Motorcycle Insurance: How to Choose and Avoid Dangers in the City

The motorcycle is a symbol of freedom, offering many mobility advantages, but it also poses greater risks. Riders are more likely to be seriously injured in an accident compared to car drivers. Therefore, having a good insurance policy to cover accidents is essential.

Experts at AMV recommend selecting a motorcycle insurance policy that best fits your budget and needs. For those who frequently use their motorcycle in the city, a "Comprehensive" policy is advisable. This not only covers third-party damages but also "own damages" in accidents, whether another party is involved or not. It is also wise to ensure the policy includes roadside assistance, driver accident coverage, and/or equipment coverage.

However, many factors can influence the decision on which insurance policy to choose, such as the age and value of the motorcycle, and the rider's age and experience. Optional coverages may also depend on the motorcycle's usage and the distance of trips.

Moreover, cities have various elements that can pose dangers and lead to accidents if not carefully observed. AMV experts highlight the most common ones:

- Pedestrian crossings and road markings: These can be traps for motorcyclists. Their slippery paint does not provide good tyre grip. It is advisable to cross them without sudden accelerations to avoid skidding and falling.

- Manhole covers and street potholes: Special attention should be paid to elevated or poorly placed manhole covers and potholes, as they can cause loss of control of the motorcycle.

- Road surface dirt: Oil stains often found at petrol stations, garages, etc., can add extra danger to riding.

- Tram rails: A common hazard that often causes accidents are tram rails found in certain cities, such as Barcelona. Extreme caution is needed, especially in winter when rain makes them very slippery.

When stopping at a traffic light, it is much safer to do so at the side of the lane rather than in the centre. This prevents the vehicle behind from hitting you and avoids obstructing other vehicles when moving off. Do not rush to accelerate when the light changes.

Finally, always maintain a safe distance from the vehicle in front to anticipate sudden braking. Never position yourself in its blind spot, as you could collide if it turns without noticing you. Additionally, in city traffic, pay special attention to pedestrians, who may suddenly cross at zebra crossings, board or alight from buses at stops, or hurry across at traffic lights. It is crucial to reduce speed and stay alert to pedestrian movements.