First class insurance is comprehensive and covers the bike and third party as well. For the others, 2nd and 3rd class usually just covers third party liability. 2nd class still has somehow partial coverage for some bikes but 3rd class mostly is for third party liability.
When buying Class 1 (First Class) insurance, you can always choose between Dealer or Garage coverage. Meaning that when you have been in an accident, if you have a dealer motorcycle insurance policy and you drive a Dutaci, you can take your car into Ducati Dealer to get reparied but if you have a Garage policy, you will need to go to a normal contacted garage. Motorcycle insurance with dealer type of coverage is of course will be more expensive than the normal garage coverage.
Yes, if your coverage start date is today, your accidents will immediately be covered. As long as you have already paid, then coverage is already guaranteed.
Every insurance company is required to have a Emergency hotline.
Yes, your wife/husband or girlfriend/boyfriend can also drive the bike and still be covered.
Yes, all of these insurance policies provide cover for public liability or third party property insurance.
Bike insurance is very specific to each type of bike, 3rd class insurance will cover bikes that are older than 5 years old, 2nd and 1st class will only cover bikes that are new upto 5 years of age, so it depends on the type of bike that you have.
No-claim bonus will only be available for First class insurance (Class 1) If you haven't made any claims on your policy, you will get a no-claim bonus of 20% every year until your no-claim bonus reaches 50% *This will depends on the guidelines of each insurance company, some companies offer a no-claim bonus and some don't.
You will receive 2 sets of documents (PDF and original documents)
We will send the PDF documents set by LINE or Email within 1-2 days, in which you can print this and keep in with you (or in your vehicle) as this will be your temporary policy (any emergencies or accidents, this document will be enough)
For the original documents set, you will get them within 7-14 working days. We will send them to your mailing address that you have specify. In the mean time, your bike is already covered and you can call the hotline for emergencies and accidents.
You can always call us at our Hotline : 02-985-9123 or Chat with us LINE@ @mr.prakan or Email us : [email protected]
Office hours Mon-Fri : 08:00 - 17:30