What does motorcycle insurance cost?
Have you just bought a new or second-hand motorcycle? If so, you are required to purchase motorcycle insurance. Because every situation is different, the cost of motorcycle insurance can still vary. Factors that determine the cost of motorcycle insurance include coverage, where you live, and type of motorcycle. In this article you can read more about what motorcycle insurance costs and what this has to do with.
What is the approximate cost of motorcycle insurance?
The cost of motorcycle insurance depends on a number of factors. For example, the coverage you choose determines premiums. The WA-coverage is at least mandatory. This way you are insured at the moment you cause damage with your motorcycle to another person. If you choose a WA limited casco coverage, theft and fire damage are also insured. With a WA+casco coverage ( Allrisk) you are also insured damage to your own motorcycle if you cause an accident. Other factors that determine the cost of motorcycle insurance are:
- Number of claim-free years also determines premium. The more claim-free years, the more discount you get.
- Age driver. Insurers view young drivers as a higher risk. Therefore, the cost of motorcycle insurance for young people is often more expensive compared to an older person.
Third-party motorcycle insurance; what is the approximate cost?
Thus, there is no one-size-fits-all answer to the question of what motorcycle insurance costs. This is different for each person and situation. However, to give you an idea of the cost of motorcycle insurance, here are two examples of fictitious people.
| Example premiums WA coverage | ||
|---|---|---|
| Brand | Harley Davidson Road King | Yamaha MT-09 |
| Use | Private | Private |
| Coverage | Third Party Coverage | Third Party Coverage |
| Age of driver | 30 | 41 |
| Residence | IJsselstein | De Bilt |
| Claim-free years | 4 | 8 |
| Own risk | N/A | N/A |
| Insurer | Nationale Nederlanden | Unigarant |
| Premium per month WA coverage | €17,93 | €5,60 |
Cost of all-risk motorcycle insurance
Damage caused by your motorcycle for which you are liable, the insurer pays. Damage caused to your own motorcycle will also be borne by your insurer. The same applies to damage caused by theft, vandalism and storm, for example. It is the broadest form of insurance. To give you an idea about the cost of All-risk motorcycle insurance, we have here two example fictitious people.
| Sample premiums WA +Allrisk | ||
|---|---|---|
| Brand | Harley Davidson Road King | Yamaha MT-09 |
| Use | Private | Private |
| Coverage | WA+ All-risk | WA+ All-risk |
| Age of driver | 30 | 41 |
| Residence | IJsselstein | De Bilt |
| Claim-free years | 4 | 8 |
| Own risk | €300 | €750 |
| Insurer | Avéro Achmea | Allianz |
| Premium month WA+ All-risk | €124,34 | €26,80 |
Cheapest motorcycle insurance policies 2025
If you are going to buy motorcycle insurance you are probably looking for insurance that is as cheap as possible. Besides the fact that motorcycle insurance should be cheap, it is also important that the insurance suits your needs. We therefore always advise you to use a comparison tool. That way you will find out which motorcycle insurance policy suits you best.
| Insurer | Coverage | Monthly premium | |
|---|---|---|---|
| Unigarant | WA | €5,60 | Calculate premium |
| Nationale Nederlanden | WA | €8,14 | Calculate premium |
| Avéro Achmea | WA | €8,21 | Calculate premium |
| Avéro Achmea Particulier Op Zeker | WA | €8,21 | Calculate premium |
| Allianz | WA | €15,35 | Calculate premium |
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