Motorcycle loss insurance is divided into two types based on purchase, namely motorcycles purchased by cash and credit. For motorcycles purchased in cash, insurance is generally not covered, so you need to buy insurance separately for protection. As for purchases on credit, motorcycles are automatically protected by loss insurance. For the method of calculating lost credit motorcycle insurance, it is similar to a motorcycle purchased in cash. The method of calculating lost motorcycle insurance depends on several factors, namely the period between the date of loss and the date of claim, the OTR (on-the-road) price of the motorcycle at the time of the loss, and the amount of credit remaining for the lost motorcycle. If purchased on credit, the method of calculating lost credit motorcycle insurance claims is by using the sum insured to pay off the ongoing credit. Even though the motorcycle has been lost, make sure you continue to pay off the motorcycle credit so that the process of disbursing the sum insured runs smoothly. The procedure for calculating lost motorcycle credit protection insurance from Adira, FIF, Oto Finance, CS Finance, or other companies or institutions can differ. Make sure you always look for the information first before choosing the best protection option for your favorite two-wheeled vehicle.