There is no unique price for the RC Moto: the cost varies according to factors such as residence, displacement and class of merit. The good news is that digital technologies, recent rules and some strategic choice allow to pay much lesswithout giving up protection. Let’s see together how.
From the quote to the personalized policy
The starting point is to obtain multiple offers to compare: with a click, the IVASS comparator or private portals show the proposals of dozens of companies, including those that integrate themotorcycle insurance to motorway and mobility services.
They can therefore block the best estimates (let’s say three, so much are binding for a maximum period of 60 days) and compare not only the price, but also Maximals, franchises And assistance times. In addition, from 2023, thanks to the abolition of tacit renewal, it is possible to change company at every deadline without notice: exploiting this freedom is already a first form of savings.
Exploit technology and rules for cutting the prize
Among the factors that allow you to save there is also the black boxwhich is not only the prerogative of the cars, but can also be installed on motorcycles, thus making the final prize lower. The Black Box is capable of recording kilometers paths, driving style and position, and in general, it generates discounts between 20% and 30%. The installation, maintenance and removal (and any return to the owner) are borne by the insurer by law, so there is no extra cost.
In addition to technology, current regulations can also be exploited. For example, the Family rc It allows you to inherit the best merit class of a cohabiting partner also to renewal and between different vehicles (motion-car and vice versa).
Finally, if you are novice driversyou can choose a secure driving course recognized to add an additional discount, useful for compensating the typical surcharge of this age group.
Flexible formulas to save on the Motorcycle RC
If the bike comes out only on summer weekends, one seasonal policy three or six months avoid paying the entire year.
Those who use it at regular intervals, on the other hand, can opt for the Susperable formula: pour the annual prize, but you can pause the coverage when the vehicle remains in the garage and recover the days later.
Some companies also propose Pay-Per-US rates Based on the kilometers recorded by a small sensor: for example, under 5,000 km per year, the savings are evident.
How to save further on motorcycle insurance
A Clean risk profile (i.e. zero claims for several years) is an excellent exchange currency for any company. Keeping it means careful guide, always connected helmet, no risky overtaking: less accidents, lower prizes.
It is good to evaluate the Accessory guarantees: Theft and fire can be sensible if you live in particularly dangerous areas or do not have a garage, while accidents for the driver also protects those who drive, excluded from the standard policy. Instead, it should be avoided not suitable, such as those designed for new vehicles on dated motorcycles.
Finally, it is good to calibrate the deductible: by raising it a few hundred euros, the 10-15%prize could be reduced, but it will still be necessary to ask yourself if you can really liquidate that share without dramas when, unfortunately, that case really occur.
