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
Third-party liability cover on a motorcycle is compulsory under Article 2 of the Dutch Motor Insurance Liability Act (WAM) and continues for as long as the registration is in your name, including in the winter months. Above that, at NH1816 you choose third-party, fire and theft or comprehensive. For motorcyclists the difference lies above all in the single-vehicle fall: that falls under comprehensive and not under third-party, fire and theft.
During the storage period the risk shifts to theft, fire and damage in the garage. Motorcycles are light enough to be lifted, which is why insurers set requirements for the lock, the anchoring and sometimes a tracking system. In the riding season there is the added question of what happens to your equipment: helmet, suit and gloves are not part of the machine.
We test NH1816's motorcycle version on its treatment of accessories, the theft conditions and the valuation basis, and set it alongside other providers such as Turien & Co and De Goudse.
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 NH1816'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 NH1816
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 NH1816 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.
Third-party, fire and theft does not cover a fall
A machine that goes down on a gravel strip or on a bend without anyone else being involved produces own damage for which there is no other party. Third-party, fire and theft has only named causes such as fire, storm, theft and glass damage; your own fall is not among them. Anyone who tours regularly therefore usually ends up with comprehensive in practice, even on a machine that is a few years old.
Helmet and motorcycle clothing fall outside the own-damage cover
Your equipment is not part of the vehicle. Many policies pay for helmet and clothing only where there is a covered collision at the same time, and then up to a limited amount. Wear, a dropped helmet without an accident and theft of clothing from a top box generally fall outside. So ask expressly about the equipment section before you go on the premium.
Theft from your own garage
Own-damage cover on a motorcycle is conditional. Insurers usually require an approved lock, often combined with a ground anchor or chain, and sometimes a tracking system on heavier machines. If the machine stood unlocked in an unsecured shed, that is a ground for rejection. Keep the certificates for the lock and the security separately; after a theft the insurer asks for them first, together with both keys.
Circuit runs and speed trials are excluded
Taking part in competitions, time trials, speed trials and training on a circuit falls outside the cover, even on a touring machine and even where it is a private track day. Rider training on a closed site without timing is often permitted, but that differs per insurer. Report a planned track day in advance; afterwards there is no room left to put this right.
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 power. Power output in relation to weight determines how heavy the category is that the machine falls into.
Type of machine. A tourer, a naked bike, a superbike and a custom each have a different pattern of loss and different repair costs.
Driving licence and driving experience. How long you have held the motorcycle licence, and in which category, weighs more heavily than on car insurance.
Annual mileage. Many machines cover a limited mileage in a short season. That declaration helps determine the premium.
Security and storage. A lock, ground anchor, tracking system and whether the machine is kept indoors are often a condition for own-damage cover and not merely a discount.
Accessories covered. Pannier sets, exhausts, fairing panels and satnav only count if they were declared on the application.
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.
Can I insure my motorcycle more cheaply in winter?
Some insurers have a winter arrangement under which cover in the storage months is limited to fire, theft and storm damage at a lower premium. The third-party liability cover then continues, which is necessary as long as the registration is not suspended. If you do suspend the registration, the duty to insure lapses, but you are then no longer covered for theft from storage either.
Is my pillion passenger insured?
A passenger's injury falls under the compulsory third-party liability cover, because the passenger is a third party. Your own injury as rider falls outside it. If you want to cover that, accident or indemnity cover for occupants is needed. For motorcyclists that is a real point, because injury in a single-vehicle accident is entirely for your own account.
Do my accessories count in the insured value?
Only if you have declared them. A list price assumes the standard specification, so a modified exhaust, a pannier system or altered handlebars are not included in it. Report these parts on the application and keep the invoices. Without that declaration you are paid the value of a standard machine after a theft.
What happens if the machine breaks down abroad?
That is dealt with by assistance cover, which is separate from own-damage cover. Establish in advance whether only recovery to the nearest workshop is covered, or also transport of the machine back to the Netherlands and transport for yourself. On a motorcycling holiday the latter is the most important part, because otherwise you are left without transport hundreds of kilometres from home.
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.
