Broker or Company? 

Buy insurance directly with the insurance company or through a broker ? Both options have their advantages and disadvantages.



If you do it with the company , you will do it through an agent who works for them. Companies have more resources and accessibility, but you will have to use a 902 to contact them, they will always "sweep home" and you may have to speak with a not very qualified telemarketer.

If you hire through a broker , you will have a more personalized attention and that does not "owe loyalty" to any insurance company, but they do not have as long an opening hours as the companies, nor their resources.

Having Motopoliza.com as a mediator, you will have all the advantages : we are in close contact with the companies (and their resources), we are impartial, and we have extensive personalized service hours.


Essential minimum coverage

In Motopoliza.com you will find very cheap insurance, but not insurance that they are useless. We have dispensed with offering insurance without the minimum coverage, since, whatever the price they have, they always end up being expensive.


The minimum that your motorcycle insurance should have is:


Civil Liability (Third Parties): This coverage is mandatory if you have a motorcycle. The penalties for not having insurance are high, but you should also think that this coverage indicates that you are a decent driver, since you are responsible for any damage that you may cause to others in an accident caused by you. You want to know more?

Damage claim : If you have an accident, the company will take care of the legal procedures and expenses involved in claiming damages suffered. That will save you money and headaches. You want to know more?

Companion Assistance: The companion is always considered a "third party", and therefore is covered in an accident by Civil Liability, but some companies specify in the policy that the companion will be covered with a franchise. That is, in the event that the companion suffers damage in a claim, you will have to pay a fixed initial amount of the hospital amount. Do you want to know more?


Recommended Coverages


Roadside assistance : With this coverage, in the event of a breakdown, the company takes care of providing the means to solve the breakdown and the inconveniences that it may cause. Broadly speaking, we are talking about "the crane."


It is a very useful cover if you are going to frequently take the motorcycle out on the road, since by law it is your turn to take it off the road in the event that it gets stranded


If you are only going to use the motorcycle in the city, this coverage may not be so necessary. Rate it according to your needs. 


Driver accidents : The accident guarantee will cover cases of health care, physical damage and death, exclusively of the motorcycle driver and in the event of an accident caused by himself.


You should know that the driver in an accident is not covered by Civil Liability, and that Social Security does not cover the medical expenses of motorcycle accidents, so this coverage is very useful against possible mishaps, especially if you do not have insurance doctor.


We recommend that you carefully examine the price of compensation in the event of death or health care.


Also, you may like:

1. When to change the motorcycle chain

2. Protect Your Motorcycle Seat

3. Protects The Motorcycle Paint