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
BMW's motorcycle range runs from a light single-cylinder to a tourer with panniers and a sports bike that belongs on a circuit. Insurers do not treat those as one make but as three risks. A tourer with an experienced rider and high mileage is assessed differently from a sports bike that mainly comes out at weekends. Power output, engine capacity and driving licence category together determine whether you end up on a standard rate.
The biggest misunderstanding lies not in the machine but in what hangs around it. Clothing, helmet, gloves, boots, a pannier or top box set and communication equipment are not part of the standard cover. They have to be declared and insured separately, with a limit of their own. Anyone who has to replace a complete suit and a helmet after a fall notices this only at the moment when it can no longer be arranged.
The second gap is your own injury. Third-party liability cover pays the other party, not you. If you come off with no other party involved, there is nothing without additional cover. Article 6:162 of the Dutch Civil Code only gives you a claim where someone else made a mistake, and in a single-vehicle fall there is no such person.
The structure of the cover in three parts, with an overview per situation below.
Compulsory by law
Third-party liability insurance
Damage you cause to others with the vehicle. Not your own vehicle.
Damage to other vehicles
Injury to third parties
Damage to objects
Most chosen
Third-party liability + fire and theft
Also, damage to your own vehicle from external causes.
Theft and burglary
Fire, storm and hail
Windscreen damage
Collision with animals
For higher values
Comprehensive cover
Including damage to your own vehicle through your own fault.
Own fault and single-vehicle accident
Vandalism
Unknown party at fault
Total loss
What is covered
Situation
Third-party liability
Third-party liability + fire and theft
Comprehensive
Damage to another vehicle
Yes
Yes
Yes
Theft of your BMW motorcycle
No
Yes
Yes
Windscreen damage or stone chips
No
Yes
Yes
Storm, hail and fire damage
No
Yes
Yes
Driving into a bollard yourself
No
No
Yes
Track use, wear and intent
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.
Clothing, helmet and luggage are a separate section
A motorcycle policy covers the machine with the parts fitted at the factory. Your equipment falls outside it, as do loose panniers, tank bags and satnav or intercom equipment. Insurers offer an additional section for this with a limit and usually an excess. Keep the purchase invoices. When a claim is made you will be asked what the items were and how old they were. Without additional cover, your clothing after a fall is a cost of your own.
Your own injury is not included
On a motorcycle the rider is the most vulnerable component. Third-party liability cover is there for others. For yourself there is accident cover for occupants or indemnity cover for occupants, which also pays where you were at fault and in a single-vehicle fall. If you carry a pillion passenger, check whether that person is included. Without such an addition, permanent injury leaves you with only your disability or healthcare provision.
The lock is a condition of cover, not a piece of advice
For theft, insurers set specific requirements: an approved lock of a particular class, often a chain or shackle to a fixed point, and on the more expensive models a tracking system or locked storage. Those requirements appear on your policy schedule. If the machine is stolen while secured only by the steering lock, that is no longer a question of cover but an established breach of the conditions. Keep the certificate for your lock.
Season, standing idle and what is not included
As long as the registration has not been suspended, the duty to insure under Article 2 of the Dutch Motor Insurance Liability Act (WAM) applies all year round, even if the machine stands indoors all winter. Suspension is possible, but cover for theft and fire then lapses as well unless you arrange storage cover. Excluded remain: circuit and competition use, stunt riding, riding without the correct driving licence category, carrying passengers for hire or reward, and wear to chain, tyres and brakes.
Repairs and parts
Clothing, helmet and pannier system are not covered as standard and have to be declared separately.
Acceptance differs per insurer
Not every company applies the same policy for this make. With unusual versions, the question is not what it costs but who will accept it.
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 if you have taken out additional clothing cover. The basic cover includes the machine, not your suit, helmet, gloves or boots. The addition has a maximum amount and often a deduction for age. Keep purchase invoices, because they are asked for when a claim is made. A helmet that has hit the ground in a fall must always be replaced, even without visible damage.
Which lock does the insurer require?
That appears as a security clause on your policy schedule and differs per machine and per insurer. It usually involves an approved lock of a prescribed class, on more expensive models supplemented by a chain to a fixed point, an alarm or a tracking system. Check the clause before you leave the machine outside for the first time; compliance is the first thing asked about after a theft.
Am I covered if I come off with no other party involved?
For the machine itself only with own-damage cover; third-party, fire and theft covers external causes and not your own fall. For your injury you need accident or indemnity cover for occupants. Third-party liability cover does nothing in this situation, because it is there for others. In a single-vehicle fall in particular there is nobody to recover from under Article 6:162 of the Dutch Civil Code.
Do I have to keep paying in winter while the machine stands indoors?
As long as the registration is active, the duty to insure applies and the premium continues. You can suspend the registration with the RDW (the Dutch vehicle authority). The obligation then lapses, but so does cover for fire and theft in your storage. Many insurers offer an adjusted winter cover under which only the own-damage part continues. Ask for that before you suspend, not afterwards.
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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