L’ASSURANCE MOTO - Informations basiques

[Micka]

L’ASSURANCE MOTO

L’assurance d’une moto est obligatoire, mais uniquement vis-à-vis des autres, dénommés tiers. D’autres couvertures sont proposées par les compagnies, plus complètes mais aussi plus chères. N’hésitez pas à faire le tour des offres, demandez aussi à votre assureur auto (il vous connaît déjà) et comparer les devis…
Nous parlons là d’engins homologués, car s’il n’est pas homologué, il ne peut rouler que sur un terrain privé et il faut alors juste disposer d’un RC qui vous couvre vis à vis des autres personnes.



Le contrat d’assurance

Le contrat RC dit « au tiers » couvre les dommages que vous pouvez causer aux autres : véhicules, occupants des autres véhicules, piétons ainsi qu’à votre passager, s’il porte un casque homologué. Il est généralement assorti d’une garantie défense-recours afin de vous défendre en cas de sinistre causé par un autre véhicule. Il faut savoir qu’en dessous d’une certaine somme (de l’ordre de 1500 euro) c’est votre propre compagnie qui paye vos dégâts même si vous êtes dans votre droit. Ainsi, certains assurés se retrouvent virés de leur assurance car affichant trop de sinistres même non responsables.
Pour être totalement en règle, il faut non seulement coller la vignette verte à l’avant de votre scooter (pare-brise ou garde-boue) et ne pas oublier de signer votre carte verte que vous devez présenter à tout contrôle de police avec la carte grise. On peut vous dresser un PV pour l’absence de signature…
Le passager est toujours couvert par votre assurance à la condition que votre véhicule soit un deux places (vérifier sur la carte grise) et que votre passager porte un casque homologué. Pour les enfants, la législation exige que ses pieds touchent les repose-pieds. Dans la négative, il doit être installé dans un siège spécifique, de préférence homologué (TUV).


Les autres garanties

Si votre moto est neuve ou récente, il est judicieux d’opter pour une garantie vol et incendie. Pour la garantie vol, certaines compagnies refusent de couvrir le risque dans certains départements et pour les motos sportives. Pour les autres, il vous sera bien souvent demandé un tatouage de votre véhicule, un antivol agréé ou système alarme, voir un parking fermé. Sachez également que cette couverture vol est assortie d’une franchise qui peut aller jusqu’à 20% du prix de l’engin. La valeur vénale du véhicule est donnée par l’Officiel du Cycle et du Motocycle dont la côte sert de référence aux experts des assurances (voir chapitre occasion).



Tous risques
Pour encore plus de couvertures, votre assureur propose la garantie « tous risques ». C’est un gage de sécurité surtout pour un véhicule neuf car quoi qu’il arrive vous serez remboursé moins, là encore, le montant de la franchise. Faîte aussi votre calcul, car à la suite d’un sinistre déclaré vous aurez un malus (25%) qui ne se compensera qu’après plusieurs années (5% par année)…pendant lesquelles votre prime restera plus élevée. De plus si vous avez moins de 25 ans ou êtes nouvel assuré, peu de compagnies ou mutuelles vous proposeront cette garantie.

Garantie conducteur
Si elle n'est pas incluse dans le contrat du véhicule, l’assureur peut vous proposer de souscrire à une "corporelle conducteur". Cette garantie est recommandée car elle vous assure, ainsi qu’à vos ayant droit, des ressources en cas de dommages corporels. Si cette couverture intègre le contrat du véhicule, des garanties optionnelles peuvent améliorer une "corporelle" de base (meilleure indemnisation, prêt de véhicule...)

Garantie équipements et accessoires
Si les mutuelles spécialisées "deux-roues" ont été les premières à assurer les équipements du motard et de sa machine, certains assureurs roulent dans leurs traces. Remboursements du casque et des vêtements de conduite (gants, blousons, bottes, ensemble de pluie...), mais aussi de certains accessoires (valises, top-cases, saute-vent, carénage adaptable, antivol...) sont des garanties à ne pas négliger et souvent "offertes" pour quelques dizaines d'euros ! "

Garantie assistance
Bien souvent cette garantie est comprise dans le contrat de base. Renseignez-vous également sur la distance de prise en charge par rapport à votre domicile en cas de panne. Souvent c’est 50 kms pour que votre assurance prenne en charge le rapatriement de votre engin. Mais les assurances proposent de plus en plus une assistance 0 km.


Derniers conseils

Pensez à renégocier votre contrat tous les ans. Cela sera bientôt obligatoire car les assurances ne seront plus reconductibles tacitement. Pour le moment, il faut encore deux mois de préavis pour dénoncer son contrat avant la date de renouvellement.

Source: Moto Infos

[jacki]

Salut,
Si tu veux trouver la meilleure assurance moto tu devrais faire un comparatif de devis assurance en ligne http://www.assurancemalus.org . Choisi l'assurance malus moto qui te propose des offres adaptées à tes besoins et à ton budget.

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