Two-wheelers: Allianz sets its benchmarks on third, intermediate and all-hazard levels

You ride every day to join your work, you leave on the weekends on the small roads, and your helmet and your jacket follow you every time you go out. The level of coverage you retain for your bike has very concrete effects on your daily life. Allianz offers its motorcycle insurance in three levels, one-third, intermediate and all risks, and explains that each guarantee reads according to the formula and options you choose.

Third parties, intermediaries, all risks: three landmarks for the regular biker

Allianz’s motorcycle insurance is structured on three levels. You can insure your two-wheeler to the third, in intermediate formula or at all risks. These three names form the reading frame: they are the ones you will find when you compare the formulas and sign your contract.

To situate yourself, Allianz invites you to start from your use rather than the name of the formula. A few simple questions help you to ask this starting point:

• Your daily motorcycle: you use it for commuting, in all weathers, and sometimes it is parked on the street. You depend on her to get around.

• Your leisure motorbike: She mostly goes out on weekends or holidays, for longer walks, and stays in the garage on weekdays.

• Your personal equipment: helmet, jacket, gloves, bag. You've invested in equipment that matters to your safety and comfort.

Your situation often combines several of these profiles. A biker can ride on weekdays for his work and go out on Sundays with full equipment. It is from this reality that the choice between the three levels makes sense. The precise content of each level can be found in Allianz’s contractual documentation, which you consult before deciding.

Allianz attaches each guarantee to the formula and options

A guarantee can be read with the formula that wears it. Allianz makes this clear: motorcycle insurance guarantees may include assistance, driver’s guarantee, equipment and contents, depending on the formula and options chosen. Each of these therefore depends on the level you choose or an option you add.

Take your helmet and jacket. You carry them on every journey, they represent a budget, and you legitimately wonder what happens to them after a fall. The answer can be found in your contract: their coverage depends on the formula and options taken out, and is confirmed under the conditions provided for.

Same logic for the bag you attach to your motorcycle during a weekend outing. Content may be part of warranties, depending on the formula and options. Before you leave with valuable stuff, you know where to look.

The driver's guarantee follows the same principle. It directly concerns your protection as a pilot, and its presence is verified in the level envisaged.

Finally, assistance can be part of your coverage. It applies under the terms of the contract, which you take the time to read before you need it. Allianz gives you a simple reading: a guarantee is linked to a level or option, and it is this link that lets you know what your contract actually provides.

Replacement vehicle and Value Plus Pack, two options to consider

Your mobility counts as much as your motorcycle. Imagine your two-wheeler immobilized on a Tuesday night, while the next morning's journey remains to be done. For a biker who depends on his machine to go to work, this situation poses a very practical question.

Allianz offers options that may include a replacement vehicle or the Value Plus Pack. These two options are in addition to the formula you use and deserve to be examined in the light of your usage. If your motorcycle is your primary means of transportation, the issue of the replacement vehicle is of direct concern to you. The Value Plus Pack is also one of the possible options, and its content can be read in the terms of the contract.

In both cases, eligibility and conditions shall be verified in the contract before any decision is taken. This starts with accurate information, tailored to your situation, rather than an assumption of what the option covers.

Your points to check before choosing a level

A few specific questions are enough to inform your choice. Each element of your coverage depends on the formula, option or terms of the contract. The chart below helps you ask the right questions in the right place.

The answers to these questions can be found in the terms of your Allianz contract and in its contractual documentation, which you consult before signing. They help you to link each warranty to your actual use of the bike, on a daily basis as well as on weekends.

Write down your answers as you read. This will give you a clear view of what each level foresees for your profile when signing.

The level chosen follows your way of riding

The three levels proposed by Allianz, in the third, intermediate and all risks, give you a solid benchmark to ensure your two-wheeler. Each warranty is then read according to the formula and options chosen. Your choice starts from the way you ride, on a daily basis as well as on weekends, and is confirmed by the contract.