Motor Scooter Insurance – Frequently Asked Questions

Due to increase in sale and popularity of scooters, awareness for scooter insurance among buyers is increasing. No doubt driving a scooter is a lot of fun and it has many added benefits but risk factor also increases when one is driving a scooter. Sometimes buyers have many queries that can only be solved by a lot of research. To save your time, here is a list of diverse recurrently asked questions regarding scooter insurance.

Queries regarding purchase of scooter insurance policy:

Why do I need an insurance policy?

It’s good that you drive safe and sound. But having insurance for your vehicle is in most states mandatory by law. More than that, insurance policy provides you safety and financial aid at the time of any accident or any misfortune like theft.

Why do most agents suggest comprehensive coverage?

Well, no doubt the price of a comprehensive coverage is quite a lot and insurance companies make a lot of money out of it; but the security factor is also wide in case of comprehensive coverage. It covers collision, accidents, fire, theft, vandalism, medical coverage and in a few cases roadside assistance as well. If you can afford it, go for it.

I just have liability insurance. Will I get any benefit at the time of accident?

If during an accident you hurt someone or their assets, insurance company will pay for that. But if you or your scooter gets damaged, there will be no benefits for you.

How can I augment the benefits of liability insurance without significant increase in premium?

If you don’t want a comprehensive cover but still want to increase the security, you can buy a liability, fire and theft insurance. It gives you the benefits of liability and coverage in case of fire as well as theft.

Can I get instantaneous cover?

Yes. As soon as you make the payment, you can get the cover. If you have a debit or credit card, you can pay on the spot.

Do I get cover on security material?

Helmets, sun glasses, gloves and any other attire intended to lessen damage are considered security wear. Purchasing these security apparatus items can tote up swiftly and a first-class rule will offer some sort of security for them.

How to choose scooter insurance company?

This can be complicated. There are numerous companies in market which will promise to give you the best deal, but you have to do a lot of investigation before finally choosing a company. Ask the people you know who have availed insurance. Ask how their company responds to their qualms. Check history of a few famous corporations and then choose wisely. Allstate, State Farm, Nationwide, GEICO and mercury are some well-known names in insurance market.

What discounts are available?

Various companies provide discounts to lure clients. You have to act really smart in front of the agent to avail maximum discount. Most companies offer multi-policy discounts. If you own more than one vehicle, get them insured from the same insurance company to gain utmost discounts. Most companies offer extra discounts if you make an online deal rather than going to their office.

Is towing and roadside assistance available under insurance cover?

Elective Towing and Roadside Assistance coverage is of great use in case your scooter fails to start. This is a remarkable service to put in to your policy. If the fuel in scooter finishes, tire gets flat or any other motorized problems arise at a remote place, you will be grateful you can phone up someone for to be of assistance.

What should be done at the occurrence of an accident?

If you are conscious of any accident or damage concerning your scooter by you or someone else, you must give an account of the occurrence as soon as feasible. It is essential to record that all accidents, robberies, and spiteful harm episodes should be reported, even if you have decided not to make a declaration.

Does the insurance company pay for the full damage?

It depends on the coverage you have chosen. Even in most extensive coverage you have to pay at least a little amount, rest is paid by the company.

These are a few questions which come into mind of each individual who is looking forward to buy insurance policy for scooter. Choosing the right policy and right company is extremely crucial. Do a lot of research and call insurance agent of the company to ask more in detail. Clear all your worries buy scooter insurance policy and drive on road with a sense of self-assurance.