Third-party liability Insurance
- Damage to other Vehicles
- Injury to third parties
- Damage to buildings and objects
- Damage caused by passengers
Motorcycle Insurance through Vereende
When a motorcyclist can find cover nowhere after a cancellation or a run of claims, one route remains Open, and it almost always begins with third-party liability cover.
- several Insurers compared objectively
- 9.5 customer rating for a new policy
- AFM license 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Dutch
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 advisor checks whether the cover suits your situation
- 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
Motorcyclists whose insurer has cancelled their policy face a problem bigger than an expensive premium: without cover the machine may not use the road, because Article 2 of the Dutch Motor Insurance Liability Act (WAM) requires third-party liability Insurance. Vereende was set up for risks the regular market does not accept, and this is one of them: cancellation for non-payment, several claims in a short period, a register entry, or a return after a driving disqualification.
Underwriting works differently from what you are used to. It is not a rating table that is looked at but your file, and cover usually starts with third-party liability only. Own-damage cover follows only after a demonstrably claim-free period. That is not a punishment but the way this segment works: you rebuild your insurability.
The starting point is complete openness. If you are looking for a regular Motorcycle policy with nothing unusual in your past, you are better off with a standard product such as Motorcycle insurance through Unigarant.
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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Through Finass or direct with The Vereende?
The structure of the cover in three parts, with an overview per situation below.
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 for damage you cause yourself, theft and total loss. We compare Vereende'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 The Vereende |
|---|---|---|
| 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 The Vereende 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.
What does your premium depend on?
- Nature and number of previous claims. Not only the number but also the type of claim and whether you were liable count in the assessment.
- Reason for the earlier termination. A cancellation for non-payment is assessed differently from a cancellation after fraud or a register entry.
- Age and length of time holding a category A licence. How long you have held category A without a break is a weighty factor in this segment.
- Type of machine and power output. A heavy sports bike is harder to place on a difficult file than a lighter tourer.
- Storage and security. A locked Garage and an approved lock are often a condition of acceptance here rather than a premium discount.
- Type of cover chosen. Third-party liability only is usually the starting point; extension to own-damage cover follows after a claim-free period.
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.
Why arrange it through Finass Insures?
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 Advisor
You call or email someone who knows your file. No menu options, no changing Call centers.
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.
Underwriting starts with a complete picture of your past
On the application you must state everything that is asked for: earlier claims, cancellations, refusals, register entries and any criminal measure relating to your licence. That is your duty of disclosure under Article 7:928 of the Dutch Civil Code. If after a claim it turns out that something relevant to the underwriting was withheld, the insurer can, under Article 7:930 of the Dutch Civil Code, reduce or entirely refuse payment and terminate the policy after all. Openness in advance is cheaper here than silence.
Often third-party liability first, own-damage cover later
In this segment cover usually starts with third-party liability only. That means damage to your own machine is for your Account: a fall with no other party involved, theft and fire are then not covered. After a period without claims, an extension to third-party, fire and theft or comprehensive is often open to discussion. Bear that in mind when choosing the machine: a valuable example you cannot insure for own damage is a risk you bear entirely yourself.
Recklessness, alcohol and the limits of the duty to pay
If you ride under the influence, while disqualified, or take part in a speed trial, that goes to the heart of the cover. Under Article 7:952 of the Dutch Civil Code an insurer does not have to pay for damage the insured caused intentionally or through recklessness. The third-party liability payment to the victim remains in place because the WAM protects it, but the amount paid can then be recovered from you.
Building up no-claims years again
After a cancellation you lose the discount you built up and start at the bottom of the scale. Every year without a claim counts again, including on a policy in this segment, provided the claim-free record is properly registered. So do not automatically claim for small losses but work out what a drop on the no-claims scale costs. After a number of claim-free years, a return to a regular insurer at a normal premium is usually possible again.
Replacement transport after a claim
Replacement transport after a claim Stay mobile with replacement transport.
Breakdown assistance
Frequently asked questions
This is what people ask us most.
Can I get Motorcycle insurance after a cancellation?
Usually you can, but not with a regular insurer. Vereende focuses on risks that have been refused elsewhere. The condition is that you put the whole file on the table: the reason for the cancellation, the number and nature of the claims and any register entries. On that basis an individual assessment is made, usually starting with third-party liability cover only.
Will I get comprehensive cover straight away?
Usually not. In this segment cover starts with third-party liability only, which satisfies the duty to insure under Article 2 of the Dutch Motor Insurance Liability Act (WAM) but leaves damage to your own machine with you. A fall, theft and fire are then not covered. After a demonstrably claim-free period, an extension to third-party, fire and theft or comprehensive is often Open to discussion. Bear that in mind when choosing your machine.
Do I have to report a register entry?
Yes. An entry in a warning system, an earlier refusal or a criminal measure relating to your licence falls under the duty of disclosure in Article 7:928 of the Dutch Civil Code where it is asked about. Concealment does not pay: Insurers consult these files at underwriting and certainly when a claim is made. If it comes out afterwards, the payment can lapse under Article 7:930 DCC.
Am I covered after an accident under the influence?
Not for your own damage. Article 7:952 of the Dutch Civil Code relieves the insurer of the duty to pay for damage caused by the insured's intent or recklessness, and alcohol above the legal limit is a standard exclusion. The victim is paid, because the WAM provides that protection. The insurer can then recover the amount paid from you.
Every situation is different. For these situations we have a separate page.
- Compare Motorcycle insuranceThe main page
- Insuring a Motorcycle for business use: purpose of use and securityUse, delivery, riders
- Van Insurance through Vereende
- Camper van Insurance through Vereende
- Personal liability Insurance (AVP) through Vereende
- Delivery moped Insurance through Vereende
- Truck Insurance through Vereende
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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 Insures 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 Insures (LinkedIn). Last updated on .
The information on this page is general in nature and is not Personal advice.