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.
What does motorbike insurance cost and what factors influence the cost?
The monthly costs for motorbike insurance depend on many factors. These factors differ for each motorbike and each person. For a certain motorbike brand, the costs may also depend on the type and new value of the motorbike. For a vintage motorbike, another value may play an important role, namely the appraised value. The age of the regular driver also strongly influences the cost of motorbike insurance. Also the number of kilometres you drive per year, your postal code and additional insurances are important factors determining the premium.
But the amount of the premium for the motor insurance depends mainly on the desired coverage. You have the following options:
Do you only use your motorbike in the summer? Lower costs for your motorbike insurance
Are you a fair-weather rider? In that case, you can save on the cost of the motor insurance. If you do not ride your motorbike in the period between December 1st and March 1st, you can omit the winter coverage from the motor insurance. The insurer is happy with this, because with winter conditions the chance of an accident is higher compared to the more summery period. The insurer will reward this lower risk with lower motorbike insurance costs. An effective way to save money.
What other costs are involved in having a motorbike?
We can help you save on the cost of motor insurance, but of course there are more costs. Motorbike taxes are between €29 and €31 per 3 months. Depending on how intensively you use the motorbike, the costs of maintenance for a reasonably new motorbike will be around €300 per year. For older bikes, the costs will be higher, if not much higher. Do not underestimate the expense of suitable clothing. You should not skimp on this, because the right clothing can prevent serious injury.
A suit alone will cost between €600 and €1,000. In total, you are already approaching €2,000. Depending on the requirements of the insurer, the cost of good locks can run into tens or even hundreds of euros.
Tips on saving money on your motorbike 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.
What does third-party motor insurance cost?
In order to give you an impression of the level of the costs of the third-party motor insurance, we have calculated the costs for two very different situations. The starting points and the results are as follows:
| Brand and type of engine | Honda CBF 600S | Kawasaki Z900 ABS |
|---|---|---|
| Year built | 2005 | 2017 |
| New value | €8.300 | €9.600 |
| Daily value | €1.000 | €6.700 |
| Age of driver | 40 | 40 |
| Accumulated claim-free years | 13 | 0 |
| Cheapest third-party insurance | €2.49 p/month* | €6.93 p/month* |
What does WA + limited hull motor insurance cost?
Compared to third-party insurance, it offers more comprehensive cover. For example, damage caused by theft is also insured. You can get the broader coverage for a slightly higher premium. For this type of insurance, we have again compared two motorbikes. You can also see which motorbike insurance is the least expensive.
| Brand and type of engine | Honda CBF600S | Kawasaki Z900 ABS |
|---|---|---|
| Year built | 2005 | 2017 |
| New value | €8.300 | €9.600 |
| Daily value | €1.000 | €6.700 |
| Age of driver | 40 | 40 |
| Accumulated claim-free years | 13 | 0 |
| Cheapest third-party insurance | €4.23 p/month* | €20.28 p/month* |
| At insurer | De Goudse | Allianz |
What does all-risk motor insurance cost?
The all-risk motor insurance (WA + full hull) is the policy with the broadest cover. In addition to payment in the event of theft, you will also be compensated for damage caused by your liability. This type of insurance is mainly chosen for new motorbikes and for older motorbikes with a high value. Below is an overview of the premium differences.
| Brand and type of engine | Honda CBF 600S | Kawasaki Z900 ABS |
|---|---|---|
| Year built | 2005 | 2017 |
| New value | €8.300 | €9.600 |
| Daily value | €1.100 | €6.700 |
| Age of driver | 40 | 40 |
| Accumulated claim-free years | 13 | 0 |
| Cheapest third-party insurance | €14.68 p/month* | €72.60 p/month* |
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