Third-party liability insurance
- Damage to other vehicles
- Injury to third parties
- Damage to buildings and objects
- Damage caused by passengers
Motorcycle insurance through Unigarant
On a motorcycle the rider is unprotected and the vehicle is easy to lift away, and those two features make the cover fundamentally different from a car.
- 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
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
Third-party liability cover is compulsory under Article 2 of the Dutch Motor Insurance Liability Act (WAM) and pays for the damage you cause to others. Your pillion passenger counts as a third party in that: if that person is injured, it falls under your own third-party liability cover. You yourself do not. For your own injury as rider, accident cover for occupants or an indemnity policy for occupants is needed, and on a motorcycle that is not a side issue.
The second difference lies in the pattern of loss. A large part of motorcycle damage arises with no other party involved: a fall on a bend, sliding out on a wet road surface or tipping over on the stand. That is own damage and falls only under comprehensive cover. Theft is the other major item, and insurers almost always attach a requirement about the lock and the storage to it.
Unigarant offers a motorcycle product. We compare the lock requirements, the accessories arrangement and the treatment of seasonal use with other providers. If you also ride a classic, see the classic car insurance.
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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Through Finass or direct with Unigarant?
The structure of the cover in three parts, with an overview per situation below.
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 Unigarant'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 Unigarant |
|---|---|---|
| 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 Unigarant 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.
What does your premium depend on?
- Engine capacity, power output and type. A tourer, a sports bike and a custom each have their own claims frequency and repair cost.
- Value and year of construction. The current value determines the own-damage premium and whether the machine still qualifies for extended cover.
- Age and length of time holding a category A licence. How long you have held category A counts, as does your age when the insurance starts.
- Annual mileage and seasonal use. If you ride only in the summer months, the exposure is smaller than with year-round use.
- Storage and security. A locked garage with an approved lock and possibly a tracking system is weighed differently from a parking space on the street.
- No-claims years and excess. No-claims years built up, including those taken over from a car, and the excess scale chosen feed through directly.
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.
Your own injury does not fall under third-party liability cover
The compulsory third-party liability cover pays only for damage to others. If you come off with no other party involved, there is no liable party and therefore no claim. On a motorcycle the consequences of such a fall are immediately physical. An indemnity policy for occupants pays injury losses for rider and pillion passenger regardless of fault. Without that addition you bear the costs of rehabilitation and loss of income yourself, even where someone else caused the accident but turns out to be uninsured.
Fall damage with no other party involved is comprehensive territory
A motorcycle that goes over on its side almost always sustains damage to fairing panels, mirror, lever and exhaust, even at low speed. There is no other party, so third-party liability and third-party, fire and theft are no help: this falls under comprehensive. Tipping over on the stand or while manoeuvring in the garage belongs there in principle too. Damage arising during maintenance work or at a track day is excluded.
Theft and the lock requirement
Motorcycles are stolen more often than cars and can be lifted by two people. Insurers therefore require an approved lock, usually a certified one, and sometimes a track-and-trace system on more expensive models. If after a theft you cannot produce the lock or the certificate, or the machine stood unlocked in an open shed, there are grounds to decline the claim. The storage address declared has to be correct too.
Motorcycle clothing and accessories are separate sections
Helmet, jacket, trousers, gloves and boots do not belong to the vehicle and do not fall under the own-damage cover. Some insurers offer a separate section for this that pays for damaged clothing after an accident. The same applies to accessories fitted later such as pannier sets, crash bars, a top box, satnav or a modified exhaust: they only count if you declared them when taking out the policy.
Replacement transport after a claim
Replacement transport after a claim Stay mobile with replacement transport.
Breakdown assistance
Frequently asked questions
This is what people ask us most.
Is my pillion passenger insured?
Yes. Your pillion passenger counts as a third party and their injury loss falls under your compulsory third-party liability cover, even where you caused the accident yourself. That does not apply to you as rider: your own injury is covered only through accident cover for occupants or an indemnity policy for occupants. On a motorcycle that is a substantial addition, because a fall almost always causes physical injury.
Am I insured on a track day?
No. Taking part in competitions, speed trials and training on a circuit is excluded under virtually every motorcycle policy, even on a touring run without a classification and even where it is an instruction day. If you want to ride on the circuit, separate temporary cover is needed for that. If you ride without it, both the damage to your machine and to other participants is for your account.
Can I suspend the registration of my motorcycle in winter?
You can have the registration suspended with the RDW (the Dutch vehicle authority), which temporarily lifts the duty to insure under Article 2 of the Dutch Motor Insurance Liability Act (WAM). Riding is then no longer permitted, not even for a single run. Many insurers offer as an alternative a winter break with limited cover against fire and theft in storage. The latter is preferable: with a suspension and no cover, the machine stands entirely uninsured.
Does my motorcycle clothing fall under the motorcycle insurance?
Not as standard. Helmet, jacket, trousers, gloves and boots do not belong to the vehicle and fall outside the own-damage cover. A number of insurers offer a separate section for this that pays for damaged clothing after an accident, usually only where there is a covered collision or fall. Without that section you bear the replacement costs yourself, even where the damage to the machine is paid for.
Every situation is different. For these situations we have a separate page.
- Compare motorcycle insuranceThe main page
- Insuring a motorcycle for business use: purpose of use and securityUse, delivery, riders
- Motorcycle insurance through Vereende
- Insuring your motorcycleThird-party liability compulsory, own-damage cover, theft protection
- Camper van insurance through Unigarant
- Moped insurance through Unigarant
Read more
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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 (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.