Compare motorcycle insurance

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 take out additional supplementary insurance, this will affect the amount of the insurance premium.

To find out what motorcycle insurance will cost you, we recommend using the calculation tool.

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 as a minimum requirement.

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 break coverage here.

There are a number of obligations for motorcycle insurance, but motorcycle clothing is not mandatory. The main function of motorcycle clothing is to protect the rider from injury from falling.

But the clothing is also made for comfort. This is because the wind does not get a hold of the material. As a result, the motorcycle clothing does not flap like a flag in the wind. The clothing also provides good visibility.

Compared to cars, motorcyclists are less visible to other work users. Motorcycle clothing also provides good ventilation.

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.

In the Netherlands, it is mandatory to insure any motor vehicle that goes on the road. Taking out motorcycle insurance is therefore mandatory. But why is that? An accident is in a small corner and this can cause eye or injury damage. These costs often add up quickly.

At least with insurance, you are covered for the damage you cause to another person. In fact, if another person causes damage to you, it is covered by the other party's insurance. Besides the mandatory nature of third-party insurance, having good insurance can give you a sense of peace of mind.

Once you register a license plate in your name, it is mandatory to have insurance. You are also in violation if you drive without motorcycle insurance. This can have major financial consequences. In addition to the police, the RDW can also impose a fine.

There are four major disadvantages to driving uninsured:

1. The RDW can impose a fine of €400 (they can do this three times a year);
2. You risk a €550 fine from the police upon arrest;
3. Of all the damage you drive, the bill is yours;
4. If you continue driving uninsured for too long, only expensive insurers will accept your application. Reason enough not to drive without insurance, but to find good insurance.

Many young people think about taking out motorcycle insurance in their parents' names. That may seem appealing, but it is a risky choice. If you take out insurance, then you must also be the one responsible. The license plate holder is always the person liable for insurance.

If you do not disclose who the actual, regular driver is, then you are committing insurance fraud. The consequences can be dire: the insurer can refuse to pay damages, and that can amount to tons.

Therefore, always be honest and transparent when taking out your insurance. This way you can avoid problems and be sure you are properly insured.