Third-party liability
- Compulsory from registration onwards
- Damage to other vehicles
- Injury to third parties
Insuring a Yamaha
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.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
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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
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.
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Yamaha: what is covered?
The structure of the cover in three parts, with an overview per situation below.
Third-party, fire and theft
Theft, fire, storm and glass damage.
- Theft with an ART lock
- Fire and storm
- Collision with animals
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.
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.
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.
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.
Frequently asked questions
This is what people ask us most.
Does anything change if I move to a heavier type?
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.
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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.