Third-party liability
- Damage to other vehicles
- Injury to third parties
- Compulsory from registration onwards
Compare motorcycle insurance
A motorcycle stands still for half the year and is at its most vulnerable during that period. That makes suspension and storage more important for the premium than they are on 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
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
- 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
Motorcycle insurance requires third-party liability cover as soon as the registration is in your name. Alongside that you choose third-party, fire and theft: theft, fire, storm and glass — or comprehensive cover, under which damage caused by your own fault is paid for as well.
Theft is the dominant risk on motorcycles. Insurers therefore almost always require an an ART-approved lock, often of a particular category, and sometimes a tracker on higher values. Without that lock, theft cover is worthless.
What people consistently forget: motorcycle clothing and helmet are not covered by motorcycle insurance and usually not by home contents insurance either once you are on the road. After a fall that easily means a suit, boots, gloves and helmet you have to buy again.
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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What does motorcycle insurance cover?
The structure of the cover in three parts, with an overview per situation below.
Third-party, fire and theft
Damage to your own machine from external causes.
- Theft and attempted theft
- Fire and storm
- Collision with animals
Comprehensive
Also damage through your own fault and single-vehicle falls.
- 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 damage 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?
- List price or valued amount: the main basis for calculation
- Engine capacity and power
- No-claims years: often transferable from your car
- Annual mileage
- Storage and security. ART lock, tracker, locked space
- Age and driving experience
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.
Suspending saves premium, but not everything
If you do not ride in winter, you can suspend the registration with the RDW (the Dutch vehicle authority). The third-party liability obligation then lapses and you pay no road tax. But the risk of fire and theft in storage remains; storage cover keeps precisely those two covered. Without it, your machine stands uninsured in the shed all winter.
The lock decides whether a theft is paid
Virtually every insurer requires an ART-approved lock, often category 4 or higher, and on more expensive machines a tracker or locked storage as well. Keep the purchase receipt for the lock and both keys. When a claim is made they are the first thing asked for.
Clothing and helmet belong separately on the policy
Motorcycle clothing does not fall under the own-damage cover for the machine. Some insurers offer an extension for clothing and helmet, sometimes only in combination with an accident in which the machine was damaged too. A complete suit plus helmet quickly comes to more than a thousand euros.
Classics deserve an agreed valuation
If your machine is more than fifteen or twenty-five years old, a youngtimer or classic policy with limited mileage can be considerably cheaper. For restored or sought-after models a valuation is essential. Without one you are paid market value, and that does not do justice to what has gone into it.
Frequently asked questions
This is what people ask us most.
Can I suspend my motorcycle in winter?
Yes, with the RDW. The third-party liability obligation then lapses and you pay no road tax. Fire and theft in storage do remain a risk. There is storage cover for that.
Which lock does the insurer require?
Almost always an ART-approved lock, usually category 4 or higher, and on more expensive machines a tracker as well. Keep the purchase receipt and both keys.
Are my clothing and helmet included?
Not as standard. Some insurers offer an extension for it, sometimes only where the machine was damaged too. Ask about it expressly.
Can I use my car no-claims years?
With many insurers you can, or they take them into account in the rating. They are recorded in Roy-data and cannot be used on two vehicles at once.
May I take the car on a track?
Not under an ordinary policy. Circuit use and speed competitions are excluded everywhere. For touring days there are separate one-day policies.
When does comprehensive cover make sense?
On a new or valuable machine, and certainly where it is financed. Rule of thumb: once the own-damage premium over three years approaches the market value, it no longer pays.
Every situation is different. For these situations we have a separate page.
- Insuring a BMW MotorradR, S and F series, accessories, theft protection
- Insuring your motorcycleThird-party liability compulsory, own-damage cover, theft protection
- Insuring a motorcycle for business use: purpose of use and securityUse, delivery, riders
- Insuring a DucatiSporting, high list price, maintenance
- Insuring an IndianCruiser, high value, add-ons
- Insuring a Royal EnfieldAccessible, A2, classic looks
- Insuring a KawasakiFrom Z to Ninja, prone to theft, young riders
- Insuring a TriumphClassic and modern, accessories, agreed valuation
- Insuring a YamahaA broad range, from scooter to superbike, theft
Insurers we compare
A selection. Which insurers appear in your comparison depends on your situation and the cover you choose.
Read more
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. Last updated on .
The information on this page is general in nature and is not personal advice.