Third-party liability
- Statutory minimum cover at every insurer
- Postcode has a limited effect
- Helmet and clothing not covered without casco
Compare motorcycle insurance
For the same motorcycle and the same rider, the premium can differ by more than five times between city and village; after that, the lock requirement, depreciation and winter arrangement decide what you actually pay.
- 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.
Which details do we ask for?
Personal quote request. A no-obligation request: nothing is taken out automatically. After sending you receive a reference number and a confirmation by e-mail.
- First and last name (required)
- Date of birth (required)
- E-mail address (required)
- Phone number (required)
- Postcode (required)
- House number (required)
- Suffix
- Address check
- Would you like to include any other insurance? (required)
Additional questions follow per chosen insurance.
- Household composition (required)
- Occupation or activities (required)
- Preferred start date
- Already insured?
- Is there anything we should know? (required)
- Comments
- Have you, or anyone else with an interest in this insurance, been in contact with the police or judicial authorities in the past 8 years? (required)
- Has an insurance policy ever been cancelled, refused or terminated due to fraud, or are you registered in the incident register? (required)
- I agree to the privacy statement, declare that the information is correct and complete to the best of my knowledge, and understand that this quote request does not yet provide insurance cover. (required)
Additional questions follow per chosen insurance.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
With motorcycle insurance, your postcode carries more weight than with a car. In early 2026 Overstappen.nl compared the same 2023 BMW for a 37-year-old rider with five no-claims years (schadevrije jaren): third-party liability (WA) plus limited comprehensive (beperkt casco) cost € 109.86 a month in The Hague and € 16.46 in Giethoorn, a difference of more than 567 per cent. The cause is theft: in 2025, 419 motorcycles were registered as stolen or missing in Amsterdam, compared with one in Giethoorn. Nationally almost 2,000 motorcycles disappeared in 2024, of which around 22 per cent were recovered, against almost half for passenger cars.
Unlike scooter insurance, where the registration plate and the lock requirement drive the premium, the difference with a motorcycle lies in depreciation and accessories. A new-value arrangement (nieuwwaarderegeling) runs for three years at Centraal Beheer, FBTO, OHRA and Allianz via the KNMV; at other insurers depreciation applies after twelve months, for example 1 per cent a month up to 36 months, with a ceiling of around € 30,000 list value. Helmet and clothing are often covered as standard up to € 1,000 and accessories up to € 500; if you have panniers, an exhaust and navigation, you need to declare them.
Every insurer requires at least an ART-4 lock. Some, such as Inshared and ZEKUR, require the motorcycle to be anchored to a fixed point; others ask for a second lock or an SCM alarm on motorcycles worth € 15,000 or more and less than five years old. We compare on these requirements, the winter arrangement and the excess, which ranges from € 0 to € 250 per claim.
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?
Which cover suits you depends on the value and age of your motorcycle; for each level of cover, insurers differ on different points.
Third-party, fire and theft
With limited comprehensive, everything revolves around theft: the city-village gap is largest here, and lock requirements and depreciation determine the payout.
- ART-4 lock required everywhere, anchoring not everywhere
- Second lock or SCM alarm for an expensive young motorcycle
- Excess from € 0 to € 250 per claim
Comprehensive
Comprehensive (allrisk) adds damage from the bike falling over, and the new-value arrangement becomes the key difference; the city-village gap here was € 31.16 a month.
- New value for 12 to 36 months, sometimes up to € 30,000
- Depreciation of 1 to 1.5 per cent a month afterwards
- Declare accessories above € 500
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
What to look for in practice when comparing motorcycle insurance.
New value, purchase value or current value
Your new € 18,000 motorcycle is stolen after twenty months. With an insurer offering a three-year new-value arrangement, you get the list value back. With an insurer that depreciates 1 per cent a month after twelve months, you get 8 per cent less, so € 16,560. If you bought the motorcycle second-hand from a BOVAG dealer, a purchase-value arrangement often applies: the purchase price for twelve months, then for example 1.5 per cent depreciation a month, and only with the original invoice. At many insurers, imported motorcycles fall under current value straight away. When comparing, ask about the arrangement that fits your purchase, not just about the term new value.
Lock requirements that decide the payout
All motorcycle insurers require an ART-4 certified lock in addition to the steering lock. The difference lies in what comes on top. Inshared and ZEKUR require the motorcycle to be anchored to a fixed point with the lock; OHRA, Univé, Centraal Beheer, FBTO, Nationale-Nederlanden, ASR and Unigarant do not. Nh1816 asks for a second ART-4 lock or an SCM alarm fitted by an approved installer when the insured value is € 15,000 or more and the motorcycle is less than five years old, and in the event of theft you must show that the lock was on or the alarm was active. If your motorcycle is parked on the street in a city, this matters more than a few euros of premium.
Winter lay-up or year-round cover
Many motorcyclists do not ride from December to March. ANWB, ASR and Allianz via the KNMV give a winter lay-up discount of 10 per cent on the annual premium; Inshared, Univé and OHRA let you drop temporarily to the lowest level of cover, and Univé already factors the lay-up into the monthly premium. No insurer covers you if you go for a ride during the lay-up anyway. If you suspend the registration with the RDW, you pay no road tax and no WA premium, but you then also have no theft or fire cover in storage unless you take out storage cover. Work out both options against how you ride.
Accessories, helmet and clothing
An average set of clothing with helmet, jacket, trousers, gloves and boots easily costs more than the € 1,000 that Inshared, Univé and OHRA reimburse as standard; Nationale-Nederlanden, Centraal Beheer and FBTO offer optional cover up to € 3,000 or unlimited. Clothing is also only covered after an insured event on the public road in which the motorcycle is damaged as well. Accessories are usually covered free up to € 500; panniers, crash bars, a sports exhaust and navigation above that amount must be on the policy schedule, are only reimbursed after theft with original invoices, and are paid at current value after twelve months. Add up your extras before you compare premiums.
Frequently asked questions
Questions motorcyclists ask when comparing insurance.
How much does motorcycle insurance cost?
That depends mainly on your postcode, age, no-claims years and the motorcycle. As an indication from the 2026 Overstappen.nl study: for a 2023 BMW and a 37-year-old rider with five no-claims years, WA plus limited comprehensive cost between about € 16 a month in a village and almost € 110 a month in The Hague. WA on its own differs much less. A 22-year-old rider without no-claims years pays considerably more. We calculate the premium at several insurers for your situation.
How do I find the cheapest motorcycle insurance without poor terms?
First decide on the cover that suits the value of your motorcycle and the lock requirement you can meet; an insurer that requires anchoring is of no use if you park on the street. Then compare within that group on premium, excess and winter arrangement. Bring the no-claims years from your car if the insurer allows it, and choose a voluntarily higher excess if you can bear small claims yourself. A low premium with a short new-value arrangement costs more after a theft than it saves.
Can I insure a motorcycle for business use?
Yes, a motorcycle registered to your company or used for courier or delivery work falls under business motorcycle insurance. Insurers assess that use more strictly than private riding and do not accept delivery services everywhere. Declare the actual use, because cover may lapse after damage during a delivery run on a private policy. No-claims years from a private motorcycle can often be transferred if you are the regular rider yourself.
How do I take out motorcycle insurance and when does cover start?
You need the registration number, your driving licence, your number of no-claims years and a list of accessories. Cover can usually start the same day; the insurer checks the no-claims years with Roy-data. For an expensive or young motorcycle, the insurer asks for proof of the lock or the alarm certificate before casco cover applies. We handle the application and the cancellation of a current policy, so that you are never uninsured for a day.
Why is my motorcycle insurance more expensive than a friend's?
Usually because of the postcode. In the Overstappen.nl study, the gap between a large city and a village rose to more than five times the premium for the same motorcycle and rider, because by far the most motorcycles are stolen in Amsterdam, Rotterdam and The Hague. Age, no-claims years, list value and engine power also count. Almost half of motorcycle licence holders are over fifty and therefore pay less than a young rider on the same motorcycle.
Is switching motorcycle insurance difficult?
No. After the first year, most motorcycle policies can be cancelled at any time with one month's notice, and your no-claims years are transferred via Roy-data. When switching, watch two things: a new-value arrangement does not restart with the new insurer but counts from the purchase date, and a new insurer may set a stricter lock requirement than the old one. We align the start date with the end date of your current policy.
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 (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.