Motorcycle insurance: how to ensure a Harley-Davidson in 2022?10/02/2022
Harley-Davidson is a major motorcycle brand. Having such a renowned motorcycle is sometimes a source of concern. However, taking out motorcycle insurance reduces stress. Harley-Davidson is an extremely popular motorcycle brand that was born in 1903. Today, it remains the most emblematic signs in the United States. Today, many of the manufacturer’s old models have become collectibles. However, regardless of whether it is a recent Harley-Davidson or a collection, insurance is always advantageous.
Young motorcycle licenses to be insured
Having insurance is compulsory in the same way as wearing a helmet to be able to drive, regardless of the motorized land vehicle. This obligation even applies to young bikers. As a result, the holder of a Harley must at least take out civil liability or third-party insurance. These will cover most of the material damage or injury caused to third parties or to oneself. In order to take advantage of a more extensive guarantee, motor vehicle insurance for all risks is the best option. However, you will have to spend more money. In some cases, novice drivers find it more advantageous to drive without insurance. Fault ! Indeed, the lack of insurance is a break-in which can lead to a fine of 3,750 euros. You can even see your suspended motorcycle license or, worse, see your vehicle confiscated.
Subscription to insurance for young motorcycle license
To take out motor vehicle insurance for young drivers, you must be at least 16 years old. In addition, the adolescent wishing this insurance must also have a license. At the age of 16, the young biker has the option of passing the A1 license. In addition, always for young bikers, there is also the A2 license. In more detail, the A1 permit is intended for cylinders of less than 125 cc. Its power must not exceed 11 kW either. However, regarding the A2 license, you must be of full age. This time, it will allow you to drive on a two-wheeler of 35 kW maximum. In any case, if you are a candidate for the A1 and A2 license, you must have previously passed your motorcycle code. Going back to insurance, the price for insurance contracts for apprentice drivers is relatively high. Insurance companies see young people as safe drivers. For companies, they are more likely to cause accidents, hence more expensive contracts. Therefore, the best way to save money is to start with a small displacement. Likewise, sports motorcycles are to be banned because they will increase the value of the insurance premium. To avoid being caught off guard, you can make a motorcycle insurance online quote and make comparisons later.
The insurance of a collection motorcycle
This year, the Harley-Davidson Electra Glide model has integrated the ICONS collection. Each year, the manufacturer will produce a maximum of two. This makes this bike a real rarity. For the owner of such a bike, classic motorcycle insurance is essential. According to Highway Code No. R311-1, a collection model is 30 years of age and older. The manufacturer has stopped production and the model has the original mechanics and exterior appearance. The motorcycle is no longer suitable for the standards of the Highway Code. In addition, the owner must have a gray card intended for a collection two-wheeler to circulate without administrative documents. The old registration certificate or a document indicating the characteristics of the machine may be necessary.
In the event that the device is no longer on sale, the holder has the duty to make a request for certification. The latter is intended for the French Federation of Emoque Vehicles (FFVE). To do this, the technical properties of the vehicle must be declared to the FFVE. If the law has fairly binding criteria, some insurance agencies are more flexible. In fact, a 10-year or 20-year-old motorcycle can belong to the “collection” class, depending on the company. Therefore, the title of “collection” may be suitable for a relatively recent motorcycle. The rarity of the model is often the main criterion of the insurer. On the other hand, other companies will consider both the seniority and the rarity of the vehicle.
Of course, this title is not in accordance with the law. To be able to take out collection motorcycle insurance, the companies are fairly strict. Usually the candidate must be over 21 years of age. He must have obtained his motorcycle license for at least three years, have had no road accidents for two years and have a recent vehicle for everyday life. In addition, the owner must reserve the collection motorcycle for recreational use. Finally, motorbike insurance, young driver or not, is often necessary to be able to circulate in peace of mind. Of course, the driver’s vigilance is required for the insurance to be valid. Moreover, insurance adapted to the motorcycle (classic or collectible) is important for an optimal guarantee. This is valid, whether for the owner, his vehicle and especially his entourage.