Third-party liability
- Required by law
- Also when not in use
- Registration in your name
KTM motorcycle insurance
With KTM it comes down to where you ride: on the public road the cover runs, on a circuit or off-road it almost always stops.
- 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
Sports, enduro and supermoto models are used differently from a tourer, and the policy risk shifts with that from collision to a fall with no other party involved. That type of damage is only in comprehensive cover. Under third-party liability or third-party, fire and theft you pay for the fairing panels, the suspension components and the handlebar assembly yourself.
The second dividing line is off-road. A track day, an enduro route over unpaved ground or an instruction day on a closed circuit falls outside the standard cover, even if you have a registration. If you ride without a registration on a motocross site, the duty to insure under Article 2 of the Dutch Motor Insurance Liability Act (WAM) does not apply, but your liability under Article 6:162 of the Dutch Civil Code continues to exist as normal.
Also excluded are competitions and speed trials, damage during hire or instruction, and damage arising while the machine is tuned up. See also the how motorcycle insurance is structured.
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 KTM 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?
- 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
Four points that make the difference between a policy that pays out and one that does not.
Circuit, track day and off-road fall outside the policy
Virtually every motorcycle policy excludes use off the public road. That affects not only competitions but also a free track day, rider training on a closed circuit and a run over an off-road course. The exclusion works both ways: damage to your own machine is not paid for and neither is damage you cause to someone else there. Separate one-day coverexists for such days; arrange it in advance.
A motocross machine without a registration leaves a gap
Without a registration and without use on the public road, the duty to insure under the WAM does not apply. Your liability does not disappear with it: if you hit another rider or a spectator on the site, Article 6:162 of the Dutch Civil Codeapplies. Personal liability insurance almost always excludes damage involving motor vehicles, so nothing is arranged then. Ask about separate off-road or club cover.
A fall with no other party involved: high parts prices, low market value
In a slide, fairing panels, hand guards, brake caliper, radiator and often a suspension unit all break at once. On a sports machine those parts together cost a considerable part of the market value, certainly on an example a few years old. The claim then quickly exceeds the total loss threshold. Under third-party, fire and theft a fall with no other party involved is not covered at all. Only comprehensive deals with this.
Transport on a trailer and power gained through modification
If you take the machine to the site on a trailer, damage during that transport does not fall under the motorcycle policy but under the trailer insurance, and even there the load counts as excluded. Also, every change to power output, mapping or exhaust is a change of risk that you must report under Article 7:928 of the Dutch Civil Code. Damage while using a tuned-up machine is excluded.
Frequently asked questions
This is what people ask us most.
Is a track day included?
No. Riding on a circuit falls under the exclusion for use off the public road, even where it is not a competition and no times are taken. Both your own damage and damage to other participants then remain uninsured. Separate one-day covers exist for such days; take one out before you enter, not afterwards.
Do I have to insure my motocross machine if it never goes on the road?
Not by law, because the duty to insure under Article 2 of the Dutch Motor Insurance Liability Act (WAM) attaches to use on the road. Your liability does continue to exist through Article 6:162 of the Dutch Civil Code, however, and personal liability insurance excludes damage involving motor vehicles. If you cause injury on the site, you bear that yourself. So ask about separate off-road or club cover.
Is damage after a fall with no other party involved covered?
Only with comprehensive cover. Third-party liability covers only what you do to someone else, and third-party, fire and theft has only named causes such as fire, storm and theft. A slide on a bend falls under neither. Weigh that against the market value of the machine, because on an older example the premium for comprehensive rises quickly.
What if the machine has been tuned up?
You must report every change to power output, mapping, exhaust or gearing 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 and reduce or refuse payment. That applies even where the modification demonstrably had nothing to do with how the accident arose.
Every situation is different. For these situations we have a separate 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. Last updated on .
The information on this page is general in nature and is not personal advice.