Moto e assicurazione, sempre più importanti le polizze accessorie

Tutti i motociclisti sanno che la semplice copertura RC (Responsabilità Civile) non è sempre sufficiente per tutelare al meglio la propria moto e la propria persona nel caso di cadute o di sinistri.

Proteggere tutto ciò che per i motociclisti è importante, è diventato ormai un obiettivo di tutte le compagnie assicurative.

Una polizza che ripaghi solo la moto, quindi, non sempre è soddisfacente per i motociclisti che, pensando alla propria incolumità, hanno magari acquistato abbigliamento tecnico costoso o hanno riportato dei gravi infortuni a seguito di cadute e desiderano proteggersi.

Per rispondere a queste esigenze, le compagnie assicurative hanno studiato delle polizze accessorie in grado di soddisfare le esigenze di tutti i motociclisti. Tra le varie compagnie assicurative di nuova generazione troviamo Genertel, che offre un’intera gamma di garanzie accessorie per le moto e per i loro conducenti.

Basta richiedere online un preventivo assicurazione moto, gratuito e immediato, in cui Genertel offre la possibilità di valutare ed inserire le polizze aggiuntive.

Tra queste troviamo, ad esempio, la ‘Minikasko abbigliamento’, che prevede una copertura completa dei danni riportati a casco ed abbigliamento del motociclista in caso di caduta o di collisione con altri veicoli. 

Altre polizze accessorie, sono quelle legate agli infortuni riportati a seguito di una caduta. Con la polizza ‘Infortuni del conducente’, si ha il rimborso di: spese di cura, spese per raggiungere un centro specializzato, diaria per ricovero o ingessatura ed indennità per invalidità permanente.

Poi c’è la polizza ‘Aiuto Domestico’, che fornisce una diaria giornaliera di 50€ (per un massimo di 30 giorni) per le spese sostenute per l’assunzione di personale di servizio legato alla vita familiare quotidiana come, colf, baby-sitter o dog-sitter.

Oltre a queste, troviamo poi le polizze dedicate all’assistenza stradale, che comprendono non solo carro attrezzi e riparazione in loco, ma anche spese di albergo nel caso la moto dovesse subire una sosta forzata per almeno una notte, spese di ritorno nel caso di urgenze, viaggio di un familiare per assistenza al conducente, ed eventuale interprete (qualora fosse necessario) se il veicolo rimane fermo all’estero. 

Un’altra polizza aggiuntiva disponibile nell’offerta Genertel riguarda la ‘Protezione Imprevisti’. Questa copre le spese relative allo smarrimento delle chiavi e/o della patente, le spese di immatricolazione di un nuovo veicolo nel caso di furto o incendio del veicolo già assicurato, e la copertura di eventuali spese di ripristino del box auto in caso di danni da incendio del veicolo assicurato.

Tutti questi sono aspetti cari ed importanti per tutti i motociclisti, sia quelli che affrontano lunghi viaggi, sia quelli che salgono in moto solo in rare occasioni e per percorrere pochi chilometri, dato che tutti hanno la necessità di proteggersi il più possibile.

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