a.s.r. · compared independently · advice from Finass
Motorcycle insurance through ASR
A motorcycle is ridden for only part of the year, often comes off without any other party being involved, and can be in the back of a van within minutes.
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.
Enter your details; you will receive a proposal within one working day.
We compare the offerings of several insurers
An adviser checks whether the cover suits your situation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
The single-vehicle fall is the type of loss that defines a motorcycle policy. Gravel on a bend, wet road markings or low speed while parking up: there is no other party and third-party liability cover pays nothing towards your own machine. Only own-damage cover does that. On a motorcycle with fairings, the cost of fairing panels, mirrors, levers and exhaust mounts up quickly after a low-speed fall.
Motorcycle clothing, helmet, boots and gloves are not automatically covered by the policy. There is a separate section for those, which usually pays out only where there is insured accident damage to the motorcycle at the same time. Wear and tear of clothing, or a helmet that fell off the mirror, stays outside that cover. The same applies to panniers, a satnav mount and a modified exhaust, unless they have been declared as accessories.
Out of season you can suspend the registration. The obligation under Article 2 of the Dutch Motor Insurance Liability Act (WAM) then lapses, but so does cover for use on the road. If you want fire and theft cover to continue while the machine is in storage, agree that expressly. If you also ride a lighter vehicle, see moped insurance through ASR.
The structure of the cover in three parts, with an overview per situation below.
Third-party liability insurance
Third-party liability insurance is compulsory by law and covers damage you cause to others with your motorcycle, not damage to your own motorcycle.
Damage to other vehicles
Injury to third parties
Damage to buildings and objects
Damage caused by passengers
Third-party liability + fire and theft
Alongside third-party liability cover, protection against damage to your own car from external causes you cannot prevent.
Fire and storm damage
Theft and burglary
Windscreen breakage and glass damage
Collision with animals
Comprehensive insurance
The most complete cover, including for damage you cause yourself, theft and total loss. We compare ASR's comprehensive version with the market.
Hail damage
Damage through your own fault
Vandalism
Unknown party at fault
What is covered
What we do
At Finass
Direct with Ansvar
Comparison across several insurers
Yes
No
Advice based on your own situation
Yes
Provided it is declared
One point of contact for claims
Yes
Provided it is declared
Cancellation with your current insurer arranged
Yes
No
We determine whether Ansvar is the best choice
Yes
No
Advice fees for you as a customer
No
No
What we do
What we do
At Finass
Direct with a.s.r.
Comparison across several insurers
Yes
No
Advice based on your own situation
Yes
Sometimes
One point of contact for claims
Yes
Sometimes
Cancellation with your current insurer arranged
Yes
No
We determine whether a.s.r. is the best choice
Yes
No
Advice fees for you as a customer
No
No
This overview concerns our service, not the cover. What is actually covered is set out in the policy conditions and on the insurer's insurance card (verzekeringskaart); you receive both before you take out cover.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
The fall with no other party involved
With motorcycle damage there is often no liable third party. Third-party liability cover is then worthless for your own repairs: fairing panels, tank, exhaust, brake levers and footrests are for your own account without own-damage cover. Weigh that against the market value of the machine. On a recent bike with a lot of bodywork, comprehensive cover often pays for itself; on an older tourer with little fairing, the balance can fall the other way.
Clothing, helmet and luggage
The section for motorcycle equipment usually pays out only where there is covered accident damage to the machine at the same time, and has a limit of its own. A helmet that has to be replaced after a fall falls under it. A helmet that fell out of a cupboard does not. Keep the receipts for your suit, helmet and gloves, because payment is often made on a market value basis with an annual depreciation.
Theft, lock and storage
Insurers require a certified lock and, increasingly, that the machine is secured to a fixed point or kept in a locked space. On more expensive bikes a tracking system with a subscription is added. The requirement appears in the clauses and applies on the road too, for example at an overnight hotel stop. If the subscription for the tracking system expires, theft cover lapses wherever that system is a condition.
What is not covered
Outside the cover remain: track days, training on a closed circuit and timed runs; use for motorcycle instruction or hire; damage arising during maintenance work, dismantling or a test ride with an unapproved modification; motorcycle clothing without simultaneous accident damage to the machine; wear of tyres, brake pads and chain; and undeclared accessories such as panniers, exhaust or satnav.
Replacement transport after a claim
Replacement transport after a claim Stay mobile with replacement transport.
Breakdown assistance
What does your premium depend on?
Engine capacity and power. A light tourer and a heavy sports bike fall into different risk classes.
Value and accessories. The sum insured for the machine plus declared panniers, exhaust, fairings and satnav.
Age and length of time holding a licence. How long you have held the motorcycle licence and how much experience you have with this class.
No-claims years. The registered years without a paid claim also determine the step on the scale under a motorcycle policy.
Storage and security. Garage, shed or street, plus the certified lock and any tracking system.
Seasonal use and mileage. Whether you ride all year round or suspend the registration in winter, and how many kilometres you cover.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
You request a quoteWe take stock of your situation, your risk and your wishes.
We compareseveral insurers, on premium as well as conditions.
You receive a proposalWith an explanation of the differences and the exclusions.
We arrange the switchIncluding cancellation, so there is no gap in cover.
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Can I suspend the registration of my motorcycle in winter?
Yes, a registered motorcycle can be suspended. The obligation under Article 2 of the Dutch Motor Insurance Liability Act (WAM) then lapses and you may no longer use the road. Cover for use on the road lapses with it. If you want fire, theft and storm damage cover to continue while the machine is in storage, that has to be stated expressly on the policy.
Is my motorcycle clothing covered?
Only through a separate section, and usually only where there is covered accident damage to the machine at the same time. A limit of its own applies and often an annual depreciation based on the date of purchase. So keep the receipts for your suit, helmet, gloves and boots; without evidence the payment is lower.
Am I insured on a track day?
No. Use on a circuit, training on a closed track and timed runs are excluded as standard, even where it is an instruction day with no competitive element. Separate one-day covers exist for such days, which you take out in advance. Arrange that before the day itself, because reporting it afterwards does not help.
What security does the insurer require?
Usually a certified lock, and on more expensive machines a tracking system with a current subscription. Increasingly there is also a requirement that the machine be secured to a fixed point or kept in a locked space. That requirement applies on the road as well. If the subscription for your tracking system lapses, the associated theft cover lapses with it.
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
