What does comprehensive motorcycle insurance cover?

The more limited third -party liability and limited comprehensive coverage policies are cheaper, but you also get less for your money. In the event of damage caused by someone else, the all-risk insurance policy also covers your damages. The insurer then recovers the amount of the damages from the party responsible for the damage.

Isn't it better to always go with comprehensive coverage?

With comprehensive insurance, you protect your motorcycle with the best possible coverage, but it’s not always the right choice. The premium amount is the main hurdle. You’re not going to pay a premium of a few hundred euros a year for a motorcycle that’s only worth a small amount. In the event of damage, the payout is based on the current market value. You’ll normally receive no more than the current market value. When comparing policies, weigh the premium against the coverage you receive. For an old motorcycle with a low value, you’re probably better off choosing third-party liability motorcycle insurance.

What is the value of your motorcycle?

When calculating the premium, you’ll be asked for two values: the current market value and the replacement value. You don’t need to look up these values yourself; they’re automatically filled in based on the license plate number. These amounts play an important role in comprehensive coverage, as the premium depends largely on the motorcycle’s original value (replacement value) and its current estimated value (current market value). You can include accessories separately in the comparison. These are additions that were not standard equipment on the motorcycle when it rolled off the assembly line.

By comparing policies, you can get comprehensive insurance at the lowest premium. This could save you hundreds of euros a year.

Coverage:

• WA
• Limited Comprehensive Coverage
• All-risk