motorcycle insurance premium factors

Cost of motorcycle insurance: what can you count on?

Each month you will pay a cost for motorcycle insurance. The trick is to keep motorcycle insurance costs as low as possible. It sounds like a search, but it's not that bad. At Alpina.nl you can compare multiple insurers and easily choose the most suitable insurance.

motorcycle insurance costs

What does motorcycle insurance cost and what factors influence the cost?

The monthly cost of motorcycle insurance depends on many factors. These factors vary by motorcycle and person. For a particular brand of motorcycle, the cost may again depend on the type and new value of the motorcycle. For a vintage motorcycle, yet another value may play an important role, namely the appraised value. The age of the regular driver also greatly affects the cost of motorcycle insurance. How many miles per year you drive, your zip code and additional insurance policies are also important premium determining factors.

But the amount of motorcycle insurance premium depends mainly on the coverage you want. You have the following choices:

 

Want to take out motorcycle insurance? Calculate your premium!

Do you only use your motorcycle in the summer? Lower costs for your motorcycle insurance

Are you a fair-weather rider? In that case, you can save on the cost of motorcycle insurance. If you do not ride the motorcycle during the period from December 1 to March 1 anyway, you can omit the winter coverage from the motorcycle insurance. The insurer is happy about this because with winter conditions, the risk of an accident is higher compared to the more summery period. The insurer will reward this smaller risk with lower motorcycle insurance costs. An effective way to be cheaper.

What other costs come with having a motorcycle?

We can let you save on the cost of motorcycle insurance, but of course there are more costs. For motor vehicle tax, you should expect to pay between €29 and €31 per 3 months. Depending on how intensively you use the motorcycle, for a reasonable new motorcycle you will end up with about €300 per year for maintenance. For older motorcycles, costs will be higher or even much higher. Do not underestimate the expense of appropriate clothing. You should not skimp on this, because with the right clothing you can avoid serious injury.

A suit alone costs between €600 and €1,000. In total, you are already approaching €2,000. Depending on the insurer's requirements, the cost of good locks can run into tens or even hundreds of euros.

Tips to save costs on your motorcycle insurance

Will you never ride in the winter anyway? Then choose motorcycle insurance with a winter break. Do you already have your motorcycle insured? Probably you can get cheaper. The only way to find out is to compare. At Alpina.nl you not only choose the motorcycle insurance at the lowest cost, you also choose the motorcycle insurance with the widest coverage. With claim-free years, you can reduce the premium even further. These can also be accumulated with a car, for example. By using claim-free years, you can take a big bite out of the cost.

 

The cheapest third-party liability insurance policies in 2026

(*Premium based on a fictional person: male, 40 years old from Amsterdam with 15 claim-free years. Calculated in March 2026)
Insurer Coverage Price per month Own risk
Nationale Nederlanden WA €8,35 n/a
Unigarant WA €10,75 n/a
Avéro Achmea WA €13,22 n/a
Allianz Direct WA €23,35 n/a

The cheapest third-party liability + limited comprehensive insurance policies in 2026

(*Premium based on a fictional person: male, 40 years old from Amsterdam with 15 claim-free years. Calculated in March 2026)
Insurer Coverage Price per month Own risk
a.s.r. WA+ limited comprehensive insurance €11,03 €500
Nationale Nederlanden WA+ limited comprehensive insurance €14,35 €150
Avéro Achmea WA+ limited comprehensive insurance €28,09 €300
Allianz Direct WA+ limited comprehensive insurance €40,04 €750

The cheapest comprehensive insurance policies in 2026

(*Premium based on a fictional person: male, 40 years old from Amsterdam with 15 claim-free years. Calculated in March 2026)
Insurer Coverage Price per month Own risk
Nationale Nederlanden All Risk €36,47 €1000
a.s.r. All Risk €48,36 €500
Avéro Achmea All Risk €49,93 €300
Allianz Direct All Risk €75,41 €750

Additional coverage

Accidental occupants

from 1 .87 per month

Passenger injury

from 5 .41 per month

Legal Aid

from 7 ,10 p/month

Calculate your motorcycle insurance premium right away!

To calculate premiums, we need the zip code of the primary driver. For private use, the youngest driver must reside at the same address as the applicant. In case of business use, you can enter the postal code of the company here.
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