Berlin.
Motorcycle insurance should offer good protection for little money if something happens to the bike. This is how you can save on policies.
For many it is the feeling of pure freedom: sitting on the motorbike, feeling the wind and the acceleration. But before having fun, bikers should think about security and protection. The completion of a matching Insurance for the motorcycle goes very quickly – and ensures that the little joy remains undisturbed. E-motorcycles are becoming increasingly important. You offer like electric cars an opportunity to be more sustainably mobile.
Motorbike insurance: Good protection as cheap as possible
Regardless of whether you are a seasonal rider or a year-round biker, whether on an electric vehicle or a combustion engine: there is no getting around the right insurance. One liability is mandatory for every motorcycle that is to drive on the road in Germany.
If you like it a size smaller: Also mopeds and scooters with little power need liability insurance be. For machines with a maximum speed of 45 kilometers per hour and a maximum displacement of 50 cubic centimetres, however, an insurance license plate is sufficient. In addition, two-wheelers with little horsepower do not need a general inspection and do not have to pay vehicle taxes.
Change of insurance makes sense? Check in two steps
The same applies to motorcycles as to cars: On change of insurance can save a lot of money. The quick check of how much savings are possible works in two steps:
- Can I cancel? One month before the main due date or after a special right of termination (e.g. after damage, sale or after a premium increase).
- Insurance comparison: Comparison portals and calculators can help. At the start of the season, the money guide Finanztip examined how motorcyclists can find a suitable tariff at a reasonable price and recommends using the calculators from xxv24.de or motorrad-versicherung-online.de.
Motorcycle policy: The most important savings tips
With a few additional tricks, the price for the insurance of the machine press even further. By the way, most of the following tips also apply to them car insurance.
So it is usually cheaper to pay the premium for the insurance annually. If there is a car with the motorcycle, it can pay off to use the bike as a second car to insure.
If you don’t drive all year round, you should also look for a Seasonal license plates transfer. However, Finanztip recommends that the seasonal license plate should be valid for at least six months so that the no-claims class increases through accident-free driving.
How many kilometers the machine travels per year is an important factor in determining the amount of the insurance premium. This Annual mileage should be assessed realistically, but rather defensively.
It also becomes more expensive the more people are allowed to ride the motorcycle. A little driver circle helps – especially if the other drivers are over 25 years old and live in the same household as the policyholder.
One excess is usually useful for partial coverage. The partially comprehensive insurance pays, for example, if the motorcycle is stolen, damage caused by fire and explosion, storm, lightning, hail and flood, collisions with furry game, marten bites or cable damage due to short circuits.
Whether the costs are worth it depends on the value of the machine. One fully comprehensive rarely pays off for motorcycles.
E-motorcycles: Take the GHG quota with you when you switch
For many motorcyclists, riding is more a pleasure and a pleasure than a duty and a burden. This is also one reason why more and more bikers are concerned about the impact of their hobby on the environment. And: Those who switch to electromobility will be rewarded. Among other things with the greenhouse reduction rate – kurz THG-Quote. You don’t just get them for electric cars, but also for e-motorcycles and scooters.
Electric vehicles produce fewer greenhouse gases than combustion engines. This CO2– Savings are highly sought after on the market. After all, petroleum companies are obliged to become more climate-friendly in order to meet their quotas. For this they can also use the CO2-Buy savings from others, for example from e-mobilists. In return, they receive an annual bonus: currently up to more than 250 euros.
Approved for the GHG quota trading are electric motorcycles or e-scooters that have official approval. Mopeds and scooters that only need an insurance number are mostly left out. At best, you can try to dust off a corresponding certificate for them through voluntary approval (§ 3 Paragraph 3 Vehicle Registration Ordinance).
This article appears in cooperation with finanztip.de. The money guide for consumers is part of the Finanztip Foundation.
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