On a Ducati the most expensive loss is rarely a collision with another party, but a fall of your own in which fairing panels, exhaust and carbon parts go all at once.
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In brief
You insure a Ducati as a motor vehicle: third-party liability is compulsory under Article 2 of the Dutch Motor Insurance Liability Act (WAM), and above that you choose third-party, fire and theft or comprehensive. What sets this make apart lies in the pattern of claims. Sporting models come off more often without another vehicle being involved, and that single-vehicle fall is covered only under comprehensive.
What such a fall costs is determined by how the machine is built. Fairing panels, mirror stalks, covers and, on some versions, carbon parts are not bodywork you beat out; they are replaced. So establish whether repairs at a franchised dealer are paid for and what happens if a part has a lead time of months.
Also watch what you have changed on the machine. A different exhaust or altered ECU mapping changes the insured object. Report that in advance, and bear in mind that you may not take this machine on the circuit under an ordinary policy. More about the basic cover can be found on the page comparing motorcycle insurance.
The structure of the cover in three parts, with an overview per situation below.
Compulsory by law
Third-party liability
Damage you cause to others with your motorcycle.
Compulsory from registration onwards
Damage to other vehicles
Injury to third parties
Most chosen
Third-party, fire and theft
Theft, fire, storm and glass damage.
Theft with an ART lock
Fire and storm
Collision with animals
For a new motorcycle
Comprehensive
Including your own fault and a single-vehicle fall.
Single-vehicle fall
Vandalism
Unknown party at fault
What is covered
Situation
Third-party liability
Third-party, fire and theft
Comprehensive
Damage to another road user
Yes
Yes
Yes
Theft with an approved lock
No
Yes
Yes
Fire or storm in storage
No
Yes
Yes
A single-vehicle fall with no other party
No
No
Yes
Motorcycle clothing and helmet
No
No
Sometimes
Track use and speed competitions
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.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
A fall with no other party involved falls outside third-party, fire and theft
Third-party, fire and theft covers theft, fire, storm, glass damage and a collision with animals at large. What it does not cover is the damage you cause yourself: going down on a bend, sliding out on a wet line or falling over after braking hard. On a sporting Ducati that is precisely the most common pattern of loss. If you want that damage paid for, comprehensive is the only form that does it.
Fairings and carbon are replaced, not repaired
Plastic fairing panels with a painted finish and carbon parts cannot be beaten out or touched in without a visible difference. After damage, replacement follows, and then the question of who may carry out the repair matters. If your insurer works with a fixed repair network, dealer repair with original parts may call for an additional agreement. Also have it recorded what happens with long lead times: downtime and replacement transport are rarely included as standard.
A different exhaust or ECU mapping is a change you report
An aftermarket exhaust system, altered mapping or modified suspension changes the insured object and sometimes the power output. Under Article 7:928 of the Dutch Civil Code you state at inception what differs. After that you report changes as they occur. If, when a claim is made, it appears that the insurer would not have accepted the machine in this specification, or would have done so on different terms, it can rely on Article 7:930 of the Dutch Civil Code and reduce or refuse the payout.
Track days and speed events are excluded
Riding on a circuit, taking part in speed competitions, time trials and gymkhanas is excluded under a regular motorcycle policy, even where it is offered as a touring day. That applies to own damage to your machine and usually to liability on the site as well. Separate one-day covers exist for circuit use. If you conceal that a loss arose on a circuit, you run into the duty of disclosure at claims stage.
No theft cover without an approved lock
Almost every insurer requires an ART-approved lock, often category 4 or higher, and for more expensive motorcycles a tracker or locked storage. Keep the purchase receipt for the lock and both keys. These are the first things asked for in a claim.
Clothing and helmet belong separately on the policy
Motorcycle clothing does not fall under the own-damage cover for the motorcycle. Some insurers offer an extension, sometimes only in combination with an accident in which the motorcycle was also damaged. For a full suit plus helmet, the amount quickly exceeds a thousand euros.
What does your premium depend on?
Power in relation to weight. Sporting models fall into a higher class than a tourer with the same engine capacity.
List price including factory options. Versions with high-specification suspension, brakes or carbon sit higher than the base version.
Age and driving experience of the driver. The number of years holding a category A licence weighs more heavily in this class than on a light machine.
Type of cover chosen. Comprehensive adds the single-vehicle fall and on this type that is the most expensive kind of loss.
Storage and security. A locked garage, an ART lock and possibly a tracker affect the underwriting.
Use and annual mileage. Weekend and fair-weather use is assessed differently from daily commuting.
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.
Only under comprehensive. Third-party, fire and theft provides no cover for damage you cause yourself with no other party involved. Because that is the most common loss on sporting models, comprehensive is almost always the defensible choice on a newer machine. On an older machine you weigh the own-damage premium against the market value.
Do I have to report a different exhaust or altered mapping?
Yes. It is a change to the insured object and sometimes to the power output. Report it in writing and keep the confirmation. Without notification the insurer can, when a claim is made, work from the standard specification, or reduce the payment where it would not have accepted the machine in this specification.
May I take this machine to a track day?
Not under an ordinary motorcycle policy. Circuit use, speed competitions and time trials are excluded, even where the organisers call it a touring day. Separate one-day policies exist for those days, which you take out per event. Damage that arises on the circuit and is later reported as road damage causes problems at settlement.
Will original parts and dealer repairs be paid for?
That depends on the policy. Some insurers steer towards their own repair network and towards used or non-original parts. If you want repairs at a franchised dealer with original parts, have that agreed in advance. Also ask what applies with long lead times, because downtime and replacement transport are rarely included as standard.
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.
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