Comprehensive Motorcycle: own damage covered, even at-fault
Licensed Broker
DGSFP Registered
Everything in Third-Party + Theft, plus damage to your own bike from accidents and mechanical issues. ReMoto included free. Best for new bikes and daily commuters.
Up to 60% no-claims discount. Higher excess = lower premium.
From €450/year
Quote-based. Depends on bike, rider and postcode.
Typical starting premium. Final price always depends on your individual circumstances.
Payment: Annual, six-monthly or quarterly.
What's covered
Cover included as standard with Comprehensive (with excess)
Own damage to your bike
Damage to your own bike from any cause: at-fault accidents, hitting a kerb, dropping the bike, vandalism.
Theft - 100% market value
Total theft reimbursement at 100% market value, plus damage during attempted theft.
Civil liability + voluntary top-up
Same as Third-Party.
Medical assistance - rider and passengers
Same as Third-Party.
ReMoto accident detection
Free on every tier. Automatic ambulance dispatch on detected fall.
Fire damage
Cover for fire damage to your bike.
Legal defence
Traffic-accident legal proceedings.
Free garage choice
Any repair garage.
Optional add-ons
Extend cover by adding any of these to your policy at quote stage.
Damage cover for high-value safety gear.
Bike rental during repairs.
What's not covered
Be clear on what's excluded so you can decide if this tier suits you.
- Wear and tear, mechanical failure unrelated to a covered event
- Racing or illegal use of the bike
- Damage while rider is under the influence (legal limit applies)
Comprehensive Motorcycle, in one paragraph
Comprehensive motorcycle cover: own damage to your bike from any cause (at-fault accidents, dropping the bike, kerb strikes, vandalism), plus everything in Third-Party + Theft. Selectable excess to balance premium and out-of-pocket. ReMoto life-saving accident detection included free. Right for new and high-value bikes, daily commuters, and any rider who'd struggle to absorb crash-damage costs.
Frequently asked questions
What does 'with excess' mean?
Excess (also 'franchise' or 'deductible') is the first slice of any claim you pay yourself. Higher excess = lower monthly premium. Selectable at quote.
Should I take Comprehensive or Third-Party + Theft?
Comprehensive if your bike is new or worth €5,000+, you commute daily, or you'd struggle to absorb the cost of crash damage. Third-Party + Theft if your bike is older, you ride mostly weekends, and you'd accept the cost of a parking ding without claiming.
Is helmet damage covered?
Optional add-on. Worth taking if you wear a high-end helmet or leathers.
Is ReMoto really free on this tier?
Yes - ReMoto is included free on every Caser motorcycle tier (basic, theft, comprehensive). It's a flagship safety feature, not an upsell.
Get your Comprehensive (with excess) quote
Fill in the details and our team will come back to you with a written quote.
Compare with other Caser tiers
Same insurer, different cover levels. Find the fit for your situation.