Third-party liability
- Required by law
- Also when not in use
- Registration in your name
Honda motorcycle insurance
The Honda range runs from a 125 to a heavy tourer. The licence category that goes with your version determines whether the policy pays out when a claim is made.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands · Deutsch
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
- 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
With Honda the first question is not about value but about the vehicle category. The registration certificate shows whether you own a moped, a light motorcycle or a heavy motorcycle, and from that follows which policy goes with it and which licence you need. The wrong type of policy shows up immediately when a claim is made.
The second point is power output. Many models are supplied both restricted and unrestricted. If a restriction is removed, or the exhaust or mapping has been worked on, that is a change in risk which you must report under Article 7:928 of the Dutch Civil Code. If you do not, the insurer may rely on Article 7:930 DCC when a claim is made.
Not covered: riding outside your entitlement, damage after an unreported change in power output, wear, and use for instruction or hire. See also the general explanation of motorcycle insurance.
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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What does Honda motorcycle insurance cover?
The structure of the cover in three parts, with an overview per situation below.
Third-party, fire and theft
Fixed causes that are beyond your control.
- Fire and storm
- Theft
- Collision with an animal
Comprehensive
Including damage you cause yourself.
- Falling and skidding
- Vandalism
- Replacement-as-new period
What is covered
| Situation | Third-party liability | Third-party, fire and theft | Comprehensive |
|---|---|---|---|
| Damage to the other party | Yes | Yes | Yes |
| Theft of the motorcycle | No | Yes | Yes |
| Falling with no other party involved | No | No | Yes |
| Damage while in storage | No | Sometimes | Yes |
| Helmet and motorcycle clothing | No | Sometimes | Sometimes |
| Driving without a valid licence | 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.
What does your premium depend on?
- Vehicle category on the registration certificate. Moped, light motorcycle or heavy motorcycle: this determines the product and the rating group.
- Engine capacity and declared power output. A restricted version is rated differently from the same machine without a restriction.
- Licence and number of years of entitlement. How long you have held the category counts, quite apart from your age.
- Year of manufacture and value arrangement. Market value or purchase price. On a machine bought second-hand that differs considerably.
- Postcode and where the machine is kept. The theft element of the premium attaches to the address where the machine stands at night.
- Type of cover and excess. Third-party liability, third-party, fire and theft or comprehensive, and the excess you accept with it.
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 Verzekert?
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 adviser
You call or email someone who knows your file. No menu options, no changing call centres.
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.
The licence category must match the model
A1 runs to 125 cc and a restricted power output, A2 to a middleweight version, and A applies without restriction. If you ride a heavier Honda than your category allows, that is a ground for exclusion. The insurer does pay the other party, because Article 2 of the Dutch Motor Insurance Liability Act (WAM) protects the injured party, but then recovers that amount from you. Your own damage remains entirely for your own account in that case.
An A2 version that has been derestricted is a changed risk
Many models are supplied in a restricted and an unrestricted version, sometimes with the same type number. If you have the restriction removed because you now hold category A, report that in writing: the power output on the policy must match the power output of the machine. An unapproved derestriction kit or altered mapping falls under this too. Without notification an argument arises that you will lose when a claim is made.
Scooter, moped or motorcycle: the registration decides
Honda builds both mopeds and light motorcycles in the same style. What the registration certificate states under vehicle type determines the form of policy; a scooter insurance policy is something different from a motorcycle policy and has different rates, different security requirements and a different excess. If you take out the wrong product, the policy has effectively been taken out for another vehicle and argument about cover follows.
Bought used: market value and repair instead of a cash settlement
Parts for these models are widely available and that cuts both ways. The insurer may choose repair instead of a cash settlement, and on a common model it usually does. On an older machine bought second-hand, market value applies rather than the amount you paid. Ask about the purchase-value arrangement and how long it runs. On a second-hand purchase it is shorter or absent.
Frequently asked questions
This is what people ask us most.
Which licence goes with my Honda?
That follows from the engine capacity and power output as shown on the registration certificate, not from the model name. If in doubt, compare the power output on part 1 with the limit for your category. If you ride something heavier than permitted, your own-damage cover lapses and the insurer recovers from you what has been paid to the other party.
May I have my restricted version derestricted?
Technically it can be done and with category A you are also allowed to, but it is a change you have to report. The power output on the policy should match the actual power output. If you do not report it, the insurer can point to the duty of disclosure in Article 7:928 of the Dutch Civil Code when a claim is made and limit or refuse payment.
My Honda is a registered scooter; which policy?
Look at the vehicle type on the registration certificate. If it says moped or light moped, a moped or scooter policy goes with it. If it says motorcycle, a motorcycle policy. The products differ in security requirements, excess and premium. A policy taken out for the wrong vehicle type will almost certainly lead to argument about cover when a claim is made.
What if the machine has been worked on?
A sports exhaust, different mapping, a different final sprocket or a removed restriction change the risk. Report every modification on the application or as soon as you carry it out. Damage arising while the machine is tuned up is excluded as standard, and that applies even where the modification had nothing to do with the cause of the accident.
Every situation is different. For these situations we have a separate page.
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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 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.
This page was compiled by Finass Verzekert. Last updated on .
The information on this page is general in nature and is not personal advice.