Third-party liability
- Required by law
- Also when not in use
- Registration in your name
Business motorcycle insurance
As soon as a motorcycle is used for work, the question shifts from own damage to liability: who is riding, on whose instructions, and who bears the injury.
- 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
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 activities
- 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
On a business policy the declared use is the pivot. Private, commuting, business travel and delivery are four different classes each with its own rate. If the machine is in fact carrying parcels or meals around while private use appears on the policy, the actual risk departs from the declaration and the insurer can rely on Articles 7:928 and 7:930 of the Dutch Civil Code.
If the machine is registered to the business and staff ride it, a second layer is added. For damage an employee causes to third parties, the employer is liable under Article 6:170 of the Dutch Civil Code. For injury to the employee himself, the duty of care in Article 7:658 DCC and the good employer standard of Article 7:611 DCC apply.
Not covered on the motorcycle policy: goods and tools carried, damage during hire or riding lessons, and damage caused by a rider without valid entitlement. See also the general motorcycle insurance.
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 business 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?
- Class of use. Commuting, business travel or delivery. On a business policy this is the heaviest factor.
- Number and age of the drivers. An open rider clause weighs more heavily than a policy with one named rider.
- Annual business mileage. Kilometres covered on instructions count differently from recreational kilometres at the weekend.
- Value excluding or including VAT. Businesses registered for VAT usually insure exclusive of VAT. That makes a difference to the basis.
- Sector and area of operation. Urban delivery traffic is assessed differently from a field service making regional trips.
- The company's claims history. With a business policy, the claims record of the business counts, not your private history.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your activities, turnover and 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.
Delivery is a risk class of its own
A machine that stops, pulls away and double-parks in city traffic every day has a different pattern of loss from a commuting machine. Meal and parcel delivery therefore form a separate class with their own rates and sometimes their own underwriting policy. If you ride on a policy with private use, that is a ground for refusal when a claim is made. Also report temporary use, for example during a peak period, because that changes the risk just as much.
Injury to your employee: Articles 7:658 and 7:611 DCC
If an employee rides in the course of the work, you bear the duty of care in Article 7:658 of the Dutch Civil Code and, for taking part in traffic, the standard in Article 7:611 DCC that you arrange proper insurance. The third-party liability cover on the motorcycle policy pays third parties only, so the rider's own loss falls outside it. An indemnity policy for occupants is needed for that.
Damage caused by a subordinate lands with the business
If an employee causes a collision with the company machine, the business is liable under Article 6:170 of the Dutch Civil Code. Recovery from the employee is virtually impossible: Article 7:661 DCC allows it only in cases of intent or deliberate recklessness. Beyond that, the insurer recovers nothing from you as long as the declaration is correct, but it does where the rider held no valid licence. The injured party then remains protected through Article 2 of the Dutch Motor Insurance Liability Act (WAM).
A machine owned by the business: VAT, riders and no-claims years
On a business policy there is the question of whether the sum insured is taken with or without VAT. If you are registered for VAT, settlement is usually exclusive of it. Also record who may ride, because an open rider clause costs more than a named group. Finally, note that no-claims years on a business policy do not automatically transfer to a private policy when the business closes.
Frequently asked questions
This is what people ask us most.
Does business use have to appear on the policy?
Yes. The use declared determines the premium and the underwriting, and a difference between declaration and reality gives the insurer room under Article 7:930 of the Dutch Civil Code to reduce the payment. That applies to temporary business use as well. Report the change in writing and ask for confirmation on the policy schedule, so that no argument arises afterwards.
Who is liable if my employee causes a collision?
The business, under Article 6:170 of the Dutch Civil Code for the acts of subordinates. The third-party liability cover on the motorcycle policy settles the other party's loss. Recovery from the employee himself is virtually ruled out: Article 7:661 DCC allows it only in cases of intent or deliberate recklessness, and that threshold is rarely met.
Is my employee's own loss covered?
Not under the third-party liability cover, because that pays third parties only. For injury and property damage to the rider himself, an indemnity policy for occupants is needed. For employers that is more than a choice: Article 7:611 DCC requires you to arrange proper insurance for employees who take part in traffic in the course of their work.
Can I use business no-claims years privately later on?
Not automatically. No-claims years built up in a business's name are registered against the legal entity, not against you as an individual. On the business closing or a move to private use, one insurer will take them over and another will not. Ask about it in advance and have the undertaking recorded in writing before you end the policy.
Every situation is different. For these situations we have a separate page.
- Compare motorcycle insuranceThe main page
- Several motorcycles: no-claims years and shared storageOne policy, no-claims years, use
- KTM motorcycle insuranceSports machines, premium class, off-road use
- Honda motorcycle insuranceModel variation, theft, security
- BMW motorcycle insuranceList price, tourers, accessories
- Insuring a motorcycle registered to the companyGroup of riders, employers' liability, cancellation statement
- Insuring a motorcycle for business use: purpose of use and securityUse, delivery, riders
- Business motorcycle insuranceRegistered keeper, changing riders, employer's risk
Read more
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.