Classic and modern · accessories · agreed valuation
Insuring a Triumph
A Bonneville, a Speed Triple and a Tiger end up in three different corners at insurers, so with Triumph a premium at brand level tells you almost nothing.
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
Triumph covers three clearly different patterns of use: classic-looking models ridden mainly for short distances on fine days, sporting roadsters where power output determines the rating, and adventure tourers that cover long distances and trips abroad. Insurers look at type, power output and use, not at the make.
For the classic models it comes down to accessories, for the roadsters to power output combined with age and experience, and for the tourers to the territorial limits and what goes wrong on the road. So always ask for a premium on your specific type and year of manufacture.
If you travel abroad on the machine, check three things separately from the own-damage cover: where the policy applies, whether breakdown assistance is included, and whether luggage falls under another policy.
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.
Ask for a premium at type level, not at brand level
Insurers classify machines by engine capacity and power output. Within the same make, one version can fall into a favourable class and another not. A quotation on the brand name is therefore useless for comparison. When applying, give the exact type, the version and the year of manufacture, and compare the outcome per insurer; the weight given to power output differs considerably between companies.
The territorial limits do not automatically cover the whole of Europe
The countries where your insurance applies are shown on the green card. If you ride outside that area, for example towards the Balkans or Turkey, you need additional cover or have to buy insurance at the border. Check this for each trip and not just once, because the list changes. Riding on unpaved ground or off the public road is moreover often separately excluded.
Luggage and the contents of panniers fall outside the motorcycle policy
Own-damage cover relates to the machine and the parts permanently fitted to it. What you carry in the panniers or bags is home contents or travel luggage and falls under another policy. Motorcycle clothing and helmet are not included as standard either. If in a fall you lose both the machine and the contents, those are two separate claims with possibly two different insurers.
Breakdown assistance is a separate module, not part of own-damage cover
If a technical fault leaves you at the roadside, that is not an own-damage claim. Recovery, transport to a repairer, the journey home and repatriation of the machine fall under a breakdown module or under separate assistance cover. On older machines insurers set an age limit for it. If you take it out, check whether it also applies outside the Netherlands and whether it works after a fall of your own as well.
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?
Exact type and model family. A classic model, a roadster or an adventure bike leads to different ratings at the same insurer.
Power and engine capacity. This determines the class. On the sporting versions power output weighs the most.
Declared value of accessories. Exhausts, seats, panniers and lighting only count if they have been declared or valued.
Area of cover. If you regularly ride outside the standard territory, an extension is needed that affects the premium.
Annual mileage. Touring mileage over long distances is assessed differently from short runs in the region.
Age and driving experience. On the sporting models this weighs more heavily than on the classic-looking versions.
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.
Why does the premium differ so much between Triumph models?
Because the classification follows from engine capacity and power output, not from the make. A classic-looking twin and a sporting roadster from the same make sit in different categories. So always ask for a premium on your exact type, version and year of manufacture, and compare it between insurers, because the weight given to power output differs per company.
Am I covered throughout Europe?
Not automatically. The green card shows the countries where your insurance applies. Countries outside it call for additional cover or frontier insurance. Check this for each trip, because the list changes. Note also that riding off the public road, for example on unpaved ground or at off-road training, is usually separately excluded.
Are the contents of my panniers included?
No. The motorcycle policy covers the machine and the parts permanently fitted. Luggage, camping gear and personal belongings fall under a travel or home contents policy. Motorcycle clothing and helmet are not included in own-damage cover as standard either. Some insurers offer an extension for that, sometimes only where the machine was damaged in the same incident.
Is breakdown assistance included in the cover?
Only if you take out that module. A technical fault is not an own-damage claim, so recovery, transport to a garage, accommodation and returning the machine fall under assistance. Check whether the cover also applies outside the Netherlands, whether there is an age limit for the machine and whether help after a fall of your own with no other party involved is included as well.
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.
