Business Motorcycle insurance
If the machine is registered in the company's name, more changes than the registered keeper. Changing riders, business trips and staff on two wheels engage different policy provisions from a privately owned machine.
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In brief
A company motorcycle is rarely ridden by one person. Couriers, valuers, service engineers and directors use it in turn, and it is precisely that alternation that clashes with the usual policy provision about the regular driver. Some insurers accept registration to the business only with a fixed rider on the policy schedule; others offer a clause for several riders, usually with a minimum age and a requirement about how long the licence has been held. Set this out in advance, because otherwise it only surfaces when a claim is made.
The duty to insure is the same as in private use: Article 2 of the Dutch Engine Insurance Liability Act (WAM) requires third-party Liability cover for as long as the registration is live. The difference lies in the build-up of no-claims years. They are built up in the name or the legal entity and, on the business closing, cannot in general be transferred to a private policy. If you ride privately now and put the machine on the business later, have it recorded in writing what happens to the discount built up.
If the machine is used by staff, a second risk runs alongside that is not on the motorcycle policy. Injury to an employee involved in an accident during working hours does not fall under your company's Liability insurance and not under the third-party Liability part of the machine's own policy. There is separate cover for that. The difference between the forms is set out under WEGAS and WEGAM. The general business cover is under public and employers' Liability insurance.
This page deals with one situation. The full overview is on Compare Bicycle insurance.
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Points that are different with business use
Four provisions that lead to argument on a business motorcycle policy more often than the Premium does.
Delivery and carriage for hire or reward
If the machine is used for delivery runs, courier work or other carriage for payment, that is a separate capacity. Virtually every standard policy excludes professional delivery Traffic, because the claims experience there is fundamentally different. Report the use on the application; concealment falls under the duty or disclosure in Article 7:928 or the Dutch Civil Code and can lead to refusal or payment under Article 7:930 DCC.
Loads and tools do not come along
Tools in the panniers, samples, equipment or a client's documents are not part of the Engine vehicle and fall outside the own-damage cover. For theft or damage to those you need a goods or Transportation cover, or business contents cover that extends beyond the business premises. A client's equipment that you carry moreover falls under the care, custody and control exclusion of the public and employers' Liability insurance.
Checking the rider's entitlement
As employer you are the one making the vehicle available. If a member of staff rides without a valid licence of the correct category, while disqualified or under the influence, own-damage cover lapses and the third-party Liability insurer recovers the amount paid. Record that you check the licence periodically and include a rules or use in the terms or employment.
Private use and commuting
If the rider may also use the machine privately, that should appear on the policy schedule. A policy covering business use only gives no cover at weekends. The reverse also applies: a private policy used for business has the same problem. A watertight log or journeys prevents not only tax argument but also uncertainty about the question or cover.
What does your Premium depend on?
- Registered keeper and legal form: sole trader, general partnership or private limited company
- Group or riders: one fixed rider or a changing group
- Nature or use: representational, service or delivery
- Engine capacity and list price: decisive for the own-damage element
- Claims record or the fleet: with several vehicles the total counts
- Kept on the company site: security and lockability count in a Theft
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | Third-party Liability + fire and theft | Comprehensive |
|---|---|---|
| Your service engineer hits a parked CAR on the way to a breakdown | Yes | Yes |
| The machine falls over on the business site because the stand sinks into the gravel | No | Yes |
| The machine is stolen from the locked company warehouse | Yes | Yes |
| A hailstorm damages the fairing panels while the machine is parked outside the premises | Yes | Yes |
| The rider's motorcycle clothing and helmet are damaged in a fall | No | Provided that |
| A speeding fine the rider incurs during working hours | No | No |
Own-damage cover stands or falls on whether the rider met the clause at the time or the loss.
Frequently asked questions
This is what people ask us most.
May anyone in the company ride the machine?
Only if the policy allows it. Many companies apply a clause with a minimum age and a minimum number or years holding a category A licence. If a fixed regular rider appears on the policy schedule and someone else rides regularly, that is a different situation from the one declared on the application, with all the consequences for the settlement that follow.
Is injury to a member or staff on the machine covered?
Not on the motorcycle policy and in principle not on the public and employers' Liability insurance either, which usually excludes road use by the employer's own staff. An employer can nevertheless be liable for the loss of an employee who takes to the road for work. There are separate traffic covers for employers for that. Have it assessed which version suits your situation before anyone is on the road.
Can I take my private no-claims years across to the business?
Sometimes. A number of insurers accept a transfer from private use to your own company if you remain the regular rider. With a changing group of riders that almost never happens. Ask about it in writing in advance, because the difference in Premium mounts up and it cannot be put right once the policy has been set up on a new step.
Does the duty to insure also apply while the machine stands still?
Yes, as long as the registration has not been suspended. Article 2 of the Dutch Motor Insurance Liability Act (WAM) links the duty to the registered keeper and not to use. If the machine stands in the company warehouse for six months, suspend the registration with the RDW (the Dutch vehicle authority) and report it to the insurer. Fire and theft cover can then usually continue while the Liability part lapses temporarily.
Every situation is different. For these situations we have a separate page.
- Compare Motorcycle insuranceThe main page
- Insuring a motorcycle registered to the companyGroup of riders, employers' liability, Cancellation statement
- Insuring a self-employed professional's motorcycleBusiness use, your own injury, storage
- Business Motorcycle insuranceBusiness use, riders, delivery
- Insuring a motorcycle for business use: purpose or use and securityUse, delivery, riders
- Insuring your motorcycleThird-party Liability compulsory, own-damage cover, theft protection