What are the essential accessories for riding a motorcycle? Traveling by motorbike has many advantages and it can be a real pleasure if you are passionate about this mode of transport. However, when it comes to road safety, the motorcycle does not offer the same level of passive protection as a car: seat belt, airbag, or headrest. For this reason, wearing appropriate safety equipment while riding a two-wheeler is essential to reduce the risk of injury in the event of an accident or fall.
Motorcycle Insurance: What guarantee for motorcycle equipment?
In France, wearing an approved motorcycle helmet has become an obligation since 1973, whether for the pilot or the passenger. In addition to this essential motorcycle gear, wearing CE certified motorcycle gloves has also become mandatory since January 2016. Also, although it is not mandatory to wear it when riding a motorcycle on the roads, wearing a fluorescent vest is necessary for an emergency.
Since motorcycle insurance is essential for driving a two-wheeler on public roads, having the right motorcycle equipment and accessories (helmet, gloves, pants, boots, jacket, and airbag vest) is very important to reduce injuries, fractures, and burns of the skin in case of unforeseen circumstances. In the same spirit, it should be noted that it is also possible to include a motorcycle equipment guarantee in your motorcycle insurance contract.
With a motorcycle equipment guarantee, your motorcycle insurance allows you to benefit from adequate coverage in the event of theft or accident for your gloves, helmet, jacket, pants, and boots. Most insurers set more or less strict conditions to be able to benefit from the equipment guarantee. In this sense, some insurance companies only guarantee accessories certified NF (French certification) or CE (European certification).
Motorcycle Insurance: Motorcycle safety levels established
According to established standards, the use of motorcycle equipment and accessories can be classified into four levels:
Level 1: beyond the mandatory helmet and homologated gloves, riders who use their motorcycle occasionally must wear a motorcycle jacket with appropriate protection.
Level 2: for regular drivers, motorcycle boots must be added in addition to the equipment recommended for the first level.
Level 3: Bikers who are actively riding must wear pants with adequate protection.
Level 4: riders of this rank drive their motorcycles intensively, the level of protection includes the use of airbags.
Wearing approved motorcycle equipment gives you double protection in the event of a fall or accident. Indeed, driving a motorcycle with a non-approved helmet exposes you to two risks. The first and most serious is the possibility of sustaining more serious injuries. The second risk is that your motorcycle insurance is entitled to advance the non-compliance of the helmet to lower the amount of compensation.
Motorcycle Insurance: Protective factors of motorcycle accessories
Comparing the levels with data from the European Association of Motorcycle Manufacturers (ACEM), a denim or nylon jacket has a protection factor of 69%, while a motorcycle jacket reaches 92%. For foot protection, sneakers have a protection factor of 46%, while motorcycle boots (recommended at level 2) reach 93%. As for the pants recommended for level 3, models designed for bikers have a protection factor of 96%, compared to 65% for normal pants.
Finally, it’s important to talk about jackets that include an airbag (recommended at level 4) to protect motorcycle riders. Also, airbag vests are also available in the market. As with all motorcycle accessories and equipment mentioned, it is possible to find products for all budgets.