Insurance

Mandatory motorcycle insurance and equipment

Being a practical means of transport, the motorcycle is attracting more and more people, young people and adults. Before hitting the road, however, taking out motorcycle insurance is necessary. With this cover come a number of rules to follow, especially regarding the wearing of safety equipment.

Motorcycle insurance: mandatory for two-wheelers

According to article L211-1 of the Insurance Code, the owner of a car and a motorcycle is obliged to take out insurance. The law requires that motorcycles be covered by at least a mandatory minimum insurance, ie third-party insurance. Inexpensive, this formula covers any material and/or bodily damage caused by the driver to others. However, this guarantee does not cover the driver in the event of injury. Intermediate insurance and all-risk insurance offer more guarantees. The motorcyclist is effectively covered in the event of material damage resulting from an accident or a natural disaster. On the other hand, concerning his injuries, they will only be covered, in the event of a responsible accident, if he has taken out a personal guarantee for the driver. Some insurers have also set up insurance that reimburses €1,000 or even €2,000 of the value of the compulsory approved equipment. To take out Motorcycle Insurance, it is generally sufficient to go to the company of your choice and provide the necessary documents. This includes a driver’s license, proof of ownership of the motorcycle and the gray card. You will then receive an insurance certificate and a sticker to be placed on the front of the motorcycle.

Personal protective equipment (PPE) required on the road

The consequences of a motorcycle accident are numerous, some of which can be quite serious. In fact, in the event of an accident, a motorcyclist has no protection, apart from what he is wearing. For this reason, there are mandatory motorcycle equipment. The helmet is an indispensable element used to protect the head in the event of a collision. To fulfill its role, it must be properly attached and be homologated. An approved helmet can be recognized by the white ECE or green NF label. Following an accident, it is advisable to replace it to avoid injury. Wearing gloves is also mandatory. They must be CE certified and cover the entire hands as well as the wrists, while presenting shells at the level of the joints. In order to guarantee a better grip, the gloves must also have tightening tabs and be made from a waterproof material. In addition, the yellow vest decorated with reflective strips, also called high visibility vest, must be worn in the event of a dangerous situation and during the night to be visible to all drivers.

Recommended equipment

Although these items of equipment are not mandatory, they can further reduce the risk of injury in the event of an accident:

  • Airbag-certified jacket or clothing that reduces the risk of injury in 65% of accidents;
  • Elbow and shoulder protectors;
  • The integral helmet;
  • The wristband to hold the sleeves.

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