Motorbike– insurance in Mallorca
Motorbikes and mopeds must be insured in order to be able to legally drive them in road traffic. Mopeds, cars and motorbikes are subject to the same regulations as set out in the Ordinance on Third Party Insurance for Motor Vehicles. Therefore, at least third party insurance is necessary to be able to drive them in Spain.
Tailored to your needs
What cover is available with motorbike insurance in Spain?
- Compulsory liability insurance
- If you are responsible for injuries to others, you have cover for bodily injury caused by you of up to €70,000,000.
- Basic legal protection
- If you have an accident and need a lawyer, one will be provided for you without a cost limit or you will receive up to € 1,500 if you choose your own lawyer.
- Extended legal protection
- If you have an accident and need a lawyer, one will be provided for you with no limit on costs or you will receive up to €6,000 if you choose your own lawyer.
- Travel insurance 24 h Basis
- If your motorbike breaks down, the motorbike insurance in Mallorca will repair it on site or tow it up to 200 km.
- Travel insurance 24 h extended
- If your motorbike ends up in a ditch, you will be sent a tow truck and your motorbike will be towed away with no kilometre limit.
- Free choice of mechanic workshop
- If you need a garage after an accident, you can choose one within a radius of 200 km.
- If your motorbike is stolen, you will be paid for a new one.
- If your motorbike partially burns down, your insurance will pay for the repair.
- Atmospheric phenomena and wildlife
- If hail dents your motorbike, you don’t have to worry because the repair will be reimbursed.
- Total loss
- In the event of a total loss without the involvement of a third party, you will be reimbursed for the value of the motorbike.
- Own damage with excess
- If you dent your motorbike on a pillar, you only pay the excess. The rest is covered by the motorbike insurance.
- In the event of an accident, you are covered for medical expenses up to € 6,000 for one year at a medical centre of your choice.
- Damage to the motorcyclist’s helmet, clothing and accessories
- If you have an accident and your helmet is damaged, you will be paid for a new one.
Why is it important to insure the motorbike or moped with fully comprehensive insurance in Spain?
For example, the third party insurance does not cover the damages of the driver. These are more important than those of the motorbike, so all-risk insurance is a very good option to supplement compulsory insurance. In addition, with these motorbike insurance policies in Spain, the full value of the motorbike is reimbursed in the first few years and roadside assistance is usually included.
Riding a motorbike or moped involves many risks, some of which we are not responsible for. It is important to always be well insured. Covers damage caused by a collision with another vehicle or by yourself.
These products are available with an excess (i.e. you pay part and the company pays the rest) or without an excess (i.e. the company pays the whole cost). Comprehensive insurance is important for new, semi-new or very well maintained vehicles. Damaging a motorbike is much easier than damaging a car, so it is relatively more expensive to cover your own damage in a motorbike insurance policy than in a car insurance policy.
Accidents of the driver
The lump sums for death, disability and medical care are usually lower in motorbike or moped insurance than in car insurance. It is important to take this into account and compare the benefits offered by different companies. There are online search engines that offer insurance without accident cover for riders. In the event of an accident that requires medical attention, the injured party must pay directly to the medical centre.
You should know that in the event of an accident, the driver is not covered by third party liability. Furthermore, social security does not cover medical costs in the case of motorbike accidents either, so accident insurance for the driver and assistance for the passenger are almost indispensable in the event of an accident, Especially if you do not have private health insurance in Mallorca.
Theft and fire
It is important to know that most companies include an excess to cover these losses. This excess can be a fixed amount (e.g. €100) or a percentage (e.g. 10%). This means that if your motorbike is stolen or burns, you will have to pay either the fixed amount or the percentage in order for the company to cover the balance.
In Spain, a motorbike is stolen approximately every 12 minutes. For this reason, it is highly recommended to take out motorbike insurance in Mallorca (Spain) in case of theft. This insurance cover is associated with small additional costs, but it pays off.
Common insurance cover for motorbikes and mopeds
Motorbike and moped insurance policies may include the following coverages, depending on the coverage desired:
- Compulsory cover: compulsory third party liability, injuries and property damage caused to third parties.
- Voluntary civil liability
- Legal protection (criminal defence, claims for damages, recovery and administration of fines)
- Driver’s insurance (death or permanent disability)
- Motorbike travel assistance
- Assistance for the vehicle and persons
- Emergency repairs: front and rear lights, flat battery, flat tyres, loss of keys, etc.
- Ambulance transport of injured persons
- Towing and transfer of the vehicle
- Dispatch of spare parts
- Costs for the stay in the workshop
- Replacement vehicle in case of damage
- Medical assistance
- Damage to the rider’s helmet, clothing or gloves
- Damage to the motorbike
- Monthly allowance in case of loss of driving licence
- Suspension of driving licence
Occasional riders in motorbike insurance
Motorbike insurance in Mallorca, like car insurance, can cover more than one person. Usually, only one main rider is specified when taking out a policy. However, if more than one person will be driving the vehicle, most insurers allow them to be included as occasional drivers.
It is important to pay attention to this point as there are companies that do not allow a second driver and nominally insure this risk. This means that the policyholder, driver and owner of the motorbike are the same person. Therefore, in this case, only one person would be entitled to drive the vehicle.
What are the differences between a moped and a motorbike?
A moped is a means of transport that usually has 2 wheels and is equipped with an engine with an engine capacity of less than 50 cubic centimetres and can reach a maximum speed of 45 km/h. To obtain a moped licence, you must be over 15 years old.
To carry passengers, you must be at least 18 years old. These vehicles are not allowed on motorways or rural roads and must go for an ITV every 3 years (if they have 2 wheels) or every 2 years or less (with more than 2 wheels).