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
On a motorcycle the chance of injury in an accident bears no comparison with that in a car. The compulsory cover under Article 2 of the Dutch Motor Insurance Liability Act (WAM) pays for the damage you cause to others, including injury to your pillion passenger, because that person counts as a third party. Your own injury falls outside it, even where the other party is liable and the question of fault is being litigated.
You fill that gap with an indemnity policy for occupants or accident cover. In a single-vehicle accident, where there is no other party, that is the only element that pays. In an accident with another party it bridges the period in which liability has not yet been established, and with serious injury that period often lasts years.
The second point is the driving licence category. Riding a machine heavier than your category allows means riding without entitlement. We test the motorcycle product through Turien & Co on the occupant cover and the rider provisions, and set it alongside, among others, NH1816 and a.s.r.
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 Turien & Co'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 Turien & Co
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 Turien & Co 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.
Your own injury does not fall under third-party liability
Third-party liability cover is there for injured parties, and the rider is not one in relation to his own policy. If you hit an opened car door, you have to hold the other party liable under Article 6:162 of the Dutch Civil Code and prove your own loss. An indemnity policy for occupants pays regardless of fault and is therefore more of a necessity than a luxury on a motorcycle.
Licence category A1, A2 or A
The licence determines what power output you may ride. If you get on a machine outside your category, you are riding without entitlement. The insurer does pay third parties' losses, because the WAM requires it, but can then recover the amount paid from you and decline your own damage. The same applies after a change in power output that takes the machine outside your category.
Pillion passenger: covered, but with restrictions
Your passenger's injury falls under the compulsory third-party liability cover. The practical restrictions lie elsewhere: many conditions exclude cover if the machine is not equipped to carry a passenger, for example because the pillion footrests have been removed or the seat has been replaced by a solo cover. Anyone modifying their machine cosmetically therefore has to check whether a passenger may still be carried.
Alcohol, hire and instruction are excluded
Riding under the influence leads to recovery of the loss paid to third parties and to loss of your own-damage cover. The same applies to hiring the machine out, including through a sharing platform, and to giving riding lessons for payment. Intent and recklessness fall outside every cover under Article 7:952 of the Dutch Civil Code. If you lend the machine out, do so only to someone with the correct category.
Replacement transport after a claim
Replacement transport after a claim Stay mobile with replacement transport.
Breakdown assistance
What does your premium depend on?
Licence category and how long it has been held. A1, A2 or unrestricted A, and how long you have held that category, determine which group you fall into.
Power output in relation to weight. It is not engine capacity alone but the power-to-weight ratio that determines the severity of the risk.
Occupant cover included. An indemnity policy for occupants or accident cover comes on top of the premium for the vehicle.
Age of the driver. Young and inexperienced motorcyclists form a separate category, even where they have driven a car for years.
No-claims years transferred. Whether years from a car policy count on the motorcycle differs per provider. We check that in advance.
Type of cover chosen. Third-party liability, third-party, fire and theft or comprehensive. The single-vehicle fall is only in the last of these.
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 do I need occupant insurance if I already have third-party liability?
Because third-party liability cover protects others only. If you are injured in a single-vehicle accident, or the other party cannot be traced or is uninsured, nothing is arranged without additional cover for your loss of income and treatment costs. An indemnity policy for occupants pays regardless of who was at fault and bridges the years in which liability is still being worked out.
May my partner ride my machine?
That is allowed, provided the policy has no restricted rider clause and the rider holds the correct licence category for the machine's power output. Cover in principle follows the vehicle. If someone rides without the required category, liability cover towards third parties remains in place, but the insurer can recover the amount paid and decline the own damage.
Do my car no-claims years count on the motorcycle?
Sometimes, but this differs widely per provider. Some insurers take over years built up on a car policy, others start the motorcycle policy on a step of their own. Whether you may use the years on both policies at the same time is also answered differently. We check this in advance, because the effect on the premium is greater than most other choices.
Am I covered on a motorcycling trip through Europe?
Third-party liability cover applies within the area shown on the green card. Own-damage cover and assistance are a separate question. On a motorcycling trip what matters most is whether the machine is brought back to the Netherlands if it fails and whether transport is arranged for you, because a replacement hire car only half solves the problem of a stranded motorcyclist.
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.
