Third-party liability
- Damage to others
- No cover for theft
- Suits an old R or K series
BMW motorcycle insurance
A BMW GS or RT is valuable, popular with thieves and, because of the protruding boxer cylinders and electronics, expensive to repair after a fall.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands · Deutsch
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
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
Which details do we ask for?
Personal quote request. A no-obligation request: nothing is taken out automatically. After sending you receive a reference number and a confirmation by e-mail.
- First and last name (required)
- Date of birth (required)
- E-mail address (required)
- Phone number (required)
- Postcode (required)
- House number (required)
- Suffix
- Address check
- Would you like to include any other insurance? (required)
Additional questions follow per chosen insurance.
- Household composition (required)
- Occupation or activities (required)
- Preferred start date
- Already insured?
- Is there anything we should know? (required)
- Comments
- Have you, or anyone else with an interest in this insurance, been in contact with the police or judicial authorities in the past 8 years? (required)
- Has an insurance policy ever been cancelled, refused or terminated due to fraud, or are you registered in the incident register? (required)
- I agree to the privacy statement, declare that the information is correct and complete to the best of my knowledge, and understand that this quote request does not yet provide insurance cover. (required)
Additional questions follow per chosen insurance.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
In the Netherlands, BMW Motorrad is best known for the GS family: the R 1250 GS and, since late 2023, the R 1300 GS, the Adventure variants and the lighter F 800 GS and F 900 GS. Many touring riders also ride an R 1250 RT or K 1600, and sporty riders an S 1000 R or S 1000 RR. New prices for the large models are often well above twenty thousand euros, and used examples also hold their value well. That makes the premium for limited comprehensive and comprehensive cover relatively high.
Repairs after a fall are often costly on a BMW. On the boxer models the cylinders protrude on both sides, so the valve covers are easily hit when the bike tips over. Modern models also have a lot of electronics: cornering ABS, riding modes, adaptive lighting and, on newer GS and RT models, radar-controlled cruise control with sensors front and rear. After damage, those sensors must be checked or calibrated.
Many BMWs have Keyless Ride, which lets you start the motorcycle with a key fob in your pocket. Insurers therefore sometimes ask about additional security. For your BMW, we compare which insurer offers the best conditions for value, accessories and theft.
Independent, personal, sorted quickly
We compare your motorcycle insurance across dozens of insurers, explain where the real differences lie, and arrange the switch from start to finish — without you having to chase it yourself.
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What does BMW motorcycle insurance cover?
Which cover suits your BMW depends on the model, its age and whether you have a lot of accessories such as panniers and crash bars.
Third-party, fire and theft
Protects your BMW against theft and external damage, important for a sought-after model such as the GS.
- Theft, including panniers and parts
- Fire, storm and hail
- Lock or alarm requirements
Comprehensive
Also pays for your own damage after a fall or tip-over, which quickly adds up with protruding cylinders and costly electronics.
- Valve covers and cylinder protection
- Calibration of radar sensors
- New-for-old value in the first years
What is covered
| Situation | Third-party liability | Third-party, fire and theft | Comprehensive |
|---|---|---|---|
| Damage to the other party | Yes | Yes | Yes |
| Theft of the motorcycle | No | Yes | Yes |
| Falling with no other party involved | No | No | Yes |
| Damage while in storage | No | Sometimes | Yes |
| Helmet and motorcycle clothing | No | Sometimes | Sometimes |
| Driving without a valid licence | No | No | No |
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
What does your premium depend on?
- List price including factory options. The options list counts in the basis. A version with packages weighs more heavily than the base model.
- Engine capacity and power. Heavy touring and travel models fall into a higher class than a middleweight of the same value.
- Annual mileage. Touring riders cover more kilometres per season than average. That is a separate band.
- Area of cover. If you make regular trips outside the standard green card countries, that is assessed separately.
- Storage and security. A locked garage, an approved lock or a tracker mainly affect the theft element.
- Age and no-claims years. Demonstrable no-claims years from Roy-data reduce the premium. An entry step costs more.
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.
Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
9.5New policy
9.8Claims handling
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.
Where things go wrong in practice
Situations that occur specifically with BMW motorcycles.
Tipping over with a fully loaded GS
A fully loaded R 1300 GS Adventure with panniers and a full tank weighs well over 270 kilograms. While turning on an unpaved track, the motorcycle falls over. The valve cover, a pannier and the hand guard are damaged. Only comprehensive cover (allrisk) pays for this own damage. Genuine BMW crash bars limit the damage but, given their high value, exceed the standard accessories limit of many policies. So declare them separately.
Keyless Ride and theft
With Keyless Ride, the motorcycle unlocks and starts as soon as the key fob is within range. If the key is kept at home right by the front door and the motorcycle is parked outside, there is in theory a risk of relay attacks, as with cars. So keep the key away from the motorcycle or in a shielding pouch. For higher values, an insurer may require a certified alarm or tracking system. BMW offers a factory-fitted alarm system.
Radar sensors after a minor fall
Newer GS and RT models can be fitted with adaptive cruise control and blind-spot warning, which use radar sensors front and rear. If you hit the front or the rear light in a fall, the system must be checked by the dealer and calibrated if necessary. That increases the cost of the claim, even if the visible damage seems limited. Under comprehensive cover this is usually included, but check the excess.
Accessories and BMW panniers
Aluminium panniers, a top box, extra lighting, a navigation system and a comfort seat can together cost thousands of euros on a BMW. Many insurers cover accessories up to a fixed amount. If the motorcycle or just the panniers are stolen, the insurer will then pay no more than that limit. Make a list with invoices and ask whether the accessories can be insured at their actual value.
Frequently asked questions
Questions BMW riders ask us about their motorcycle insurance.
Is a BMW GS more expensive to insure than other motorcycles?
Often yes for limited comprehensive and comprehensive cover, because the new price is high, the motorcycle holds its value well and repairs after a fall are expensive. Its popularity with thieves also plays a part. The third-party liability (WA) premium depends more on your age, where you live and your no-claims years (schadevrije jaren). Each insurer sets the difference from other brands itself; we request quotes for your specific model.
Do I need to tell the insurer about my BMW alarm?
Yes, always report an alarm or tracking system. With some insurers a certified system earns a discount; with others it is even a condition for theft cover above a certain value. BMW's factory-fitted alarm is not automatically recognised by every insurer. Ask which certification is required and keep the proof.
Is BMW breakdown assistance part of my motorcycle insurance?
BMW Motorrad often provides its own mobility service with new motorcycles for a certain period. That is separate from your insurance. Once that service expires, or if you ride an older BMW, you can arrange breakdown assistance through your insurance or a breakdown organisation. Check whether the cover applies throughout Europe, as many GS riders make long trips.
How long does a new-for-old arrangement apply to my BMW?
That varies by insurer. Some pay the new value in the event of a total loss or theft in the first year, others for up to two or three years, often with monthly depreciation after the first year. For a BMW that holds its value well, the market value can still be high after a few years. Compare the arrangements, because the difference can run into thousands of euros.
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Ready to compare?
Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
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.
This page was compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.