Como elegir un seguro de moto en invierno

El invierno también es una época del año especial para disfrutar de los viajes con tu moto, aunque los desplazamientos por carretera e incluso en tu misma ciudad se hacen más peligrosos debido sobre todo a la lluvia, heladas, nieve o hielo. Y aunque lo más primordial tener especial cuidado con el desgaste de los neumáticos, revisar bien el motor y contar con ropa térmica, tener un buen seguro nos va ayudar a superar cualquier imprevisto.

La seguridad en invierno lo más importante

Disponer de elementos que nos protejan pasiva y activamente, es fundamental sobre todo para vehículos de dos ruedas, más aún en invierno. Es la época del año donde el motorista se encuentra más expuesto a cualquier incidencia en carretera o ciudad. Es importante hacer caso a los consejos de las autoridades, conducir con más cautela y disponer de todos los elementos de protección posibles, incluido contar con un buen seguro. Este servicio puede ser nuestro mejor aliado. Al igual que no olvidamos disponer de ropa especial térmica para enfrentarse al frío.

Claves para elegir el mejor seguro para moto en invierno

Al igual que cuando viajamos en moto no podemos hacerlo con cualquier calzado, en invierno es fundamental contar también con un buen seguro, especialmente en desplazamientos largos. No obstante, tampoco podemos confiarnos demasiado cuando conduzcamos en ciudad, el frio y la humedad, hace que exista menos agarre y en calles adoquinadas o pasos de cebra pueden resultar especialmente peligroso. Es decir, no estaría mal revisar la póliza y ver hasta qué punto nos puede cubrir ante una posible caída, siendo lo ideal contar con un seguro a todo riesgo ya que nos protege incluso en daños propios.

Por su parte, hay que advertir que los seguros de moto más económicos no ofrecen determinadas coberturas importantes para el nivel de riesgo existente en invierno. Cada vez más existen compañías que ofrecen seguros a tercero que no cubren a acompañantes. Un gran inconveniente, ya que se desprotege por completo al pasajero ante posibles caídas.

Estas serían las dos opciones más aconsejables:

  • Seguro de moto a terceros ampliado: Son seguros muy aconsejables sobre todo si pensamos en las coberturas en épocas del año más lluviosas. Cuentan con coberturas extras para el conductor, pasajero e incluso para la moto. Ideal para cubrir incidencias como caídas, robo, aunque no cubrirá los daños a la moto y gastos médicos al conductor si es culpable del accidente de tráfico.
  • Seguro de moto a todo riesgo. El seguro de riesgo es la mejor opción no solo en invierno sino durante todo el año. Dispondrá de la mayor cobertura posible y aunque son más caro, te alegrarás de disponer de este tipo de póliza, ante cualquier suceso inesperado. Muchos motoristas además aplican el seguro de extensión de garantía en cuanto al tiempo acordado por la marca del vehículo.
  • Pólizas que cubren la equipación: Si has invertido en equipamiento y accesorios para tu moto en invierno, debes saber que existen pólizas con coberturas especiales para la reparación o sustitución del material. Aunque la aseguradora, necesita el parte de accidente o de lesiones, cuando necesites dar el parte.
  • Seguros de asistencia en carretera. Hay que tener especial cuidado si sueles viajar con tu moto o si la utilizas diariamente por cuidad, ya que muchos seguros no incluyen este servicio, y puede ser bastante caro tener que transportar tu moto ante una avería o caída. Por ello, es especialmente recomendable contar con este extra en invierno donde las posibilidades de sufrir aquaplaning es mayor. No olvides que no hace falta que llueva fuerte ya que lo más peligroso sucede cuando apenas empieza a chispear en ciudad. Esa pequeña cantidad de agua hace que la suciedad se convierta en una capa mortalmente resbaladiza.

Sin duda, lo más recomendable es contar con un seguro a todo riesgo, especialmente en invierno. No olvides que algunas aseguradoras de moto como por ejemplo Genesis permiten cambiar las coberturas antes de que concluya el año. ¡Recuerda que la existencia simplemente del vaho en el casco o en los retrovisores, puede hacer que pierdas la visión!

 

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