With Kawasaki it is not the make but the declared power output that determines what you pay and whether you are covered, and that is exactly where things go wrong with A2 versions and modified machines.
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A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
Kawasaki supplies many models in two guises: a full version and a restricted variant that fits within the A2 licence category. For insurance purposes those are two different vehicles. The power output shown on the policy determines the class, the premium and, when a claim is made, whether the risk was insured as it actually was.
Under Article 7:928 of the Dutch Civil Code you answer the underwriting questions fully and correctly. If the declared power output is wrong, the insurer can fall back on Article 7:930 of the Dutch Civil Code when a claim is made and reduce the payment proportionately, or refuse it altogether if it would not have accepted the risk on that basis.
Insurers also set additional security requirements on the more sought-after models. Those appear as a clause on the policy and are not advice but a condition. So compare not only on premium but also on the clauses attached to it.
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.
The declared power output is a disclosure, not a formality
If you ride a restricted version, have it recorded which variant it is and keep the evidence of the restriction. If the restriction is removed later because you gain the full licence category, that is a change of risk which you report. If you do not, the machine is, when a claim is made, a different vehicle from the one on the policy and the insurer can reduce the payment on the basis of the duty of disclosure.
Tuning up costs you more than the own-damage cover
A machine that has been tuned up, or whose restriction has been removed without notification, no longer meets the type-approval requirements. Own damage is then not paid for. On liability, the third-party liability insurer does pay the victim, because that cover protects third parties, but it can recover the amount paid from you. Fines, seizure and the cost of returning the machine to standard are for your own account in any event.
On sought-after models there are clauses attached to the cover
For the better-known sports and naked models, insurers often require more than an approved lock: a second lock, an anchor point, locked storage or a tracking system with a subscription. Those requirements appear as a clause on the policy and are the first thing checked after a theft. An expired tracker subscription, or a machine left on the street while the policy requires a garage, costs you the settlement.
Who else rides it determines whether there is cover
In this class, insurers work with age clauses and sometimes with an increased excess for young riders. If you lend the machine to someone without the correct licence category, or to a rider excluded on the policy, own-damage cover lapses. Third-party liability cover remains in place towards the victim, but the insurer can then turn to you.
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?
Declared power output and version. A restricted variant falls into a different class from the same machine in full specification.
Engine capacity and type. A superbike model is rated more heavily than a naked bike of the same capacity.
Age and number of years holding a category A licence. Young riders more often face an age clause or an increased excess.
No-claims years and bonus-malus step. The step you start on determines a large part of the rate and is recorded in Roy-data.
Security and storage address. On sought-after models an extra lock, an anchor point or a tracking system is often a condition of acceptance.
Cover and excess chosen. A higher excess lowers the premium but hits you on the smaller fall damage.
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.
Do I have to report that my Kawasaki is A2-restricted?
Yes. The version determines the class the machine falls into and therefore the premium. Have the restricted variant stated in so many words on the policy and keep the evidence of the restriction with your papers. Without that record you may pay too much, or argument arises when a claim is made about which vehicle was actually insured.
What happens if the restriction is taken out?
The risk then changes and you have to report it, even if you now hold the full licence category. If you do not report it and a loss occurs, the insurer can reduce or refuse payment because it would have assessed the risk differently. On a machine tuned up beyond type approval, own-damage cover lapses and the third-party liability insurer can seek recovery from you.
What security is required on these models?
Besides an approved lock, the more sought-after models often carry additional requirements: a second lock, a ground anchor, locked storage or a tracking system with a current subscription. Those requirements appear as a clause on the policy. After a theft they are the first thing looked at, including proof of purchase and the handing in of all the keys.
May someone else ride my machine?
Only if that rider holds the correct licence category and is not excluded on the policy. If your policy has an age clause, that applies to a borrowed ride as well. If someone rides without a valid licence, own-damage cover lapses. The victim is still paid through the third-party liability cover, but that amount can be recovered from you.
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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