Many riders stay with Yamaha for years but do change type, and it is precisely at such a change that mistakes arise around premium class, no-claims years and market value.
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Work out for yourself what it would cost.
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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
Yamaha supplies everything from light machines to superbike models, and insurers classify those by engine capacity and power output. So there is no such thing as a premium for the make. What this page covers is not the first policy, but what changes when your situation changes: a heavier type, a second machine alongside, or a machine now old enough for a different form of policy.
At each of those moments the same rule applies: cover does not follow automatically. Report a change of vehicle in advance, so that the new machine is on the policy from the first moment and the premium class is right.
Finally, on older models watch the distinction between damage caused by an event and damage caused by wear or deferred maintenance. The latter is insured nowhere, whatever form of cover you choose.
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.
Moving to a heavier type is not an administrative swap
If you move from a middleweight to a superbike, the risk class changes and with it the premium and sometimes the underwriting. Report the change before you ride. A policy does not follow automatically to another registration. On a jump in power output, insurers also look at how long you have held the category A licence. A mid-term change can moreover produce a new security clause.
A second machine alongside the first
If you keep the old machine, you have two registrations and therefore two covers. Your no-claims years can only be linked to one vehicle at a time. The second policy starts at an entry step, or through a second-vehicle arrangement if the insurer has one. Both machines have to meet the security and storage requirements set, including the one that stands idle for most of the year.
Older models and a policy with a mileage limit
From a certain age, insurers offer a youngtimer or enthusiasts' form with a limited annual mileage and requirements for storage. That can work out well, but the clause is binding: if you ride more than agreed, that shows from the odometer reading when a claim is made and the payment can be reduced. On sought-after versions it pays to have the value fixed rather than settling on market value.
Wear and technical faults are covered nowhere
Own-damage cover pays for damage caused by a sudden event, not for defects that arise gradually. A blown engine, a worn clutch, rust, corrosion and the consequences of deferred maintenance fall outside the cover everywhere, including under comprehensive. If a technical fault causes a fire, the fire damage itself can be covered while the defective part is not. Keep maintenance records.
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 version. Within the same make the classes vary widely. The type designation is decisive.
Power and engine capacity. This determines the risk class and, on a change, whether the insurer accepts.
Year of manufacture and value payable. On older machines settlement is on market value, unless the value has been fixed.
Declared annual mileage. Under a form of policy with a mileage limit this is a clause and not an estimate.
No-claims years and the linked policy. The years are in Roy-data and can be linked to one vehicle at a time.
Storage and security per vehicle. If you have several machines, the requirements apply to each registration separately.
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.
Yes. The risk class follows from engine capacity and power output, so the premium changes and sometimes the underwriting too. Report the change before you use the new machine. A policy does not move automatically to another registration. On a big jump in power output the insurer also looks at how many years you have held the category A licence.
Can I insure two machines on the same no-claims years?
No. No-claims years can be linked to one vehicle at a time and are recorded in Roy-data. For the second machine you start at an entry step, unless your insurer has an arrangement for a second vehicle belonging to the same owner. Ask about that before you take out the second policy, because the difference in rate is considerable.
When does an older Yamaha qualify for a youngtimer policy?
From the age the insurer applies, usually combined with a limited annual mileage and requirements for storage. That mileage agreement is binding and is checked against the odometer reading when a claim is made. On a sought-after version it is sensible to have the value fixed in advance, so that settlement does not come out at a low market value.
Is engine damage from a technical fault covered?
No. Own-damage cover is intended for damage caused by a sudden external event or by an insured occurrence, not for wear, corrosion or the consequences of deferred maintenance. That applies under comprehensive too. If a fault causes a fire, the fire damage can be covered while the part that caused the fire is not.
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.
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