Nationale · compared independently · advice from Finass
Motorcycle insurance through Nationale-Nederlanden
A motorcycle covers a few thousand kilometres a year and stands still the rest of the time: so the policy has above all to be right on storage, theft and the months you do not ride.
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
Motorcycles are stolen more often than they are damaged. They are light, can be lifted and loaded into a van without any key being involved. Insurers translate that into firm requirements: an approved lock, a fixed place of storage and sometimes a tracker. If you do not meet those at the time of the theft, the argument is not about the size of the loss but about whether there is any cover at all.
The second point is that a motorcycle rarely stays standard. Panniers, fairing panels, a different exhaust, heated grips, satnav and a tank bag together represent a substantial amount. Only permanently fitted accessories that you have declared in advance count in the own-damage value; luggage carried loose almost always falls outside it.
We compare Nationale-Nederlanden's motorcycle product with those of other insurers and look at the security requirements, the accessories section, the territorial limits and the possibility of a seasonal form. If you want to know how personal injury and motorcycle clothing are dealt with, read our page about motorcycle insurance through De Goudse.
Through Finass or direct with Nationale-Nederlanden?
The structure of the cover in three parts, with an overview per situation below.
Third-party liability insurance
Third-party liability insurance is compulsory by law and covers damage you cause to others with your motorcycle, not damage to your own motorcycle.
Damage to other vehicles
Injury to third parties
Damage to buildings and objects
Damage caused by passengers
Third-party liability + fire and theft
Alongside third-party liability cover, protection against damage to your own car from external causes you cannot prevent.
Fire and storm damage
Theft and burglary
Windscreen breakage and glass damage
Collision with animals
Comprehensive insurance
The most complete cover, including for damage you cause yourself, theft and total loss. We compare Nationale-Nederlanden's comprehensive version with the market.
Hail damage
Damage through your own fault
Vandalism
Unknown party at fault
What is covered
What we do
At Finass
Direct with Ansvar
Comparison across several insurers
Yes
No
Advice based on your own situation
Yes
Provided it is declared
One point of contact for claims
Yes
Provided it is declared
Cancellation with your current insurer arranged
Yes
No
We determine whether Ansvar is the best choice
Yes
No
Advice fees for you as a customer
No
No
What we do
What we do
At Finass
Direct with Nationale
Comparison across several insurers
Yes
No
Advice based on your own situation
Yes
Sometimes
One point of contact for claims
Yes
Sometimes
Cancellation with your current insurer arranged
Yes
No
We determine whether Nationale is the best choice
Yes
No
Advice fees for you as a customer
No
No
This overview concerns our service, not the cover. What is actually covered is set out in the policy conditions and on the insurer's insurance card (verzekeringskaart); you receive both before you take out cover.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
The security requirement comes before the question of the loss
The policy names an approved lock and usually also where the machine stands at night. If it disappears from a shared car park while the policy assumes a locked shed at the risk address, the actual situation differs from the application. If you move house or the storage changes, report it. That falls under the duty of disclosure in Article 7:928 of the Dutch Civil Code and prevents a rejection after the event.
Only declared accessories count
A set of panniers, a top box, crash bars and a modified exhaust do not automatically fall within the own-damage value. Most conditions cover permanently fitted parts up to a standard limit and require anything above that to be declared with receipts. What you carry loose, such as luggage, tools and a phone in the tank bag, remains excluded, even where it is stolen from a locked pannier.
Outside the Netherlands different limits apply
The territory is shown on the green card. Countries crossed out on it fall outside the liability cover, and the own-damage part sometimes has a smaller territory of its own. If you ride a multi-day tour through the Alps, also check whether breakdown assistance and repatriation of the machine are included. Without that section you are on your own with a broken-down machine far from home.
Suspension or a seasonal form
If you ride only in the summer half of the year, you can suspend the registration or choose a seasonal policy. On suspension the duty to insure lapses, but the machine may not use the public road and without an additional arrangement there is no fire and theft cover either. A seasonal form does keep that standstill cover in place. Riding outside the agreed period means, in both cases, no liability cover.
Replacement transport after a claim
Replacement transport after a claim Stay mobile with replacement transport.
Breakdown assistance
What does your premium depend on?
Engine capacity and type of machine. A sports bike, a tourer and a custom each have their own pattern of loss and rating.
Place of storage and postcode. A locked garage at the home address is weighed differently from street parking in an urban area.
Security level. An approved lock, an anchor point or a tracking system affect the theft element of the premium.
Declared accessories. Panniers, fairing panels and permanently fitted extras above the standard limit increase the own-damage value.
Annual mileage and seasonal use. A limited mileage or a seasonal form lowers the premium compared with riding all year round.
No-claims years and length of licence. No-claims years built up on the machine and the length of time holding the category A licence determine the step.
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.
Almost always an approved chain lock or disc lock, and on more expensive machines sometimes an anchor point or a tracking system. The requirement appears on the policy schedule or in a clause. Keep the purchase receipt for the lock and both keys to the machine, because they are asked for on a theft claim. Without the keys and without the lock, a rejection normally follows.
Are my panniers and accessories included?
Permanently fitted accessories fall under the own-damage cover up to a standard limit. Anything above that has to be declared with proof of purchase, otherwise only the standard value is paid when a claim is made. Loose luggage in the panniers falls outside the motorcycle policy. For that you look to your home contents or travel insurance. Photograph the machine with all the extras so that the specification is established afterwards.
Can I suspend the registration of my motorcycle in winter?
Yes, suspending the registration lifts the duty to insure, but the machine may then not use the road. Note that fire and theft cover usually lapses on suspension as well, while a machine is precisely stolen while standing still. A seasonal policy does keep that standstill cover in place and is often the more sensible choice on a valuable machine.
Does my cover apply throughout Europe?
Only in the countries on the green card that are not crossed out. The own-damage cover may moreover have a smaller territory than the liability cover. If you ride outside that area, ask for an extension in advance. Also check whether breakdown assistance and returning the machine are included, because that is a separate section and not part of own-damage cover.
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.
