Third-party liability
- Damage to others
- Also applies on public unpaved roads
- No cover for your own damage
KTM motorcycle insurance
KTMs are often ridden hard and also used off-road; especially with an Adventure or Duke, the conditions for fall damage and off-road use determine what you are reimbursed.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
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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.
Which details do we ask for?
Personal quote request. A no-obligation request: nothing is taken out automatically. After sending you receive a reference number and a confirmation by e-mail.
- First and last name (required)
- Date of birth (required)
- E-mail address (required)
- Phone number (required)
- Postcode (required)
- House number (required)
- Suffix
- Address check
- Would you like to include any other insurance? (required)
Additional questions follow per chosen insurance.
- Household composition (required)
- Occupation or activities (required)
- Preferred start date
- Already insured?
- Is there anything we should know? (required)
- Comments
- Have you, or anyone else with an interest in this insurance, been in contact with the police or judicial authorities in the past 8 years? (required)
- Has an insurance policy ever been cancelled, refused or terminated due to fraud, or are you registered in the incident register? (required)
- I agree to the privacy statement, declare that the information is correct and complete to the best of my knowledge, and understand that this quote request does not yet provide insurance cover. (required)
Additional questions follow per chosen insurance.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
KTM builds light, sporty motorcycles with a distinct character. The Duke range runs from the 125 and 390 Duke for beginners via the 790 and 990 Duke to the 1390 Super Duke R. The Adventure family includes the 390, 890 and 1290 or 1390 Super Adventure. There are also the 1290 Super Duke GT sports tourer, the SMC supermotos and the road-registered enduros from the EXC range. Many KTMs have WP suspension, extensive riding electronics and a relatively low weight.
Two things matter for insurance. First, use: KTM riders go off-road more often, for example on an 890 Adventure on unpaved roads in the Pyrenees or on an EXC on an enduro route. Damage on public unpaved roads is usually covered, but not on closed terrain or during competitions. Second, damage in a fall: fairing parts, radiators, LED headlights and electronics are costly.
With the popular 390 Duke and 390 Adventure, the riders are often young people with an A1 or A2 licence, which increases the premium. For your KTM, we compare which insurer has the best conditions for your model, riding experience and use.
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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 KTM motorcycle insurance cover?
The choice of cover for your KTM depends on the model, its value and whether you also ride it off paved roads.
Third-party, fire and theft
Protects against theft and external damage, important for light motorcycles that are easily lifted away.
- Theft of motorcycle or parts
- Fire, storm and hail
- Lock and storage requirements
Comprehensive
Also pays for your own damage after a fall, the biggest risk when riding sportily and off-road.
- Fairing, radiator and LED headlight
- Fall damage on unpaved roads
- New-for-old value in the first years
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?
- Power in relation to weight. A light machine with a lot of power falls into a heavier class than the list price suggests.
- Type of version. Sports, supermoto, enduro or naked. The pattern of loss and the parts prices differ per type.
- Age and driving experience. Young riders on a sports version are a separate category in the underwriting.
- Purpose of use. Recreational, commuting or regular trips to events. The purpose stated counts.
- Storage and security. Sports models are light and easy to lift; insurers therefore often set extra requirements.
- Excess on single-vehicle damage. For a fall with no other party involved a higher excess often applies than for a collision.
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
Situations that regularly occur for KTM riders.
A fall on an unpaved road
On a gravel road in France, your 890 Adventure slides out in a bend. The radiator, hand guard and pannier are damaged. Because the road is open to the public, the damage is usually covered under comprehensive cover (allrisk). If you were on closed off-road terrain or taking part in an organised rally, the damage is often excluded. Read the conditions and use a sump guard and crash bars.
A road-registered enduro
A road-registered KTM EXC may be ridden on the public road and on public unpaved roads where motor traffic is permitted. For enduros, some insurers set additional conditions or only accept third-party liability (WA). If you also ride on a motocross track, that falls outside the cover. Separate insurance exists for competitions and training on closed terrain. Be honest about your use when you apply.
A young rider on a 390 Duke
The 390 Duke is a popular motorcycle for young riders with an A2 licence. Young riders without no-claims years (schadevrije jaren) pay a higher premium and, with some insurers, a higher excess. A fall in the first year is common. For a new motorcycle, comprehensive cover can then be sensible. Ask whether no-claims years from a previous scooter or car count.
Super Duke with aftermarket parts
A 1390 Super Duke R is often modified with an Akrapovič exhaust, a different engine map or parts from the KTM PowerParts range. These modifications increase the value and sometimes the power. Report them to your insurer. An exhaust without type approval is not permitted on the public road, and an unreported modification can affect the payout in the event of a claim. Keep the original parts.
Frequently asked questions
Questions KTM riders ask us about their insurance.
Am I insured when I ride my KTM off-road?
On public unpaved roads where motor traffic is permitted, your insurance usually simply applies. On closed terrain, motocross tracks or during organised competitions and training, damage is excluded by most insurers. For an Adventure model that you use for adventurous trips, it is wise to compare the conditions on this point before you choose.
Is a KTM more expensive to insure?
That depends on the model. A 390 Duke or 390 Adventure falls into a lighter class but is often ridden by young riders, which increases the premium. A 1390 Super Duke R falls into a more expensive class because of its power and value. Your age, where you live and your no-claims years carry a lot of weight. We request quotes for your model.
Are PowerParts accessories covered in the event of theft?
Accessories such as panniers, crash bars, a different exhaust or a navigation mount are covered up to a fixed amount under limited comprehensive or comprehensive cover. If the value of your PowerParts is higher, declare them separately with the invoice. In the event of theft or a total loss, you can then prove their value and have it reimbursed.
Is my light KTM prone to theft?
Light motorcycles such as a 390 Duke or an enduro are relatively easy to lift away or load into a van. Insurers may therefore set requirements for the lock or storage. Use an approved chain lock attached to a fixed point or store the motorcycle in a locked space. Keep the invoice for the lock and the spare keys.
Every situation is different. For these situations we have a separate page.
- Compare motorcycle insuranceThe main page
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- Insuring your KTMRegistration or off-road, modifications, transport
- Insuring a DucatiSporting, high list price, maintenance
- Insuring your motorcycleThird-party liability compulsory, own-damage cover, theft protection
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 (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.