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.

Motor Scooter Insurance – A Few Things to Remember When Buying

Now that you drive a scooter, it is mandatory by law to have scooter insurance, but that should not be the only reason you decide to have an insurance policy. You have to understand the importance of insurance in our lives. Insurance gives a sense of security. Ask someone whose uninsured vehicle has been damaged. That person will tell you how much it costs to get your automobile back in shape. If you say you are a very cautious driver and insurance policy is a waste for you; you are absolutely wrong. You may be a safe driver but you are not the only driver on road. You may be involved in an accident even if it’s not your fault. Driving a scooter has many obvious advantages but we cannot deny the risk factor associated with it. In such cases scooter insurance will prove highly favorable. Insurance covers available today not only protect you during accidents but also in case of theft, vandalism etc. I hope that I have convinced you on the worth of insurance policies. Now read on to know about some useful tips when you are buying scooter insurance.

Insurance companies offer various insurance policies for securing your motor scooter. Comprehensive insurance, liability insurance, theft insurance, roadside assistance, custom accessories insurance, uninsured motor insurance, medical coverage and a few more. Gain knowledge about all these options and what they cover. After getting a full detail on these policies, choose the one that suits you the most. Please don’t go for the policy which is cheap and provides negligible coverage. Remember, you are buying insurance not just because your government wants but for your own security. Choose the insurance company you want to buy insurance from with watchfulness. Go for a reputed company and not the one which offers amazing discounts. Many such companies are frauds.

A few reputed and trustworthy insurance companies are: State Farm, Allstate, Nationwide, Mercury, GEICO, Foremost insurance and a few more. Study in detail about the past records of these companies in case of claims and their response, customer care service, agents and various offers. Ask family and friends to assure that you are buying scooter insurance from the right insurance company. Finally, after choosing the type of insurance policy you want and the company from which you want to buy it from; know about the discounts you can get.

Call the insurance agent of the company and clear all your uncertainties. Ask him which other assets does that company insures. Most companies offer discounts in case of multiple insurances. If you own more than one vehicle, get both of them insured from the same company to avail discounts. Your premium depends on which insurance cover you chose. More things covered in the insurance, more will be the premium. Premium also depends on your age and driving record. Insurance companies believe that younger drivers drive less safe. If you have a record of any accidents in the past, that may also affect your insurance cover’s rate. Built and company of your scooter also decides your premium. If the company is reputed and the built of your scooter is powerful, premium will be less than in case of a fragile model. In a nutshell, more safe the vehicle, lesser is the premium.

Choose a company which works online so that you can make payments and file complaints online without wasting time in going to their office.  A few companies provide better deals online rather than in their offices. Do a complete research before buying any policy.

Before purchasing any insurance policy think of the worst situation you can get into. If you drive on road, you will be involved in an accident once in your lifetime. Even the best drivers cannot deny this fact. You have to decide in such condition will you have enough financial aid to pay for your medical and vehicle damages. Even if you use best locks in the world, isn’t there a slight chance that your precious scooter can be stolen? Think of a situation when you are stuck in middle of nowhere due to some technical problem in your vehicle due to snow, mud or water. If your insurance covers roadside assistance and the company sends it’s people to help you, wont you thank your stars for choosing such a policy. Well, we all need insurance covers for life, car, scooter, health, home and other assets; just the requisite varies.

Scooter Insurance: Why You Must Have It?

I am sure you are thrilled that you have purchased a scooter. Driving a motor scooter can be loads of fun. It is much cheaper than a car. It runs on lesser fuel and is not that difficult to maintain. With a scooter there are fewer chances that you will be stuck in traffic. Scooter parking is much easier to locate rather than a car. Whether you want to go to work, go out with friends or with your date; scooter or a motor cycle adds a lot of excitement in your life. But scooter also augments the danger aspect of driving on road. In an accident, you are expected to get more hurt while driving a scooter. Obviously, driving out of harm’s way and trying not to get hurt or hurt someone else is the foremost important thing. But scooter insurance is also crucial as it provides a financial aid at the time of necessity. Following are the situations when your scooter insurance will be requisite:

  • Accident, when not your fault- accidents may take place whether it’s your mistake or not. Even when you try your best to drive safe and sound, due to someone else’s fault, accident may occur hurting you and damaging your scooter. In such cases your insurance will cover up your loss.
  • Accident, when your fault- In such cases, liability insurance of your scooter comes into play. It pays the damage done to others and their automobile.
  • Collisions- Collisions occur during accidents. Insurance covers damages in such cases.
  • Theft- In case of theft, you will be relieved that you have scooter insurance.
  • Technical trouble with the scooter.
  • Vandalism- out of vengeance if somebody damages your scooter, insurance will cover that up.

In some states it is an obligation to have scooter insurance but in a few states it’s not even essential to have a driver’s license for a scooter. If you live in a state where buying a scooter insurance is obligatory by law, don’t delay it. Based on above situations, insurance companies have various insurance plans. You have to make your mind carefully that which one will suit you the best. Following are the insurance plans that diverse insurance companies offer:

Extensive coverage:

Also known as comprehensive or full coverage. As accidents are not the only situation when you might need insurance, extensive insurance plan provides you coverage in case of collisions, liability, theft and vandalism. Even if your scooter catches fire somehow, it is covered under this insurance plan.

Accident coverage:

If you drive on road, no matter which vehicle, you are expected to be involved in an accident once in your lifetime. At that time, accident insurance will at least look out for the harm done to your scooter.

Routine accessories coverage:

When you transform your scooter by adding some accessories like custom paints or a sidecar, that were not included in the original design by the company, you can get them insured. In case of any misfortune, insurance company will take care of the damages done to these accessories.

Liability coverage:

Regrettably, if you injure someone and their vehicle, liability insurance will pay their bills. Several companies even provide lawyers in case of a legal activity. This insurance is mandatory in a few countries.

Roadside assistance:

Probably you’re left high and dry as your scooter has a lifeless battery, flat tire or unfilled gas tank. Perchance your scooter is immobilized due to particular kind of mechanical collapse or you are caught in the muck, snow or water. It’s not important how you got into this situation; you could do with a broad insurance plan that embraces powerful scooter roadside assistance coverage. You ought to have a lift to the adjacent repair facility, coverage for any work that is needed in that situation.

Robbery insurance:

I am sure you use the best locks and you park your scooter at a protected place but there is a chance that a thief might get victorious at stealing your favorite scooter. In that situation, a robbery insurance plan will do wonders for you. You will get money for a new scooter.

Uninsured motorist:

In case you are involved in an accident with an uninsured vehicle, this insurance will cover the damages done to you and your vehicle.

Most insurance companies will provide all these insurance plans, maybe with some modification. You should choose a plan sensibly that will give you a feeling of security when you step out on your darling scooter.