It’s straightforward sufficient to assume that motorcycle insurance coverage works in just about the identical manner that automobile insurance coverage does. In precept, there are some similarities.
You pay a month-to-month payment, extra generally known as a premium, in trade for canopy. If there’s an incident that you could declare for below your coverage, we’ll pay for the repairs or alternative. Oh, and the claims course of is actually the identical, with our claims groups taking glorious care of you each step of the best way.
There are, nevertheless, some key distinctions to pay attention to, which we will spotlight for you proper right here.
Listed here are the principle variations between motorcycle insurance coverage and automobile insurance coverage.
Selection is proscribed
With regards to automobile insurance coverage, you are inclined to get a alternative between the dearer complete cowl, the extra reasonably priced third occasion, hearth and theft cowl, and the most affordable and most simple stage of canopy… Third occasion solely.
With regards to motorcycle insurance coverage, however, there’s normally just one stage of canopy accessible available on the market and that’s complete motorcycle insurance coverage.
We’ve achieved issues a bit otherwise right here. We provide complete, third occasion and theft, third occasion solely, and theft solely motorcycle insurance coverage. Hey, some cowl is healthier than none in any respect, so theft solely is value contemplating for those who’re strapped for money.
Racing on the monitor
Whereas it may be robust to talk on behalf of all insurance coverage firms 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 authorized them upfront.
Bike insurance coverage is dearer
There’s little question that bikers are extra weak than different motorists. Even a minor bump may end up in some nasty accidents and harm 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 could come as a little bit of shock, as a result of most motorbikes value manner lower than automobiles so that you’d assume that the premiums would at all times be cheaper.
The extras aren’t at all times the identical
Look, there’s the odd crossover on the subject of the sorts of extras that you could add to your automobile insurance coverage and your motorcycle insurance coverage. For example, a lot of insurers will allow you to add scratch and dent insurance coverage to each.
However there are additionally some extras which can be extra particular to motorbikes solely.
The primary instance in our royal bag of merchandise and advantages is canopy on your motorcycle gear. Whenever you take out our complete motorcycle insurance coverage, you possibly can add cowl on your motorcycle gear for simply R1 a month.
No actually, it’s R1 plain and easy.
Tips on how 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 may see the way it works for your self by clicking right here to get a commitment-free quote at this time.