Compare Motorcycle Insurance

When you want to purchase insurance, a number of factors play a role in determining the cost of your motorcycle insurance. These include your chosen coverage, age, number of claim-free years, and ZIP code. If you purchase additional coverage, this will also affect the amount of your insurance premium.

To find out how much motorcycle insurance will cost you, we recommend using the calculator.

The theft requirements for motorcycle insurance vary by insurance company. You can find these requirements in the policy terms and conditions that apply to your motorcycle insurance. The theft requirements apply only to limited comprehensive and comprehensive (all-risk) coverage.

ART Category 4-approved lock

All insurance companies require, at a minimum, anART Category 4-approved lock.

With some insurance companies, you can save on your motorcycle insurance premium by opting for “winter hiatus” coverage. Under this coverage, damage caused by riding the motorcycle is not covered during the winter. This period typically runs from December 15 to March 1. However, damage caused by fire or theft from the garage is still covered.

Will your motorcycle be stored indoors all winter? If so, you can choose a motorcycle insurance policy that includes winter storage coverage. If you ride your motorcycle year-round, winter storage coverage isn’t necessary. You can indicate whether you’d like to include this coverage when requesting a quote.

Read more aboutwinter break coverage here.

There are a number of requirements for motorcycle insurance, but motorcycle gear is not required. The primary purpose of motorcycle gear is to protect the rider from injuries caused by a fall.

But the clothing is also designed for comfort. The wind can’t get a grip on the material, so the motorcycle gear doesn’t flap around like a flag in the wind. The clothing also ensures good visibility.

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

A slip on a motorcycle can quickly lead to serious injury—even at low speeds. Even if you’re wearing motorcycle gear, you’ll likely still sustain injuries in a major slip, but the right gear can help minimize the consequences.

In the Netherlands, it is mandatory to insure every motor vehicle that is driven on the road. Therefore, taking out motorcycle insurance is required. But why is that? Accidents can happen at any moment, and they can result in property damage or personal injury. These costs can quickly add up.

With insurance, you’re at least covered for any damage you cause to someone else. If someone else causes damage to you, it’s covered by the other party’s insurance. In addition to being mandatory, good liability insurance can give you peace of mind.

As soon as you register a license plate in your name, you are required to have insurance. You are also in violation of the law if you drive without motorcycle insurance. This can have serious financial consequences. In addition to the police, the RDW can also impose a fine.

There are four major drawbacks to driving without insurance:

1. The RDW may impose a fine of €400 (they may do so three times a year);
2. You risk a €550 fine from the police if you are stopped;
3. You're responsible for paying for any damage you cause while driving;
4. If you drive without insurance for too long, only expensive insurers will accept your application. That's reason enough not to drive without insurance, but to find a good insurance policy.

Many young people consider taking out motorcycle insurance in their parents’ names. That might seem appealing, but it’s a risky choice. If you take out insurance, you must also be the one held responsible. The registered owner of the vehicle is always the person required to carry insurance.

If you fail to disclose who the actual, regular driver is, you are committing insurance fraud. The consequences can be severe: the insurer may refuse to pay for damages, which could amount to hundreds of thousands.

Therefore, always be honest and transparent when taking out insurance. This will help you avoid problems and ensure that you are properly insured.