The replacement of lost or destroyed keys with €0 deductible
In case of loss or destruction of keys or remote controls of a motorcycle, we shall indemnify the replacement of a key or remote control without deductible.
Helmets and protective gear are also covered
In case of accident, we’ll compensate motorcycle rider and passenger gear – including helmets and protective clothing – up to €3,000
24/7 free roadside assistance in case of a motorcycle accident
If your motorcycle breaks down or you're involved in an accident, our free 24/7 roadside assistance is here to help – also abroad (except in Russia, Belarus, and Ukraine)
Why insure your motorcycle?
Moto Casco is a valuable companion – both on the road and while your bike is parked or stored. It gives you peace of mind knowing that if something happens to your motorcycle or gear, help is close at hand. Unlike mandatory traffic insurance, casco also covers damage to your bike even if you caused the accident yourself or if another unexpected incident occurs.
Read more about why motorcycle casco is worth adding alongside your traffic insurance.
Choose the suitable Moto Casco insurance
Moto Casco coverages
Motokasko
Motokasko Extra
To solve a problem with a passenger vehicle or van, call If's insurance number at +372 777 1211 and roadside assistance will be on its way! You can also use this service when in trouble abroad. NB! If's roadside assistance is not available in Russia, Belarus, and Ukraine.
Included
Included
Accident - we will indemnify the damages to or destruction of a vehicle as a result of an unforeseen event – traffic accident, natural disaster, damages to or intentional damaging of parts of a vehicle by a person not related to you. Theft - we will indemnify theft or robbery of a vehicle or parts thereof. Vandalism - we will indemnify damages caused intentionally to the vehicle by third persons. Fire - we will indemnify damages to or destruction of a vehicle as a result of a fire, i.e. arson by third persons, smoke, soot or extinguishing activities.
All risk insurance has restrictions, please be sure to read the insurance terms and conditions about the exclusions in detail.
Included
Included
We will indemnity the damages caused by collision with the animal without deductible.
Included
Included
In case of loss or destruction of keys or remote controls of a vehicle, we shall indemnify the replacement of a key or remote control, if necessary, recoding, without applying the deductible, but not more than €300 per insurance event.
Included
Included
In addition to the original parts of the vehicle, parts of the vehicle installed by the non-manufacturer are automatically insured to the extent of up to 3,000 euros. For example, luggage bags, safety bars, etc. If necessary, the indemnity limit can be increased.
Included
Included
Together with the vehicle, motorcycle helmets and protective clothing for the driver and passenger of the motorcycle are insured up to 3000 euros.
Included
Included
If your items are stolen from a locked luggage bag by burglary, we will compensate the cost of re-purchasing the stolen items up to €1,000.
Not included
Included
If the driver or a passenger suffers a permanent injury or dies as a result of a traffic accident, we will pay a one-time compensation. If the person is on medical leave for at least 7 days due to the accident, we will pay a daily allowance.
Not included
Included
If the vehicle has been stolen or robbed, or its restoration is not reasonable, we shall pay an additional indemnity the amount of which is 15% of the vehicle's market value immediately before the insurance event.
Not included
Included
Leased Value Insurance – we will compensate the remaining lease value of the vehicle if it exceeds the market value. Lease Payment Insurance – we will pay compensation for up to 100 days if the lessee becomes incapacitated due to an insured event.
Each insurance contract includes specific insurance terms that we rely on when indemnifying damages when an insurance event occurs. Please always review the insurance terms and conditions for coverage, exclusions, and insured events.
You can get casco insurance for motorcycles that are up to 25 years old.
Where is motorcycle casco insurance valid?
Motorcycle casco coverage is valid throughout Europe, except in Ukraine, Belarus, and Russia.
What is an insurance deductible?
A deductible is the part of the damage cost that you cover yourself. With If’s motorcycle casco, you can choose your deductible – €200, €400, or €650 – to adjust the insurance price to suit your needs.
How much is the casco insurance deductible?
When you sign your If motorcycle casco insurance contract, you can choose the deductible amount: €200, €400, or €650 – allowing you to tailor the insurance price to your needs.
How can I cancel my motorcycle casco insurance?
Selling your motorcycle According to the law, when you sell, gift, or otherwise transfer your motorcycle, all insurance-related rights and obligations pass to the new owner. This means you should cancel your casco policy before selling the motorcycle – otherwise, only the new owner can request cancellation and a refund of the premium.
How to cancel the casco policy Once you know the date of sale, submit a cancellation request via If’s self-service portal in advance, including the date from which you want the policy to end.