Zakelijk • Verkeer • MotorBicycle insurance
Business motorcycle insurance – business motorcycle insurance with WA, WA+ or Allrisk
Rijdt u zakelijk op een motor? Dan wilt u een verzekering die past bij uw gebruik, kilometrage en het Theft and damage risk. Met een business motorcycle insurance insure you at least WA (wettelijke Liability) en – afhankelijk van uw keuze – ook diefstal, brand, storm en aanrijdingsschade via WA Limited Casco or All risk (policy dependent).
Finass Verzekert compares several insurers and checks clauses stable, security, accessories (suitcases, navigation), and – where available – cover for motorcycle clothing/helmet (policy dependent). U ontvangt een voorstel met sterke value for money and clear policy review.
Business motorcycle insurance in brief
Immediately business motorcycle insurance beschermt u zichzelf tegen Liability en – afhankelijk van dekking – ook tegen schade aan uw eigen motor. Door het hogere diefstalrisico zijn stable and security often decisive for acceptance and premium.
Key points to consider
- Theft: locks, storage and (sometimes) track & trace (depending on the policy).
- accessories: suitcases, top case, navigation, exhaust – explicitly co-insure (depending on the policy).
- Usage: business/private, mileage and driver(s).
- Own risk: often separately for theft/window damage (depending on the policy).
Why business motorcycle insurance?
Protect your liability
Damage to third parties can be high. WA is therefore the basis for business motorcycle use.
Theft and damage risk
Motorcycles are susceptible to theft. Good prevention and appropriate coverage limit financial risk (depending on the policy).
Continuity in your work
In the event of damage, you want to drive again quickly. Repairs, replacement transport and breakdown assistance are policy dependent.
✔ Coverage tailored to business use
✔ Clear agreements about prevention and storage
✔ Assistance with damage and policy review
Who is business motorcycle insurance suitable for?
Self-employed & entrepreneurs
- commuting and business trips;
- representative transport to customers;
- mileage and seasonal use.
Couriers & delivery (situation-dependent)
- more intensive use and higher exposure;
- acceptance requirements may be stricter;
- clauses regarding use/area can come into play.
Companies with multiple directors
- multiple employees on one motorcycle;
- clear agreements about directors;
- Claim-free years and bonus/malus.
Business motorcycle insurance coverage: WA, WA+ and Allrisk
Overview of the main points; exact coverage depends on the policy.
Coverage comparison (indicative)
| Coverage | What is usually insured? | When is this often appropriate? |
|---|---|---|
| WA | Damage to third parties (legal liability). | For basic needs or lower engine value. |
| WA Limited Casco | Third party liability + often theft, fire, storm, window damage (depending on the policy). | With higher value or risk of theft. |
| All risk | Third party liability + limited hull + often your own damage due to collision/also your own fault (depending on the policy). | With a more expensive engine or maximum security. |
Indicative; conditions, limits and deductible differ per insurer.
accessories
Suitcases, top case, navigation, windshield, exhaust and accessories may have to be insured separately (depending on the policy).
Motorcycle clothing & helmet
Availability of clothing/helmet coverage varies per insurer (policy dependent). We will check this for you.
Passengers & legal assistance
Consider passenger cover and road legal assistance for extra protection (policy dependent).
Typical risks with business engines
Theft
- high risk in urban areas;
- prevention requirements (lock/chain/anchor) often required;
- storage can be decisive (depending on the policy).
Collision damage
- higher vulnerability of motorcycle and rider;
- repair costs and parts may increase;
- allrisk provides maximum coverage (depending on the policy).
Seasonal use & downtime
- storage in the winter period;
- battery/maintenance and damage prevention;
- mileage and terms of use can play a role.
Conditions & prevention: this way your motorcycle remains well insured
Use and reporting obligation
- correctly declare business use and mileage;
- report changes in director(s);
- report adjustments/accessories;
- storage and security in accordance with policy (policy dependent).
Incorrect reporting may have consequences for coverage and benefits.
Prevention requirements that often occur
- approved motorcycle lock/chain lock;
- fixed object (anchor/pole) when parking (policy dependent);
- lockable storage/garage where possible;
- track & trace for higher values (policy dependent);
- key management and proof of security.
How much does business motorcycle insurance cost?
Premium depends on engine (type/power/value), region, driver(s), claim-free years, coverage, deductible and prevention.
Engine & value
- current value/new price and version;
- power/category (situation-dependent);
- accessories and modifications.
Risk & use
- zip code/theft risk;
- storage and security;
- business use and mileage.
Policy choices
- WA/WA+/All risk;
- passengers, legal assistance, roadside assistance (policy dependent);
- deductible (including theft/collision) (depending on the policy).
Calculate premium or request a quote
Wilt u direct inzicht in uw premie of een passende Quotation? Gebruik de berekenpagina of vraag vrijblijvend een Quotation aan.
Calculate premium Request a quote
Premiums and conditions depend on the insurer and policy.
Damage to your motorcycle: reporting and handling
Step-by-step plan in case of damage
- Safety: Provide safety and medical attention if necessary.
- To establish: photos, information about the other party, witnesses.
- Report: report damage as soon as possible.
- Recovery: recovery route or expertise (policy dependent).
- Administration: invoices, reports, reporting theft.
We assist you with claim, evidence and communication with insurer.
In case of theft
- file a report immediately and note down the file number;
- provide key(s) and security information (policy dependent);
- check compliance with prevention requirements.
Additional insurance that often fits business motorcycles
Traffic legal assistance
For legal assistance in traffic conflicts, recovery of damages and procedures (depending on the policy).
Passenger insurance
For additional cover for injury/damage to driver and passenger (policy dependent).
Roadside assistance
Handy when stationary along the way; conditions and coverage vary per provider (policy dependent).
Frequently asked questions about commercial motorcycle insurance
What is commercial motorcycle insurance?
Een business motorcycle insurance is een motorverzekering waarbij het gebruik (zakelijk/privé), kilometrage en risico worden meegenomen. U kiest WA, WA Beperkt Casco of Allrisk (polisafhankelijk) en bepaalt aanvullingen zoals inzittenden of rechtsbijstand.
Which coverage suits my business motorcycle: WA, WA+ or Allrisk?
WA is de minimale dekking. WA Beperkt Casco is vaak passend bij diefstal/brandrisico. Allrisk is geschikt bij hogere motorwaarde of wanneer u maximale zekerheid wilt (policy dependent).
Is theft insured as standard?
Diefstal is doorgaans niet verzekerd onder WA, maar kan wel onder WA Beperkt Casco of Allrisk vallen (policy dependent). Preventie-eisen (slot/stalling) spelen vaak een grote rol.
What security requirements apply to motors?
Dit is polisafhankelijk. Vaak gaat het om een goedgekeurd Engineslot/kettingslot en soms vastzetten aan een vast object. Bij hogere waarden kan track & trace vereist zijn.
Are accessories such as suitcases and navigation included in the insurance?
This is policy dependent. Accessories often have to be stated separately and insured up to a maximum amount.
What information is required for a premium or quotation?
Meestal: kenteken/voertuiggegevens, waarde/categorie, gebruik/kilometrage, bestuurder(s), schadevrije jaren, stalling/security en gewenste dekking.
Calculate business motorcycle insurance premium
Calculate your premium and compare coverage and conditions for your business motorcycle.
Calculate premium Request a quote
Please note: acceptance and conditions are policy dependent.
Want to take out business motorcycle insurance? Request a no-obligation quote
Wilt u uw motor zakelijk goed en scherp geprijsd verzekeren? Finass Insures helpt u met een passende dekking, heldere voorwaarden en advies over preventie.
Request a quote for business motorcycle insurance
Would you prefer direct personal contact? Call 072 – 509 24 56 or email to info@finass.nl.
