Motorbike insurance
Which cover suits you?
Third-party liability (mandatory)
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Free recovery service
i Alpina works with 112schade.nl to recover non-covered damages from the other party. Has someone caused damage to you, but you have no coverage on your own policy? 112schade.nl can help you recover your damage from the other party completely free of charge.
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Damage to others
i This is the basic coverage and cheapest motorcycle insurance. It covers damage you cause with your motorcycle to third parties, but not damage to your own motorcycle.
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Theft and fire damage
i In addition to the third-party coverage, theft or fire damage is now also covered. Damage to your own motorcycle caused by yourself (e.g. by a collision) is not covered.
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Damage to own engine
i In addition to third-party coverage and compensation for theft and/or fire damage, damage to your own motorcycle (due to a collision, for example) is now also covered.
WA Limited Casco
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Free recovery service
i Alpina works with 112schade.nl to recover non-covered damages from the other party. Has someone caused damage to you, but you have no coverage on your own policy? 112schade.nl can help you recover your damage from the other party completely free of charge.
-
Damage to others
i This is the basic coverage and cheapest motorcycle insurance. It covers damage you cause with your motorcycle to third parties, but not damage to your own motorcycle.
-
Theft and fire damage
i In addition to the third-party coverage, theft or fire damage is now also covered. Damage to your own motorcycle caused by yourself (e.g. by a collision) is not covered.
-
Damage to own engine
i In addition to third-party coverage and compensation for theft and/or fire damage, damage to your own motorcycle (due to a collision, for example) is now also covered.
WA Full Casco (All-Risk)
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Free recovery service
i Alpina works with 112schade.nl to recover non-covered damages from the other party. Has someone caused damage to you, but you have no coverage on your own policy? 112schade.nl can help you recover your damage from the other party completely free of charge.
-
Damage to others
i This is the basic coverage and cheapest motorcycle insurance. It covers damage you cause with your motorcycle to third parties, but not damage to your own motorcycle.
-
Theft and fire damage
i In addition to the third-party coverage, theft or fire damage is now also covered. Damage to your own motorcycle caused by yourself (e.g. by a collision) is not covered.
-
Damage to own engine
i In addition to third-party coverage and compensation for theft and/or fire damage, damage to your own motorcycle (due to a collision, for example) is now also covered.
With the online tool at Alpina.nl , thecheapest motorcycle insurance isquickly found. First enter some data, such as license plate number, date of birth and number of claim-free years. Then choose the desired coverage:third-party, limited hullorall-risk. Alpina immediately shows a top 5 of the cheapest providers. No license plate at hand? Then select the make and type of motorcycle. Easy right? Click here tocalculate the premium formotorcycle insurance.
The insurer determines the premium based on several factors. The amount of the premium depends on motorcycle specifications, such as type, number of cc and weight. Furthermore, your personal data play a role, such as age, place of residence and number of claim-free years. Alpina.nl needs these data to find providers that best fit your personal situation.
Possible coverages for motorbike insurance
Third-party liability (WA)
This is the basic coverage and cheapest motorcycle insurance. It covers damage you cause with your motorcycle to third parties, but not damage to your own motorcycle. Read more.
Limited Comprehensive (WA plus or WA+)
In addition to third-party coverage, damage to your own motorcycle is now also covered in the event of fire, theft and storm, among other things. Damage to your own motorcycle that you caused yourself (e.g. due to a collision) is not covered. Read more.
Full casco (all-risk)
This is the most comprehensive coverage for motorcycle insurance. Everything covered under limited hull is covered, but now all damage to your own motorcycle is also covered. Read more.
Third-party liability (WA)
This is the basic coverage and cheapest motorcycle insurance. It covers damage you cause with your motorcycle to third parties, but not damage to your own motorcycle. Read more.
Limited Comprehensive (WA plus or WA+)
In addition to third-party coverage, damage to your own motorcycle is now also covered in the event of fire, theft and storm, among other things. Damage to your own motorcycle that you caused yourself (e.g. due to a collision) is not covered. Read more.
Full casco (all-risk)
This is the most comprehensive coverage for motorcycle insurance. Everything covered under limited hull is covered, but now all damage to your own motorcycle is also covered. Read more.
Additional coverages for motor insurance
Accident insurance
The accidental passenger insurance pays a fixed amount in the event of an accident with the motorbike to the driver and/or the passenger. Read more.
Indemnity insurance for riders
The front passenger insurance compensates the damage of the rider and the passenger after an accident with the motorbike. This damage can include property damage (clothing, luggage, etc.), loss of earnings, household help, transport costs, medical costs, compensation and funeral costs. Read more.
Legal expenses insurance
Legal expenses insurance provides legal advice and expert legal assistance in the event of damage to or with your motorcycle.
Accident insurance
The accidental passenger insurance pays a fixed amount in the event of an accident with the motorbike to the driver and/or the passenger. Read more.
Indemnity insurance for riders
The front passenger insurance compensates the damage of the rider and the passenger after an accident with the motorbike. This damage can include property damage (clothing, luggage, etc.), loss of earnings, household help, transport costs, medical costs, compensation and funeral costs. Read more.
Legal expenses insurance
Legal expenses insurance provides legal advice and expert legal assistance in the event of damage to or with your motorcycle.
Insure your motorcycle only WA
Taking out this insurance is mandatory. But you may also choose one of the two other forms, as it also includes coverage against third-party liability (WA). TPL insurance never pays for damage to your motorcycle. The insurer only compensates damage caused to others. What you are legally liable for or what the driver of the motorcycle is legally liable for, the insurer pays out. In case of a motorcycle accident caused by you, your insurer will compensate the other party.
Opting for the more extensive WA limited casco
For a slightly higher premium you cann you also choose the more extensive WA limited casco. In addition to legal liability coverage, this insurance also provides coverage for one of the following causes of damage:
- Window breakage
- Theft or attempted theft
- Hail and storm damage
- Fire and explosion
- Collision with stray animals
- Lightning damage
In the event of a payout due to one of these causes, the claim does not affect the number of claim-free years. A caused accident will cost you 5 claim-free years, but for example theft will cost you no claim-free years.
Opting for third-party insurance
The most comprehensive motorcycle insurance offers the all risk (third-party liability insurance). In addition to the causes of damage in the two more limited forms of insurance, the all risk also offers a payment for damage to your motorcycle due to your own fault. This insurance is recommended for a new motorcycle, but also for older ones that are still worth a lot of money. With this insurance you avoid having to pay for a substantial damage to your motorcycle yourself.
Many claim-free years make the All risk attractive
With claim-free years you a discount in motorcycle insurance. With several claim-free years, the most comprehensive insurance becomes cheaper. This makes it easier to choose the all risk instead of one of the more limited coverages. Even if your motorcycle has a comparatively low value, you mayl you still get the best possible coverage.
In case of a damage caused you lose claim-free years
Your accrue one claim-free year by not claiming at-fault damage in one policy year. By claiming one damage, you lose five claim-free years. This can result in a considerable increase in the premium. Damages paid out under the limited liability policy do not cost you any no claim-free years.
Motorcycle insurance for a vintage motorcycle
There is special vintage motorcycle insurance for a vintage motorcycle.
Is your motorcycle 20 years old or older? Does the motorcycle run no more than 7,500 kilometers annually? And do you have another motor vehicle for daily use? Then you qualify for oldtimer motorcycle insurance. The premium for such insurance is a lot lower. The cheapest oldtimer motorcycle insurance starts at 2 euros per month.
Frequently asked questions
What does motorbike insurance cost?
When you want to purchase insurance, a number of factors play a role in determining your motorcycle insurance costs. These include your chosen coverage, age, claim-free years and zip code. Also, if you purchase additional supplemental insurance policies, this will affect the amount of the insurance premium. To find out what a motorcycle insurance will cost you, we advise you to use the calculation tool.
What are the theft requirements for a motorbike?
Theft requirements for motorcycle insurance vary by insurance company. You can find the requirements in the policy conditions that apply to your motorcycle insurance. Theft requirements only apply to WA limited hull and WA all-risk coverage.
ART category 4 approved lock
All insurance companies require at least an ART category 4 approved lock.
What is winter break cover?
Some insurance companies allow you to save on motorcycle insurance premiums by opting for winter break coverage. In this, damage caused by riding the motorcycle is not covered during the winter. Usually this is from December 15 to March 1. Damage caused by fire or theft from the garage is then covered.
Does your motorcycle stay indoors all winter? Then you can choose motorcycle insurance with winter stop coverage. If you ride your motorcycle all year, winter stop coverage is not useful. You can indicate in the quote if you wish to use this. Read more about winter stop coverage here.
Is it compulsory to wear motorbike clothing?
There are a number of obligations for motorcycle insurance, but motorcycle clothing is not mandatory. Why would an obligation still not be so crazy?
A motorcycle slide can quickly cause serious injuries. Even at low speeds. With motorcycle clothing on, you are still likely to suffer injuries in the event of a major slip, but the consequences can be limited by proper clothing. Read more>>.
Motorbike insurance for a quad or a three-wheeled motor scooter
For a quad and a three-wheeled motor scooter, we have separate insurance policies that you can also calculate and take out online with us.
Top 5 Cheapest motorcycle insurance policies 2023
If you are going to purchase motorcycle insurance you are probably looking for insurance that is as cheap as possible. Besides the fact that the motorcycle insurance should be cheap, it is also important that the insurance suits your needs. We therefore always advise you to use a comparison tool. That way you will find out which motorcycle insurance policy suits you best.
| Cover | Monthly premium | Monthly premium | |
|---|---|---|---|
| De Goudse | WA | €3,25 | Calculate premium |
| Motorbike Advantage Policy | WA | €3,35 | Calculate premium |
| ASR benefit package | WA | €3,37 | Calculate premium |
| Allianz Motorcycle Insurance | WA | €3,57 | Calculate premium |
Based on 3143 reviews
What is the best motorbike insurance?
Is your motorcycle your great pride and joy? Then you're probably looking for the best motorcycle insurance for your steel steed. We cannot tell you directly what the best motorcycle insurance is for you. This depends on your personal situation and therefore different for everyone. It is important to choose an insurance that suits you so that you get the best coverage for your motorcycle. Take the time to compare different insurers and look at the different coverages.
Compare motorcycle insurance: why?
Comparing motorcycle insurance is important because it helps you find the best insurance that suits your personal situation. By comparing the offerings of different providers, you can easily find the best motorcycle insurance for your motorcycle. Moreover, comparing ensures that you never pay too much for your motorcycle insurance. When comparing motorcycle insurance, look not only at the amount of the premium, but also at the coverage and conditions. This way you can be sure that you will soon be well insured on the road with your motorcycle.
Take out motorbike insurance
At Alpina.nl you can purchase motorcycle insurance in 4 easy steps:
- Enter your license plate number, zip code, date of birth and claim-free years
- Choose the right coverage for your car: WA, WA+ or All-risk
- Compare the different providers for premium and cover
- Close your motorcycle insurance policy.
Recovery service
Alpina works with 112schade.nl to recover non-covered damage from the other party. Has someone caused damage to you, but you have no coverage on your own policy? 112schade.nl can help you recover your damage from the other party completely free of charge.
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