, the first thing that comes to mind is compulsory insurance. But do you really know what cover is included in your policy and which ones you can add? Knowing them will help you decide more clearly what you need. Today we explain, in a simple way, the most common guarantees included in motorbike insurance, so that you know exactly what you are taking out.<\/p>\n<h2>What does compulsory motorbike insurance cover?<\/h2>\n<p>All motorbike insurance policies must include by law a minimum guarantee: the <strong>Compulsory Civil Liability (R.C.S.O.)<\/strong>. This coverage covers you for damage you cause to other people or their property when you ride your motorbike.<\/p>\n<h3>Limits of compulsory insurance<\/h3>\n<ul>\n<li><strong>Personal injury:<\/strong> up to \u20ac70,000,000 per claim (regardless of the number of victims).<\/li>\n<li><strong>Material damage:<\/strong> up to \u20ac15,000,000 per claim.<\/li>\n<\/ul>\n<p>This insurance does not change between insurers, as it is regulated by law and is updated according to the European consumer price index.<\/p>\n<h3>What <em>no<\/em> compulsory insurance covers<\/h3>\n<p>It is important for you to know that this guarantee <strong>does not protect the driver at fault<\/strong> of the accident. That is to say:<\/p>\n<ul>\n<li>It does not cover your injuries if you cause the accident.<\/li>\n<li>It does not cover damage to your motorbike.<\/li>\n<li>It does not protect the items you carry on your motorbike if they belong to you.<\/li>\n<\/ul>\n<p>In such cases, it will be necessary to take out additional guarantees.<\/p>\n<h2>What guarantees are included in a basic motorbike insurance policy?<\/h2>\n<p>A basic insurance policy can include only Third Party Liability, or be extended with some extra covers, such as:<\/p>\n<ul>\n<li><strong>Legal defence and claims for damages:<\/strong> to help you with the legal formalities following an accident.<\/li>\n<li><strong><a class=\"wpil_keyword_link\" href=\"https:\/\/lawebdeseguros.com\/en\/special-insurances\/roadside-assistance\/\"   title=\"Roadside assistance\" data-wpil-keyword-link=\"linked\">Roadside assistance<\/a>:<\/strong> essential if you are stranded due to a breakdown or accident.<\/li>\n<li><strong>Driver's insurance:<\/strong> covers your medical expenses if you are the one injured in an accident.<\/li>\n<\/ul>\n<p>These covers are the most common in basic insurance and, although they are not compulsory, they can make a difference.<\/p>\n<h2>Differences between basic and extended motorbike insurance guarantees<\/h2>\n<p>When we talk about extended insurance, we are referring to policies that include more coverage than basic insurance. What guarantees are usually added?<\/p>\n<ul>\n<li><strong>Theft cover:<\/strong> if your bike is stolen, the insurance pays off.<\/li>\n<li><strong>Coverage for own damage:<\/strong> if you cause an accident, it covers damage to your own motorbike.<\/li>\n<li><strong>Fire:<\/strong> if the motorbike burns due to accidental causes, you would be covered.<\/li>\n<li><strong>Total loss:<\/strong> when the damage exceeds a high percentage of the value of the motorbike.<\/li>\n<\/ul>\n<p>These warranties offer much more comprehensive protection, especially if your motorbike has a high value or if you use it on a daily basis.<\/p>\n<h2>Motorbike insurance theft and damage cover<\/h2>\n<p>Many motorcyclists wonder whether their insurance will cover theft of the motorbike or damage if they have an accident. These guarantees <strong>are not covered by compulsory insurance<\/strong>but they can be added to more comprehensive policies:<\/p>\n<ul>\n<li><strong>Theft:<\/strong> usually requires the motorbike to be correctly parked and with safety systems activated.<\/li>\n<li><strong>Own damage:<\/strong> covers damage to your motorbike if you are the cause of the accident. It can also cover damage caused by vandalism or accidental falls.<\/li>\n<\/ul>\n<p>Before taking out a policy, check the conditions and exclusions. Some companies impose limits depending on the value of the motorbike or its age.<\/p>\n<h2>Tips before taking out your motorbike insurance<\/h2>\n<ul>\n<li><strong>Always read the Special Conditions and the General Terms and Conditions.<\/strong> There you will see what your policy actually covers.<\/li>\n<li><strong>Ask about exclusions.<\/strong> There are very specific situations that could leave you without coverage.<\/li>\n<li><strong>Consult a professional.<\/strong> At <a href=\"https:\/\/lawebdeseguros.com\/en\/\">The Insurance Web<\/a> we give you clear advice so that you can choose what you really need.<\/li>\n<\/ul>\n<h2>Which warranty is best for my type of motorbike?<\/h2>\n<ul>\n<li>If you have a <strong>classic or occasional motorbike<\/strong>If you have the basic insurance, you may have enough.<\/li>\n<li>If you use your motorbike <strong>on a daily basis or for long journeys<\/strong>it is advisable to add further safeguards.<\/li>\n<li>If you have a <strong>high-value motorbike<\/strong>An extended insurance policy can save you a lot of trouble.<\/li>\n<\/ul>\n<p>Every motorbike and every rider is different. That's why it's best to assess your personal situation and get expert help. You can visit <a href=\"\/en\/contact\/\">The Insurance Web<\/a> and ask for information without obligation.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"vc_tta-container\" data-vc-action=\"collapse\"><div class=\"vc_general vc_tta vc_tta-accordion vc_tta-color-peacoc vc_tta-style-classic vc_tta-shape-rounded vc_tta-o-shape-group vc_tta-controls-align-default\"><div class=\"vc_tta-panels-container\"><div class=\"vc_tta-panels\"><div class=\"vc_tta-panel vc_active\" id=\"1751887221238-58080127-4514\" data-vc-content=\".vc_tta-panel-body\"><div class=\"vc_tta-panel-heading\"><h4 class=\"vc_tta-panel-title vc_tta-controls-icon-position-left\"><a href=\"#1751887221238-58080127-4514\" data-vc-accordion data-vc-container=\".vc_tta-container\"><span class=\"vc_tta-title-text\">Compulsory Insurance (R.C.S.O.):<\/span><i class=\"vc_tta-controls-icon vc_tta-controls-icon-plus\"><\/i><\/a><\/h4><\/div><div class=\"vc_tta-panel-body\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>The compulsory insurance provided by law shall guarantee Civil Liability cover with the following quantitative limits.<\/p>\n<p>* In\u00a0<strong>Personal damages 70,000,000 Euros per claim<\/strong>\u00a0(Whatever the number of victims).<\/p>\n<p>* In\u00a0<strong>Material damages 15.000.000 Euros per claim<\/strong>.<\/p>\n<p>As it is regulated by law, this guarantee will cover the same capitals, regardless of the insurer, and will be updated according to the European consumer price index.<\/p>\n<p>It should be borne in mind that the compulsory insurance does not cover damages or losses caused by the injuries or death of the driver himself causing an alleged accident. Nor does it cover damage to property (material) suffered by your own motorbike or things transported on it owned by the policyholder, owner, insured or driver, as well as spouse or relatives up to the third degree of consanguinity or affinity with the aforementioned.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><div class=\"vc_tta-panel\" id=\"1751887221236-0dab6a2d-ae12\" data-vc-content=\".vc_tta-panel-body\"><div class=\"vc_tta-panel-heading\"><h4 class=\"vc_tta-panel-title vc_tta-controls-icon-position-left\"><a href=\"#1751887221236-0dab6a2d-ae12\" data-vc-accordion data-vc-container=\".vc_tta-container\"><span class=\"vc_tta-title-text\">Voluntary Insurance (R.C.S.V.):<\/span><i class=\"vc_tta-controls-icon vc_tta-controls-icon-plus\"><\/i><\/a><\/h4><\/div><div class=\"vc_tta-panel-body\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>The sum insured in the Voluntary Public Liability cover will be that which is reflected in the particular conditions of your insurance policy, although insurers generally cover a sum insured of \u20ac50,000,000.<\/p>\n<p>By means of this guarantee, the insurer will cover the indemnities to third parties, which exceed the compulsory insurance coverage established at each moment by the legal provisions.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><div class=\"vc_tta-panel\" id=\"1751887292937-7bb77d4a-f4bd\" data-vc-content=\".vc_tta-panel-body\"><div class=\"vc_tta-panel-heading\"><h4 class=\"vc_tta-panel-title vc_tta-controls-icon-position-left\"><a href=\"#1751887292937-7bb77d4a-f4bd\" data-vc-accordion data-vc-container=\".vc_tta-container\"><span class=\"vc_tta-title-text\">Legal Defence (Defence and claims for damages):<\/span><i class=\"vc_tta-controls-icon vc_tta-controls-icon-plus\"><\/i><\/a><\/h4><\/div><div class=\"vc_tta-panel-body\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>By means of this coverage, the insurer guarantees the payment of the expenses incurred for the assistance and legal defence of the insured party in any judicial, administrative or extrajudicial procedure derived from a traffic accident in which the insured vehicle is involved. As well as the deposit of bonds, in criminal cases, payment of costs, etc... Also for the claim of damages to third parties in an amicable or judicial manner.<br \/>\nAll expenses incurred shall be borne by the company, provided that it is the company that appoints the professionals in charge of carrying out the defence or claim procedures.<\/p>\n<p>It should be emphasised that the insurer may give the insured person the option to freely designate these professionals, but always establishing an economic limit for these expenses. Some insurers impose limits that are perhaps excessively low in order to make this freedom of designation difficult, others, on the other hand, even allow the quantitative limits to be extended optionally.<\/p>\n<p>Generally speaking, this limit is indicated in the General Conditions. Always bear it in mind.<\/p>\n<p>They must also indicate the figures (policy holder, owner, driver, etc.) that will be considered as insured parties for this guarantee.<\/p>\n<p>Finally, it is important to bear in mind that insurers are in many cases covering the defence of traffic offence penalties, consisting of legal guidance and even the preparation of statements of defence and administrative appeals against them.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><div class=\"vc_tta-panel\" id=\"1751887307721-78286dd7-1459\" data-vc-content=\".vc_tta-panel-body\"><div class=\"vc_tta-panel-heading\"><h4 class=\"vc_tta-panel-title vc_tta-controls-icon-position-left\"><a href=\"#1751887307721-78286dd7-1459\" data-vc-accordion data-vc-container=\".vc_tta-container\"><span class=\"vc_tta-title-text\">Driver and\/or Occupant Accidents:<\/span><i class=\"vc_tta-controls-icon vc_tta-controls-icon-plus\"><\/i><\/a><\/h4><\/div><div class=\"vc_tta-panel-body\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>The driver of the insured Motorcycle is at all times excluded in the Civil Liability insurance, for possible damages caused by injury or death. This makes it advisable to take out an additional guarantee, by means of an accident insurance policy incorporated in the motorbike insurance policy, so that in this way an insured capital is covered for death, another for total and partial permanent disability, and also medical-pharmaceutical assistance.<br \/>\nSome time ago, this guarantee, commonly known as \"occupant insurance\", covered both seats in the vehicle, as the compulsory insurance not only excluded the driver, but also the spouse, ascendants, descendants and those persons related up to the third degree of consanguinity or affinity.<\/p>\n<p>However, currently only the driver is excluded, and consequently most insurers only cover the driver's seat, although they may optionally cover the occupant as well.<\/p>\n<p>The sums insured for death and disability are usually variable, i.e. insurers often offer several contract options.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><div class=\"vc_tta-panel\" id=\"1751887325047-c23e4f66-d2e1\" data-vc-content=\".vc_tta-panel-body\"><div class=\"vc_tta-panel-heading\"><h4 class=\"vc_tta-panel-title vc_tta-controls-icon-position-left\"><a href=\"#1751887325047-c23e4f66-d2e1\" data-vc-accordion data-vc-container=\".vc_tta-container\"><span class=\"vc_tta-title-text\">Travel assistance:<\/span><i class=\"vc_tta-controls-icon vc_tta-controls-icon-plus\"><\/i><\/a><\/h4><\/div><div class=\"vc_tta-panel-body\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>This guarantee is very broad and entails many benefits, both for the insured vehicle and for the people transported (free of charge), at the moment of suffering a breakdown or accident, and even for the insured \"and only in some insurers\", whether with or without a vehicle, that is to say that there are even policies with coverage to which you are entitled even if you are not travelling with your vehicle; did you know this detail?<\/p>\n<p>To give an example, this would mean that if your spouse were to suffer an accident or illness abroad while travelling without your vehicle, he or she would also be entitled to certain benefits under this guarantee of your vehicle insurance.<\/p>\n<p>First of all, therefore, it is essential to know 2 things about this.<\/p>\n<p>The first is the \"territorial scope\" covered in your insurance. Generally speaking, this is usually Spain, Europe and countries bordering the Mediterranean for guarantees relating to the vehicle and the whole world for those relating to people.<\/p>\n<p>The second is to know who is considered the insured person for each of the guaranteed benefits. For example, and also in a generic way, the natural person who is the policy holder, as well as his spouse, descendants or ascendants, as long as they live in the same domicile and are physically dependent on him, can be considered as insured.<\/p>\n<p>All this information will be clearly reflected in the general conditions of your insurance.<\/p>\n<p>It is important to bear in mind that insurers require that all these benefits be organised through themselves, by providing you with a contact telephone number that is accessible 24 hours a day, 365 days a year. This means that you may encounter serious difficulties in claiming reimbursement for expenses that you may have incurred yourself.<\/p>\n<p>It is just as important, if not more so, to be aware of all the benefits to which you are entitled in order to be able to claim or demand their application at any given moment.<\/p>\n<p>We insist on the fact that each policy has its own particularities and may differ from one insurance company to another, especially the quantitative limits of the benefits covered. Below we detail, without going into detail, some of the most common benefits that are usually included in this guarantee.<\/p>\n<h3>Vehicle Performance:<\/h3>\n<p>The main one is vehicle assistance in the event of breakdown, accident or theft, which in many cases can be extended to other causes such as lack of fuel or punctures.<\/p>\n<p>Your policy could cover among others, with the conditions and limits that it has in each case, the repair in situ of the vehicle in the event of breakdown if this is possible, the towing of the vehicle to the garage designated by the insured (with certain limitations in terms of distance, which should be known), the rescue, extraction or salvage, assistance for loss or theft of keys, repatriation of the vehicle, sending of spare parts abroad, transport of the insured or the person designated by the insured to recover the vehicle once it has been repaired, sending of a driver if the insured or the rest of the passengers are unable to continue driving as a consequence of accident, illness or death...<\/p>\n<h3>Vehicle occupant benefits:<\/h3>\n<p>Depending on the different and possible causes that entail the need to make use of this guarantee, i.e., whether due to breakdown, accident, or even theft of the vehicle, the insured and the occupants of the vehicle may be entitled, with the conditions and limits specified in each case, to : Hotel and\/or transfer expenses for the occupants, even so that they can continue their journey when the vehicle cannot be repaired on the same day, advances on bail and legal defence expenses abroad, repatriation or medical transport of the injured or sick, transport of a family member due to hospitalisation of the insured, reimbursement of medical expenses abroad, expenses resulting from the early return of the insured due to the death of a spouse or relative up to the first degree of consanguinity, dispatch of forgotten objects or essential documents, transmission of urgent messages, assistance in the event of lost luggage, etc....<\/p>\n<p>Don't forget to find out if your policy covers personal benefits even when you travel without your vehicle, as not all insurers do.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><div class=\"vc_tta-panel\" id=\"1751887410081-5aae780e-ebef\" data-vc-content=\".vc_tta-panel-body\"><div class=\"vc_tta-panel-heading\"><h4 class=\"vc_tta-panel-title vc_tta-controls-icon-position-left\"><a href=\"#1751887410081-5aae780e-ebef\" data-vc-accordion data-vc-container=\".vc_tta-container\"><span class=\"vc_tta-title-text\">Fire:<\/span><i class=\"vc_tta-controls-icon vc_tta-controls-icon-plus\"><\/i><\/a><\/h4><\/div><div class=\"vc_tta-panel-body\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>This guarantee covers combustion or flaming, explosion and even lightning damage. Whether the damage is partial or total loss.<br \/>\nFor the latter case, each insurer will specify in the general conditions, their valuation criteria for the vehicle, depending on the age of the vehicle, which can be \"for example\" 100% of the value as new for the first two years and 100% of the market value for the rest. Although there are many variations, some insurers even offer more than 100% of the value as new, others of course offer less.<\/p>\n<p>When it comes to valuing a vehicle, in order to obtain its \"market value\", the insurance companies (appraisers) usually resort to the GANVAM (National Association of Motor Vehicle Dealers, Repairs and Spare Parts), which is a book where the value of each vehicle is listed according to make, model, year of manufacture, etc...<\/p>\n<p>In Motorcycle insurance it is quite common for insurers to apply some type of excess in this guarantee. It is advisable to make sure of this.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><div class=\"vc_tta-panel\" id=\"1751887435061-66aacb6a-b3ee\" data-vc-content=\".vc_tta-panel-body\"><div class=\"vc_tta-panel-heading\"><h4 class=\"vc_tta-panel-title vc_tta-controls-icon-position-left\"><a href=\"#1751887435061-66aacb6a-b3ee\" data-vc-accordion data-vc-container=\".vc_tta-container\"><span class=\"vc_tta-title-text\">Theft:<\/span><i class=\"vc_tta-controls-icon vc_tta-controls-icon-plus\"><\/i><\/a><\/h4><\/div><div class=\"vc_tta-panel-body\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>The purpose of this guarantee is to compensate the insured person for the damage or loss of the vehicle in the event of its unlawful removal or attempted removal.<br \/>\nThat is to say, the insurer will compensate you if your vehicle is stolen and it does not appear within the established period of time, which is usually approximately 30 days. If the vehicle appears before this period, the insurer will then proceed to compensate for the repair of the damages that the vehicle presents due to this theft.<\/p>\n<p>It is possible that some insurers may apply some kind of excess on this guarantee, so please bear this in mind.<\/p>\n<p>Also the valuation conditions in the event of a claim that each insurer specifies in their general conditions, i.e. the percentage of the vehicle's value that they will cover depending on how old it is. For example, they could compensate with 100% of the value as new for the first two years and then the rest of the years at 80% or 100% on its market value (there are many variations and possible combinations). Check them out.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><div class=\"vc_tta-panel\" id=\"1751887452517-ad65c6d7-7f64\" data-vc-content=\".vc_tta-panel-body\"><div class=\"vc_tta-panel-heading\"><h4 class=\"vc_tta-panel-title vc_tta-controls-icon-position-left\"><a href=\"#1751887452517-ad65c6d7-7f64\" data-vc-accordion data-vc-container=\".vc_tta-container\"><span class=\"vc_tta-title-text\">Own Damage (with and without excess):<\/span><i class=\"vc_tta-controls-icon vc_tta-controls-icon-plus\"><\/i><\/a><\/h4><\/div><div class=\"vc_tta-panel-body\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>This is undoubtedly the guarantee that offers the most peace of mind. By means of it, the insurers cover the damages that the insured vehicle may suffer.<br \/>\nHowever, it should be noted that there is a big difference between taking out an insurance policy with or without excess, and the price of the insurance can vary considerably depending on the type or amount of the excess applied, but you should also be aware of the exact consequences and ways in which the excess is applied.<\/p>\n<p>Few insurers will offer you this guarantee, and those that do usually apply excesses.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Section detailing the guarantees that motorbike insurance can include, from compulsory civil liability to extended cover such as theft, own damage or assistance, explained in a clear and simple way.<\/p>","protected":false},"author":4,"featured_media":0,"parent":2472,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"_joinchat":[],"footnotes":""},"categories":[27],"class_list":["post-2767","page","type-page","status-publish","hentry","category-garantias","description-off"],"_links":{"self":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages\/2767","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/comments?post=2767"}],"version-history":[{"count":0,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages\/2767\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages\/2472"}],"wp:attachment":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/media?parent=2767"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/categories?post=2767"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}