Registered keeper · valuation · signwriting
Business motorcycle insurance through a.s.r.
A motorcycle registered in the company's name is valued and assessed differently from one owned privately. The discussion is about the valuation basis, the accessories and where the machine stands at night.
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Deze pagina in het Nederlands: Zakelijke motorverzekering via a.s.r..
The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert. nl or call 072 - 509 24 56 and we will take it from there.
Work out for yourself what it would cost.
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- We compare the offerings of several insurers
- An adviser checks whether the cover suits your activities
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
Finass Advies acts as an intermediary and compares the market objectively across several insurers. a.s.r. is one of the companies we approach where a motorcycle is owned by the business, often combined with the other motor vehicles and the liability cover of the same company. Which company it becomes follows from the cover required, not from the name. The general explanation of the forms of cover is on the page motorcycle insurance and the wider business set-up under the business motorcycle insurance.
The duty to insure does not change with the registered keeper: Article 2 of the Dutch Motor Insurance Liability Act (WAM) requires third-party liability cover for as long as the registration is live and has not been suspended. What does change is the valuation. A purchase price or replacement-as-new basis runs from the date the machine was first registered, not from the moment the business buys it. So if you transfer an existing private motorcycle to the business, that period does not start again and you fall back on market value.
With a business motorcycle there are moreover often items that do not arise privately: company signwriting, a pannier system, a satnav mount or extra lighting. They are insured only if they appear on the policy schedule, and usually within a separate accessories section with a limit of its own. Have the list included when the policy is taken out, because after a theft a dealer invoice is harder to reconstruct than a line on the policy is to add in advance.
This page deals with one situation. The full overview is on Compare motorcycle insurance.
What to look out for
Four provisions that work out differently from what is expected when the vehicle is registered to a business.
The valuation basis runs from first registration
A purchase price basis applies for a number of years from the date of first registration. If the business buys a demonstrator or a nearly new machine, part of that period has already run. For a machine with an unusual value, for example with a lot of added equipment, an an agreed value valuation by an expert is the only way to avoid argument afterwards; Article 7:960 of the Dutch Civil Code prevents you from ending up better off than you were before.
Record signwriting and accessories separately
Company advertising on the fairing is a cost item that is not automatically included in the settlement figure after a loss. The same applies to panniers, a top box, hand guards or a modified screen. Have them listed by name on the policy schedule with the purchase price alongside. Without that entry, the loss adjuster looks at the standard specification of the model.
Where the motorcycle stands at night
The theft clause sets requirements for storage and for the lock. On an industrial estate a motorcycle stands at night under a canopy or in a warehouse with a roller shutter more often than in a locked garage. Report the actual situation, including the type of an approved lock and whether the machine is chained to a fixed point. Storage that differs from what was stated and only comes to light after the theft costs you cover.
Use that falls outside the policy
Excluded as standard are hire and lease to third parties, carrying passengers or goods for payment and taking part in competitions and speed events, including training and track days. A test ride by a customer, too, is rarely covered by the ordinary policy. Set out on the application exactly what the machine is used for; under Articles 7:928 and 7:930 of the Dutch Civil Code an incorrect picture has consequences for the settlement.
What does your premium depend on?
- Engine capacity and power: the main measure for the third-party liability part
- Value including accessories: determines the own-damage premium and the payout ceiling
- Circle of drivers: one regular rider is cheaper than varying use
- Business mileage per year: visiting clients all year round weighs more heavily than seasonal use
- Storage and security: locked space, alarm and lock class
- No-claims years in the company's name: are registered to the legal entity
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | Third-party liability | Comprehensive |
|---|---|---|
| You take the mirror off a parked car while riding the company motorcycle | Yes | Yes |
| You slide off on a patch of oil and the fairing is damaged on one side | No | Yes |
| The motorcycle falls over in a client's car park and the clutch lever snaps off | No | Yes |
| Fire in the warehouse where the motorcycle is kept at night | No | Yes |
| Your own injury as rider in a single-vehicle accident with no other party involved | No | No |
| Theft of the motorcycle during a daytime client visit, parked outside the door | No | Provided that |
For injury to the rider, accident or occupant cover is needed, quite apart from the form of cover you choose here.
Frequently asked questions
This is what people ask us most.
I am transferring my private motorcycle to the business. Does the purchase price basis still apply?
The basis runs from the machine's first registration and not from the transfer, so you do not start again. If that period has expired, market value applies. For a machine with a lot of added equipment or an enthusiast's bike, an agreed valuation based on an expert's report is the better route, because it establishes in advance what will be paid on a total loss.
Is the company signwriting covered?
Only if it appears on the policy schedule. Advertising, vinyl and logos are treated as accessories and fall outside the standard cover for the machine itself. On an own-damage claim that means the fairing is repaired but having the signwriting reapplied is not. Report at inception what has been applied and at what cost.
May a customer take a test ride on our motorcycle?
Not as a matter of course. The policy names the group of people permitted to ride, and a third party you hand the key to usually does not fall within it. If you deal in motorcycles, garage or trade stock cover is the right solution; see garage insurance for motorcycle dealers for that. If someone rides without permission, the policy treats it as use without authority.
The motorcycle has been stolen from our business premises. What does the insurer ask for?
A police report, all original keys and evidence that the prescribed security was used. The insurer also checks whether the storage matches what was stated on the application. Report the theft immediately: Article 7:941 of the Dutch Civil Code obliges you to report a loss as soon as you are reasonably aware of it. A waiting period usually applies before payment is made.
Read more
Within Motorverzekering
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