Factors that determine the amount of premium for motorcycle insurance
Motorcycling is wonderful. Many people ride motorcycles for fun, but of course it is also convenient. A motorcycle allows you to be more maneuverable in traffic. Of course, there is an insurance requirement when riding a motorcycle (on public roads). But what does motorcycle insurance cost? And exactly what factors does the insurer take into account? Be sure to read along with this article from Alpina!
What does the insurer take into account when determining the premium for motor insurance?
Insuring your motorbike is therefore mandatory (at least WA insurance). The WA-coverage is the lowest coverage, where you are only covered for damages you cause to other road users. Naturally, the premium for this insurance is also lower than when you choose limited casco or even all-risk. In addition, insurers always pay attention to your age. Does someone get his motorbike driving licence at the age of 18 and does he immediately buy a motorbike? Then the premium is a lot higher than when this person is older than 24. The insurer also looks at the length of time you have had your motorbike driving licence. There are also other things that are taken into account, but these can differ per insurer and insurance company.
Third-party liability (mandatory)
- Free recovery service
- Damage to others
- Theft and fire damage
- Damage to own engine
WA Limited Casco
- Free recovery service
- Damage to others
- Theft and fire damage
- Damage to own engine
WA Full Casco (All-Risk)
- Free recovery service
- Damage to others
- Theft and fire damage
- Damage to own engine
Always be honest when applying for motorbike insurance
Are you applying for the motor insurance? Then always make sure that you fill in the correct data. Transparency with regard to claim-free years, for example, is very important. Are you considering insuring the motorbike of a child in your name for a better premium? Make sure you clearly indicate that the child is the regular driver of the motorbike.
Build up claim-free years with your motorbike insurance?
With a motorbike insurance, just as with a car insurance, you also build up claim-free years. Every year that you do not make a claim, you build up an extra year. Here we explicitly speak of 'not claiming any damage'. It may well be that you have suffered damage, but that this was minimal and private settlement was more advantageous. Ultimately, with every extra year without claim, you can count on discounts (lower premium).
Policy conditions differ between insurers for motorbike insurance
It is always good to do some research when taking out motorbike insurance. Because although the WA-coverage is the same everywhere, insurers can make more demands with higher coverages (limited casco/all-risk). For example, motorbikes and certainly expensive motor scooters often require you to use a certain lock. This is the case with all-risk insurance, where the risk of theft is also insured. So always read the conditions carefully and make sure that you are not in for any surprises!
Get affordable motorcycle insurance through Alpina
Do you want to get good and appropriate motorcycle insurance through a reliable insurance specialist? At Alpina, we offer affordable premiums as well as good coverage. Calculate your motorcycle insurance premium or contact us! If you have any questions, we are always happy to help. Our people will advise you from A to Z when it comes to motorcycle insurance and more. After all, customer focus is high on the list at Alpina.
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