Third-party liability
- Required by law
- Also when not in use
- Registration in your name
BMW motorcycle insurance
On a BMW a large part of the value lies in factory options, add-on parts and electronics that do not appear on the policy automatically.
- 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
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
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
A BMW tourer rarely leaves the factory bare. Adaptive suspension, riding modes, a large display, pannier sets and a touring screen are ordered individually and come back individually on the estimate when a claim is made. What you state on the application as the list price including options therefore directly determines what is paid on theft or a total loss.
The second feature of this segment is the use: long distances, multi-day trips and luggage on the back. That affects the area of cover and the question of whether roadside assistance is included. Own-damage cover and breakdown assistance are two different things; one repairs, the other collects you and the machine.
What is not included: wear and inherent mechanical defects, damage during rides off the public road, and maintenance that has been deferred. So compare not only the premium but the how motorcycle insurance is structured themselves.
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?
The structure of the cover in three parts, with an overview per situation below.
Third-party, fire and theft
Fixed causes that are beyond your control.
- Fire and storm
- Theft
- Collision with an animal
Comprehensive
Including damage you cause yourself.
- Falling and skidding
- Vandalism
- Replacement-as-new period
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
Four points that make the difference between a policy that pays out and one that does not.
Factory options and accessories belong on the policy separately
Pannier sets, a top box, touring screen, heated grips, a satnav mount and crash bars soon add up, but are not included in the standard list price of the model. If you do not declare them, only the bare machine is paid for on theft or a total loss. Report them on the application with their purchase value and keep the dealer invoices, even where the parts were supplied from the factory.
Electronics make repairs expensive and a total loss close at hand
A low-speed fall in a parking bay on this type of machine rarely costs just a mirror. Semi-active damping, sensors, handlebar switchgear and a large instrument display are in the impact zone and are replaced as complete units, not repaired. That makes the repair estimate exceed the market value sooner and a total loss follows. So ask in advance what purchase price or replacement-as-new period the insurer applies and how depreciation works after that.
Boxer, shaft drive and the damage nobody sees
When a boxer falls over, the protruding cylinder heads hit the ground and the impact carries through to the drivetrain. Damage to the shaft, gearbox or final drive often only comes to light on dismantling and is calculated afterwards by a loss adjuster. A fall with no other party involved is covered only under comprehensive. An inherent mechanical defect without an accident, such as a final drive leaking through wear, falls outside every own-damage cover.
Touring trips abroad and riding off the road
The third-party liability obligation of Article 2 of the Dutch Motor Insurance Liability Act (WAM) applies with the Dutch registration. For trips outside the EU countries on the green card the territorial limits have to match. More important is what the own-damage policy does not do: repatriation of machine and rider is not part of the cover. Rides on an off-road training ground or over unpaved routes off the public road are excluded under virtually every policy, even with a touring model.
Frequently asked questions
This is what people ask us most.
Are panniers and satnav included as standard?
No. The list price of the base model is the basis; pannier sets, top box, touring screen and a fixed satnav system have to be declared with their purchase value. If you do not, they stay outside the settlement on theft and total loss. Also ask about the maximum that applies to accessories per event, because that amount is almost always capped.
What happens to the electronics after a fall?
The loss adjuster estimates the replacement of damaged modules, sensors and the display. Those parts are replaced complete. That makes the estimate rise quickly after an apparently light fall, and the machine can be declared a total loss while it still rides. Under third-party, fire and theft, incidentally, a fall with no other party involved is not covered at all; you need comprehensive for that.
Am I covered on a multi-day touring trip through Europe?
Third-party liability cover applies in the countries ticked on the green card. If you ride beyond them, report it in advance. Note as well that own-damage cover is not assistance: recovery, replacement transport and returning the machine are part of separate breakdown cover that you take out separately or arrange through travel cover.
Is riding off the paved road covered?
No, not even on a model built for it. Rides on an off-road site, during a training day or over routes off the public road fall under the standard exclusion for off-road use. If you want to ride such a day, ask in advance about separate one-day cover; without that agreement you bear the damage to your own machine yourself.
Every situation is different. For these situations we have a separate page.
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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. Last updated on .
The information on this page is general in nature and is not personal advice.