Your Motorcycle Well Insured
Every motorcycle owner in the Netherlands is legally required to take out at least third party motorcycle insurance. This insurance covers damage you cause to others with your motorcycle. Without valid insurance you are not allowed to drive and you risk fines from the CJIB.
In addition to the mandatory third-party liability coverage, you can opt for: WA+ Limited Casco (also theft, fire and storm) or Allrisk Full Casco (including personal damage in the event of an accident). Which coverage is best for you depends on the value, age and use of your motorcycle.
At Finass Verzekert we compare motorcycle insurance policies from several insurers. This way you will find the best combination of premium, coverage and conditions for your engine. Accessories, helmet and motorcycle clothing are often insured.
Which Coverage Suits You?
Choose the coverage that suits the value and use of your motorcycle:
WA
From €10-€25/month
- ✓ Harm to others
- ✗ Motorcycle theft
- ✗ Fire & storm
- ✗ Own damage
Suitable for engines 10+ years
WA + Limited Casco
From €20-€50/month
- ✓ Harm to others
- ✓ Motorcycle theft
- ✓ Fire, storm, hail
- ✗ Own damage
Suitable for motorcycles 4-10 years
Allrisk Full Casco
From €40-€100/month
- ✓ Harm to others
- ✓ Motorcycle theft
- ✓ Fire, storm, hail
- ✓ Own damage
Suitable for new/expensive engines
Insure all types of motorcycles
We insure all motorcycle types and brands:
Naked / Roadster
MT-07, Z900, Monster, Street Triple
Sports bike
CBR, R1, Panigale, GSX-R, ZX-10R
Adventure / Allroad
GS, Tiger, Africa Twin, Multistrada
Touring
Gold Wing, K1600, FJR, Pan America
Cruiser/Custom
Harley Davidson, Indian, Vulcan
Retro/Classic
Bonneville, Scrambler, RE Classic
Electric
Zero, Energica, LiveWire, BMW CE
A2 / Beginner
CB500, Ninja 400, SV650, MT-03
🔒 Motorcycle theft & ART-Lock
In 2024 in the Netherlands 1,870 engines stolen. Insurers require one for theft coverage (WA+ or Allrisk). ART 4 or ART 5 certified lock. Without an approved lock you are not insured against theft!
Tip: Always secure your motorcycle to a lamppost, fence or wall/floor anchor. Combine a chain lock with a disc brake lock for optimal security. Keep the receipt for your lock.
💰 Premium indication Motor insurance 2025
Average monthly premium depending on coverage and engine type:
| Coverage | From | Average |
|---|---|---|
| WA (legally required) | €10/month | €10-€25/month |
| WA + Limited Casco | €20/month | €20-€50/month |
| Allrisk Full Casco | €40/month | €40-€100/month |
| Sports motorcycle (higher premium) | €50/month | €50-€150/month |
* Premium depends on engine type, power, value, driver age, place of residence and claim-free years. Heavier and faster engines are more expensive to insure.
🎒 Accessories, Helmet & Motorcycle Clothing
With most motorcycle insurance policies, accessories and motorcycle clothing are also insured with WA+ or Allrisk:
Want to insure expensive accessories separately? Provide the value at exit. Always check the maximum reimbursements in the policy conditions.
❄️ Winter break discount & suspension
Do you not drive in the winter months? Then you can save:
Please note: When suspended, your motorcycle may not be parked on public roads. Check whether your insurance provides theft cover during suspension. Winter break discount varies per insurer.
📋 Motor insurance premium factors
The premium of your motorcycle insurance is determined by:
- → Engine type: Sports bikes more expensive than tourers/nakeds
- → Power (kW/hp): More assets = higher premium
- → Catalog value: More expensive engine = higher premium
- → Year of construction: Newer engines have higher insurance
- → Driver age: Young people pay more
- → Place of residence: City more expensive than countryside
- → Claim-free years: Up to 75% no-claim discount
- → Annual kilometers: Fewer km = lower premium
⚠️ Please note: Security requirements
Strict security requirements apply to theft coverage. Without meeting these requirements you are not insured against theft:
- ! ART 4 or ART 5 slot always mandatory
- ! Attach motor to fixed object (pole, anchor)
- ! Keep all original keys
- ! Save purchase receipt lock (for claim)
- ! Uncommon: SCM alarm or GPS tracker required
Additional Coverages
Expand your motorcycle insurance with additional modules:
| Module | What does it cover? | Advice |
|---|---|---|
| Roadside assistance | Breakdown assistance, also abroad | Recommended |
| Legal Aid Traffic | Legal assistance in case of damage/conflicts | Recommended |
| Passenger insurance | Benefit in the event of driver/passenger injury | Highly recommended |
| Passenger Damage Insurance | Damage to occupants' belongings | Optional |
| Purchase value guarantee | Full purchase amount in case of total loss | With new engine |
Motorcycle insurers
We compare motorcycle insurance policies from, among others:
Moneyview 2025: FBTO best WA conditions (5 stars). Interpolis best WA, Limited Casco and All-risk conditions. InShared best Allrisk price.
💡 Tips for Motorcyclists
- ✓ Compare annually: Premiums and conditions change every year
- ✓ Include claim-free years: Check whether you can transfer SVJ
- ✓ Winter break discount: Ask about a discount for storage Dec-Mar
- ✓ Report accessories: Report the value of suitcases, exhaust, etc
- ✓ Passenger insurance: Highly recommended for personal injury
- ✓ Buy ART lock: Only ART 4 or 5 suffices for theft coverage
- ✓ New value scheme: Check how long the new value applies (often 3 years)
- ✓ Second engine discount: Some insurers offer a 10% discount
📊 Which Coverage For Which Motor?
| Engine situation | Recommended coverage | Why? |
|---|---|---|
| Newe motor (<4 jaar) | All risk | High value, own damage covered |
| Engine 4-10 years | WA+ Limited Casco | Good price/coverage balance |
| Oude engine (>10 jaar) | WA | Low current value, keep premium low |
| Expensive engine/custom | All risk + extension | Protect value |
| Harley Davidson | All risk + ART 5 | Theft-prone brand |
| Summer rider only | WA+ + winter break | Discount in winter months |
