0
0
Motorcycle accident statistics in SpainEdit
The high accident rate of motorcycles in Spain has been somewhat traditional over the years, although this trend has changed. From 2008 to 2011, the accident rate has been reduced by 43%, according to Anesdor. On the other hand, according to data from the ICEA -Cooperative Research between Insurance Entities and Pension Funds-, 66% of car and motorcycle accidents are caused by cars.
By age, the highest number of accidents falls on drivers between 15 and 21 years of age, decreasing in the section between 21 and 35. The frequency of accidents among drivers who have only one year of driving license is especially relevant, decreasing notably throughout the first ten years of the card.
In terms of cylinder capacity, the accident rate is 15% more frequent than the average in 50cc motorcycles, although the severity or cost of accidents among more powerful motorcycles is considerably higher, especially among 500cc motorcycles, where the severity of accidents is above the ratio. of vehicles in general.
On the other hand, the accident rate also varies by region, with there being provinces with more locations of accidents caused by motorcycles, as is the case of Melilla -three times above the Spanish average rate-, Las Palmas or Pontevedra, with the risk of claims in Cádiz and Ceuta –with an index around 1.4 above the average-.
On the opposite side, the provinces that stand out for their low accident rate are Ávila, Segovia, and Soria, whose accident rates are around 70% below the Spanish average.
Insurance distribution modelsEdit
In the motorcycle insurance environment, the following models are worth mentioning:
- Mediators: These are third parties, professionals from the world of insurance, who comply with legal requirements and collaborate with insurance companies for the distribution of their products. Their job is to publicize the insurance, present the policy to the insured so that they can sign it, and manage the entire relationship between the client and the insurance company in the event of an accident.
- Direct: Of relatively recent creation, direct insurance companies are usually also called “telephone” or “online insurance”. Their growing presence in the insurance market is due to the fact that they propose a new management model that enables direct and agile contact between the insurer and the client, without intermediate processes.
- taxi driver
