A working tool · downtime · items carried
Business motorcycle insurance through De Goudse
For a service engineer, valuer or courier the motorcycle is not a hobby but a tool. The moment the machine stands still or the contents of the pannier are damaged, it becomes clear how narrow own-damage cover actually is.
- Several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
Deze pagina in het Nederlands: Zakelijke motorverzekering via De Goudse.
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.
In brief
Finass Advies acts as an intermediary and compares the market objectively across several insurers. De Goudse is one of the companies we approach for SME business owners, usually where the motorcycle runs within a wider package with liability, business contents and sickness absence. The choice follows from your cover requirements and the conditions. For the forms of cover themselves we refer you to the covers under motorcycle insurance.
If the motorcycle is used for work, the main question is not whether the damage will be paid for, but how long you will be without transport. An own-damage policy pays for the machine, not for turnover. If you want to carry on immediately after a theft or a collision, have it stated that the costs of replacement transport or a hire machine are included, with a clear time limit. Without that clause you pay for the hire yourself and your diary stays empty until the repair is finished.
The second blind spot lies in what you carry. Tools, samples, a laptop or documents in the top box are not part of the motorcycle and do not fall under own-damage cover. A goods or business contents cover is needed for that; where goods are regularly carried for third parties, a goods in transit insurance is the right place. Theft from a closed pannier, too, is almost always excluded under a motorcycle policy.
This page deals with one situation. The full overview is on Compare motorcycle insurance.
What to look out for
Four points that arise as soon as the motorcycle is a working tool and not a weekend vehicle.
Downtime costs more than the damage itself
On a total loss the settlement takes days to weeks, and with a repair the wait for parts is often the decisive factor. The motorcycle policy provides no payment for that. Have a replacement transport section or an assistance cover included that also applies within the Netherlands; many versions cover breakdowns abroad only.
What is in the pannier is not insured
Tools, measuring equipment and trading stock fall outside own-damage cover, even where they are damaged in a collision. A business contents and goods insurance with cover away from the premises, or transport cover, deals with that. If you carry clients' documents or samples, there is in addition the liability question; that runs through the public and employers' liability insurance.
Your own injury is not on this policy
The third-party liability part pays only for the other party's loss. If you come off without anyone else being at fault, there is no cover for your injury and loss of income. For a business owner who depends on the machine, that means accident cover for occupants and, more structurally, a disability insurance.
If the use changes, report it
From commuting to daily client visits, or from own use to delivery for payment: that is a different risk class. Carriage of persons or goods for hire or reward, hire and lending to third parties are excluded as standard. Unreported changes affect the settlement through Articles 7:928 and 7:930 DCC, even where the accident had nothing to do with the change.
What does your premium depend on?
- Purpose of use: commuting, client visits or daily runs with a load
- Annual mileage: business use almost always means more kilometres
- Type and value of the motorcycle: a tourer is assessed differently from a sports model
- Type of cover chosen: third-party liability, third-party, fire and theft, or comprehensive, with or without add-ons
- Excess: a higher excess lowers the premium but shifts the risk
- Storage: where the machine stands outside working hours
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | Third-party liability | Comprehensive |
|---|---|---|
| While turning on an industrial estate you ride into a client's parked car | Yes | Yes |
| The machine falls over on a client's site and the fairing breaks | No | Yes |
| Passers-by knock the machine over while it stands outside a client's premises | No | Yes |
| The machine is stolen at night from the drive at your home | No | Provided that |
| Your motorcycle suit and helmet are damaged beyond repair in a fall | No | Provided that |
| The clutch slips after heavy use and the machine has to go to the workshop | No | No |
Even under comprehensive cover the machine remains the insured object: what you carry, and what happens to you, calls for a different policy.
Frequently asked questions
This is what people ask us most.
Does the policy pay for a replacement machine while mine is in the workshop?
Only if that is included as an additional section. Ordinary own-damage cover pays for the repair or the value of the machine and nothing besides. For a business owner who cannot carry out jobs without a machine, that is often the most expensive item. Ask for the condition and check the maximum period and whether the cover also applies in the Netherlands.
Are my tools in the pannier included?
No. Own-damage cover concerns the machine and the accessories listed on the policy schedule, not the items you carry. You insure tools and equipment through business contents and goods cover with a section for property away from the business premises. Theft from a locked pannier is almost always excluded under a motorcycle policy, even where the pannier has been forced open.
Am I covered as a business owner in a single-vehicle accident?
For the damage to the machine you are, provided you have comprehensive cover; third-party, fire and theft does not cover your own fall. For your injury you are not: the third-party liability part is there for the other party. Accident cover for occupants pays a fixed amount for permanent injury or death, and for the loss of your income disability insurance (AOV) is the appropriate route.
Can I combine business and private use on one policy?
You usually can, provided you declare the use in full. What matters is the registered keeper and the question of who the regular rider is. If the machine is registered to the business and you also ride it privately, report that. The reverse situation applies just as much. An incorrect statement on the application feeds through into the settlement under Articles 7:928 and 7:930 of the Dutch Civil Code.
Read more
Within Motorverzekering
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