MOTORCYCLE LIABILITY INSURANCE

Motorcycle liability insurance: how it works and what it covers

The Motorcycle and Moped Liability Insurance is mandatory by law and covers damages caused to third parties in the event of an accident within the agreed limits. The coverage limits indicated in the policy, listed below, can be selected when purchasing the coverage.

Coverage Limits

€6,450,000 for personal injuries and €1,300,000 for property damage
€10,000,000 for personal injuries and property damage
€25,000,000 for personal injuries and property damage

Driving Options

Open: there are no driving restrictions. The vehicle can be driven by any person with a valid license, regardless of age. This choice does not affect the insurance coverage in case of an accident
Experienced: the insurance is only valid when the vehicle is driven by people aged 23 or older

The Company may exercise the right of recourse, for example, in the following cases and up to the following amount limits:

€2,500 if the driver is driving with an expired or non-converted license (if the renewal or issuance of the Italian license occurs within 6 months from the accident, the Company will not exercise its right of recourse)
€2,500 in case of delayed vehicle inspection (if the inspection takes place within 6 months from the accident, the company will not exercise its right of recourse)
€5,000 only for the first accident, if the driver is under 23 years of age and the experienced driver option was purchased (no limit if the driver is driving under the influence of alcohol).

For further information and details on the coverage forms and exclusions/limitations, please read the information package.