De Goudse · compared independently · advice from Finass
Motorcycle insurance through De Goudse
A motorcycle has no crumple zone: in a fall the most expensive item of loss is usually not the vehicle but the rider, and that is exactly what the standard cover leaves out.
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
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
The compulsory liability cover under Article 2 of the Dutch Motor Insurance Liability Act (WAM) pays for the damage you cause to others. Your own injury does not fall under it, not even where you did nothing wrong but the other party cannot be traced. For a motorcyclist that is a more fundamental gap than for a car driver, because the chance of injury in the same collision is incomparably greater.
The second point is the equipment. Helmet, jacket, trousers, gloves and boots together represent a considerable value and are almost always written off after a fall, even if they still look intact. They do not fall under the own-damage cover for the vehicle: there is a separate motorcycle equipment section for that, with its own limit and its own conditions.
We set De Goudse's motorcycle product alongside those of other insurers and look specifically at how the accident or indemnity cover for occupants is arranged and at the equipment section. If you mainly want to know how storage, theft and winter suspension are dealt with, also read our page about motorcycle insurance through Nationale-Nederlanden.
The structure of the cover in three parts, with an overview per situation below.
Third-party liability insurance
Third-party liability insurance is compulsory by law and covers damage you cause to others with your motorcycle, not damage to your own motorcycle.
Damage to other vehicles
Injury to third parties
Damage to buildings and objects
Damage caused by passengers
Third-party liability + fire and theft
Alongside third-party liability cover, protection against damage to your own car from external causes you cannot prevent.
Fire and storm damage
Theft and burglary
Windscreen breakage and glass damage
Collision with animals
Comprehensive insurance
The most complete cover, including your own damage, theft and total loss. We compare De Goudse's comprehensive version with the market.
Hail damage
Damage through your own fault
Vandalism
Unknown party at fault
What is covered
What we do
At Finass
Direct with Ansvar
Comparison across several insurers
Yes
No
Advice based on your own situation
Yes
Provided it is declared
One point of contact for claims
Yes
Provided it is declared
Cancellation with your current insurer arranged
Yes
No
We determine whether Ansvar is the best choice
Yes
No
Advice fees for you as a customer
No
No
What we do
What we do
At Finass
Direct with De Goudse
Comparison across several insurers
Yes
No
Advice based on your own situation
Yes
Sometimes
One point of contact for claims
Yes
Sometimes
Cancellation with your current insurer arranged
Yes
No
We determine whether De Goudse is the best choice
Yes
No
Advice fees for you as a customer
No
No
This overview concerns our service, not the cover. What is actually covered is set out in the policy conditions and on the insurer's insurance card (verzekeringskaart); you receive both before you take out cover.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Your own injury is not included in third-party liability cover
Third-party liability insurance protects the other party, not you. There are two additions for your own injury: accident cover that pays a fixed amount for permanent injury, and indemnity cover for occupants that pays the actual loss, including where the fall was your own fault. That difference is substantial in cases of long-term incapacity for work and deserves an explicit choice when the policy is taken out.
Helmet and clothing form a section of their own
A helmet that has been dropped has to be replaced, even without visible damage. Own-damage cover on the vehicle does not extend to it. Check the limit of the equipment section, whether payment is on a replacement-as-new or a market value basis, and whether cover also applies where clothing is stolen from a closed top box. Loose items such as phones and satnavs generally remain excluded.
Fall damage with no other party involved
Sliding out on a bend, tipping over on a gravel track or coming off on tram rails produces damage with no third party liable. Only comprehensive cover pays for that. Third-party, fire and theft does not: it covers fire, storm, theft and glass damage, but not your own fall. Riders of older machines often deliberately choose third-party, fire and theft and accept that fall damage is for their own account.
Where the cover ends
Excluded as standard are taking part in speed competitions and training for them, riding on a circuit, riding without a valid licence for the category concerned and damage resulting from riding under the influence. Intent and recklessness also fall away under Article 7:952 of the Dutch Civil Code. A free riding day on a circuit is therefore not an extension of your policy, even where there is no timing.
Replacement transport after a claim
Replacement transport after a claim Stay mobile with replacement transport.
Breakdown assistance
What does your premium depend on?
Engine capacity and power. A heavy sports bike is rated more heavily than a light tourer or a custom.
No-claims years. Years built up on the motorcycle policy weigh the most; car years do not always count in full.
Age and length of time holding a licence. The longer you have held the category A licence, the lower the rating usually is.
Type of cover chosen. Third-party liability, third-party, fire and theft or comprehensive differ widely, above all because only comprehensive covers fall damage.
Occupant cover included. Accident or indemnity cover for occupants is a separate section with its own premium.
Equipment section. The limit chosen for helmet, clothing and protectors counts on top of the vehicle premium.
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.
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.
Not automatically. The compulsory liability cover pays only for damage to others. For yourself you take out accident cover or indemnity cover for occupants. The latter pays the actual loss, including in a single-vehicle accident in which nobody else is involved. If you carry a pillion passenger, check whether the cover applies to that passenger too.
Are helmet and motorcycle clothing paid for after a fall?
Only where the equipment section is included and the loss falls within the limit. Note whether payment is on a replacement-as-new or a market value basis, because clothing depreciates quickly. Keep purchase receipts. Without evidence of value and age the payment is set on the basis of an estimate that rarely works out in your favour.
Am I insured on a track day?
Almost never. The conditions exclude riding on a circuit, even where it is a touring or instruction day without timing. If you want to take part in such a day, ask the organiser in advance about separate one-day cover. If you go without it and come off, both the damage to the machine and any injury are for your own account.
Does the premium continue in winter?
That depends on the arrangement chosen. Some policies have a seasonal form under which you pay a lower premium in the winter months and are left with fire, storm and theft cover only. If you do ride during that period, there is no liability cover. An alternative is to suspend the registration, but the machine may then not use the public road.
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.
