Motor cycle / 2 wheeler
In the insurance world the term motor cycle includes any kind of cycle propelled mechanically and includes mopeds, there are a wide range of risks as in motor vehicles.
Standard cover
The standard of comprehensive motor cycle policy is much the same as that of the private motor policy, therefore we need only to identify the main difference between the motor cycle policy and private policy. And this can be explained in the following exceptions as below:
- No cover provided for the theft of accessories or spare parts unless the motor cycle itself is stolen at the same time.
- There is no personal accidents benefits, medical expenses or personal effects cover.
- The liability section general indemnifies the insured or his personal representatives in the event of the insured death, if others are permitted to drive the motor cycle then would also be indemnified as would users of motor cycle for social and pleasure purpose.