Top & Best Motorcycle insurance Review 2021 – How to Select Ultimate Buyer’s Guide

Motorcycle insurance: What’s the best of 2021

Many motorcyclists are unsure whether or not to invest in motorcycle insurance. After all, this type of insurance often requires a high financial investment.

However, with the increase in motorcycles on city streets and, consequently, accidents, thefts and motorcycle thefts, more and more insurance is necessary.

In today’s article, Reviewbox will show that it is possible to hire motorcycle insurance without compromising your budget too much. In addition, here you understand what are the modalities of motorcycle insurance and when it is necessary to hire such insurance.

First, the most important

  • Motorcycle insurance can guarantee indemnity in cases of accidents, total loss, in addition to theft and robbery, depending on the modality you choose.
  • Although not a cheap investment, motorcycle insurance saves you from spending even more in unforeseen circumstances.
  • To choose the best, and the one that fits in your pocket, you need to take into account some criteria that differentiate one motorcycle insurance from another.

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Best Motorcycle Insurance: Our Recommendations

When it comes to hiring motorcycle insurance, it is natural that many questions arise. After all, each insurer offers different plans. To facilitate your search, we have listed below the best motorcycle insurance according to each need. Look:

  • The best option as a whole
  • The best insurance for Honda motorcycles
  • The best insurance for account holders

Hiring Guide: What you need to know about motorcycle insurance

Motorcycles are responsible for the largest number of accidents and traffic victims in the country. This is what a 2017 study points out, in which 285,662 claims were recorded, which represented 74% of the indemnities paid that year ( 1 ) .

In addition, the number of motorcycle thefts and thefts in 2017 also increased by 19% over the previous year, only in the state of São Paulo. ( 2 ) .

These two data show that, even though it may be a high investment, motorcycle insurance can be cheaper than having to pay for accidents, thefts and thefts. And that is what we are going to deal with in this Guide.

How does motorcycle insurance work?

Motorcycle insurance is very similar to car insurance. It is a contract that establishes that, in the event of certain situations, the insurance operator will bear the costs, offer assistance or indemnify the insured.

In the case of motorcycle insurance, it is possible to hire coverage against theft, theft, collision, fire, damage to third parties, among other unforeseen events that may occur with your motorcycle.

However, motorcycle insurance is one of the most expensive, often exceeding the value of the vehicle itself, and this makes motorcyclists resist hiring him.

However, as it is not possible to predict emergencies, it is precisely when something unforeseen occurs that the motorcyclist understands the importance of motorcycle insurance.

What are the types of motorcycle insurance?

In motorcycle insurance, although each insurer stipulates the types of coverage, we can say that, in general, there are two types of insurance: Comprehensive and Non-Comprehensive.

Check out the main characteristics of each one below:

Comprehensive motorcycle insurance

In this mode, you guarantee complete protection for your motorcycle. This is because, comprehensive type motorcycle insurance has several coverages in a single policy such as, for example, fire, explosion, theft, theft and collision.

However, it is worth noting that, in this type of motorcycle insurance, loss protection is generally partial.

That is, if you crash your motorcycle and the damage is less than 75% of the total, the insurer will only pay for one part of the repairs and you will have to pay for the other part of the damage.

Non-Comprehensive Motorcycle Insurance

This type of motorcycle insurance covers only specific coverages. That is, unlike comprehensive motorcycle insurance, here, you only hire one type of coverage, for example. In general, you will find coverage against theft, theft and total loss of the vehicle.

The prices for this insurance are usually lower than the other modality, since the coverage coverage is smaller.


Non-comprehensive insurance has no deductible, as there are no coverages for partial damages.

In addition, in general, non-comprehensive insurance has no deductible, as there are no coverages for partial damages.

This means that coverage for this type of motorcycle insurance is foreseen when damage greater than 75% occurs in the vehicle. In this case, therefore, the motorcyclist is compensated according to the contracted percentage of the FIPE table.

It is worth noting that each policyholder stipulates which are the coverages included in this type of insurance.

Did you know that there are risks that are excluded from motorcycle insurance?

Among them are the damage caused by the insured’s negligence, wear and tear, material failure, mechanical defect and recurrent damage from the use of the motorcycle in inappropriate places such as rivers and the beach.

When is it recommended to take out motorcycle insurance?

If we consider that it is not possible to predict the occurrence of accidents, thefts and thefts, in fact the contracting of insurance should be a rule for those who have a vehicle. But it is clear that this is not a rule.

According to experts, hiring insurance for motorcycles is best indicated in the following cases:

    • If you use your motorcycle a lot : The more you use your motorcycle, the greater the chances of theft, theft, collision and paint damage.
    • If you live in a city or region with high theft and motorcycle theft.
    • If your motorcycle model is highly targeted by thieves.
    • If you use the motorcycle a little, but you often travel a lot with it.


Now, if you live in a small town, with less crowded streets and are less at risk of collisions, you may not need complete motorcycle insurance.

Still, in this case, it is worth considering specific, simplified and cheaper motorcycle insurance.

What are the advantages and disadvantages of motorcycle insurance?

Motorcycle insurance has numerous advantages, although it also has negative points.

Since motorcycles do not offer the same safety as a car, the risk of accidents is greater. And, of course, nowadays, motorcycles are also highly targeted by thieves.

And from there comes one of the main advantages of motorcycle insurance. With it you protect yourself against theft, theft, collisions and fires, among other unwanted situations.

In addition, it is possible to choose between different types of cover since, in general, insurers offer complete and specific motorcycle insurance.

Not to mention that most insurers also offer extra benefits when you hire motorcycle insurance such as a 24-hour tow truck, for example.

On the other hand, you must remember that, in fact, motorcycle insurance can be very expensive and you may never need to use it.

Anyway, to get a general idea about the advantages and disadvantages of motorcycle insurance, check the table below:

How much does motorcycle insurance cost?

To find out exactly how much motorcycle insurance costs, you need to quote from the insurance company, which, in general, can be done online.

But, in general, the price of motorcycle insurance is calculated according to the risks to which the vehicle is subject. These risks are assessed by insurers according to statistical data and their profile.

In addition, the number of engine displacements can also be used as one of the factors for calculating the motorcycle insurance policy. In general, the larger the cylinder capacity, the higher the insurance value.

Check out other factors that are taken into account by insurers when pricing motorcycle insurance:

    • Security level of the region where you live and work.
    • Most expensive motorcycle models to repair.
    • Range age in which more people are involved in more accidents.


Insurers also make an assessment of your personal information, such as place of residence, history of accidents, accidents and theft of previous vehicles, place where the motorcycle spends the night, etc.

Therefore, to get cheaper motorcycle insurance you can adopt habits that minimize the risks for you and your motorcycle.

You can, for example, park your motorcycle in a covered parking lot and with security cameras, instead of parking on the street.


Hiring Criteria: How to analyze motorcycle insurance

When choosing between the different types of motorcycle insurance available on the market, you need to understand what differentiates one from the other.

To help you with this step, we recommend that you take some factors into account. Are they:

  • Coverings
  • Benefits
  • Franchise
  • Reliable company

Below, you can see how to analyze each of these criteria.


As we have seen, motorcycle insurance coverage varies depending on the insurer you hire and the type of insurance you choose.

But for you to get a general idea, we list below the most common coverages you will find:

  • Theft and theft : In this case, compensation is paid when the vehicle is not located or when it is located with losses greater than 75%.
  • Collision, fire and theft / robbery : This cover protects the motorcycle in the event of an accidental collision or rollover, falling over precipices or bridges, damage to paint; lightning strike, explosion; partial or total theft or theft; etc.
  • Civil Liability : This coverage can be used when you are sued judicially or extrajudicially for material or bodily damage caused to other people.


Take into account that each insurer offers different benefits. Most of them offer 24-hour assistance, which usually includes a winch, key chain, etc. Other insurers offer residential services, such as electrical and plumbing.


When closing the contract, note, in addition to the motorcycle insurance amount, also the deductible amount. The deductible is the amount you should pay if you are involved in a claim with partial loss of the motorcycle.

For example, if you hit the bike and the repair is R $ 5,000, considering that the contracted deductible was R $ 1,500, you will pay this amount to the workshop and the insurance company will pay the remaining R $ 3,500.
That is, the higher the deductible, the lower the insurance value will be.

In general, you will find the standard deductible, expanded or reduced. But each insurer stipulates the values ​​of each one.

Reliable company

Make sure that the company you choose is supervised by Susep, the Private Insurance Superintendency.

Otherwise, you run the risk of not being reimbursed for the amounts contracted in situations of theft, theft and other damage to the vehicle.



Motorcycle insurance can be very useful in case of accidents, thefts and thefts. And although this type of insurance is expensive, the fact is that it can be cheaper than the unforeseen events that may occur.

To choose the best motorcycle insurance, evaluate the insurance company and the coverage it offers. Also check the deductible and additional services included in the contract.


  • Policy: Contains the clauses, general conditions and contract coverage.
  • Deductible: It is the amount to be paid by the insured in the event of a claim, in case of partial loss.
  • Indemnity: Payment made by the insurer to the insured in the event of a predicted event.
  • Sinister: Occurrence of the event provided for in the contract and which forces the insurer to indemnify.
  • Third parties: Individual or legal entity, unrelated to the insured, who may appear as a claim for compensation.


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