Every motorcycle rider’s nightmare: You return to the parking lot and your bike is gone. Stolen! In addition to the emotional distress, you’re also faced with a lot of bureaucracy. It’s good if you have partial coverage (Teilkasko) motorcycle insurance with theft protection. But what needs to be done in this case? Which costs are covered? And how can you optimally protect yourself? In this article, we answer the most important questions about “Motorcycle Partial Coverage Theft”.
What Exactly Does Motorcycle Partial Coverage Theft Mean?
Partial coverage insurance, unlike liability insurance, is not mandatory, but it is highly recommended for motorcycle riders. It protects you from the financial consequences of various damages to your own vehicle that are not caused by an accident. In addition to theft, this also includes damage from:
- Fire
- Natural disasters (e.g., storm, hail, flooding)
- Accidents with wild animals
- Broken glass
- Short circuits in the wiring
If your motorcycle is stolen, the partial coverage insurance with theft protection will reimburse you for the current market value of your vehicle. This means it will compensate you for the value your motorcycle still had at the time of the theft. This value depends on the age, mileage, and condition of your bike. It is important to know that partial coverage only applies if you have properly secured your motorcycle against theft.
Which Security Measures Protect Against Motorcycle Theft?
Always secure your motorcycle with at least two different locks, such as a steering lock and a chain or a U-lock. High-quality locks with a high security level offer better protection.
What to Do in Case of Motorcycle Theft?
As annoying as the theft of your motorcycle is, stay calm and proceed step by step. The following measures are important:
- Report to the police: As soon as possible after discovering the theft, you should report it to the police. Important information includes all details about your motorcycle, such as make, model, license plate number, vehicle identification number, and special features.
- Inform the insurance company: Report the theft to your insurance company immediately. Usually, you have a period of one week to do so.
- Key handover: The insurance company usually requires all existing keys.
- Further steps: Your insurance company will give you further information and instructions on which documents you need to submit.
Motorcycle Partial Coverage Theft: Comparing Costs and Benefits
The costs for partial coverage motorcycle insurance with theft protection vary depending on the insurance company, motorcycle model, and your individual no-claims bonus. It is worth comparing the rates and benefits of different providers.
Tip: On online comparison portals, you can find the best offers for your needs with just a few clicks.
Online comparison of motorcycle insurance on a laptop
Conclusion: Ride Your Motorcycle Relaxed with Partial Coverage and Security Precautions
Partial coverage motorcycle insurance with theft protection gives you peace of mind and protects you from the financial consequences if your motorcycle is stolen. It is even better, of course, if it doesn’t come to that in the first place. With high-quality locks, an alarm system, and a secure parking space, you can significantly minimize the risk of theft. Then nothing stands in the way of relaxed rides!
You can find more helpful information about motorcycle insurance here:
Do you have any further questions about motorcycle partial coverage theft or need help finding the right insurance? Our experts for car insurance are happy to help you with advice and assistance. Simply contact us via our website!
