What does motorbike insurance cost?
Have you just got a new or second-hand motorbike? Then you are obliged to get a motorbike insurance. Because every situation is different, the cost of motorbike insurance can vary. Factors that determine the cost of a motorbike insurance are for example the coverage, your place of residence and the type of motorbike. In this article, you will learn more about the costs of motor bike insurance and what this means.
What is the approximate cost of motorbike insurance?
The cost of motorbike insurance depends on a number of factors. For example, the cover you choose determines the premium. The WA-coverage is mandatory. This means that you are insured in the event that you cause damage to another person with your motorbike. If you choose WA-restricted hull coverage, theft and fire damage are also insured. With WA+casco coverage (all-risk), you are also insured for damage to your own motorbike if you cause an accident. Other factors that determine the cost of a motorbike insurance are:
- The number of claim-free years also determines the premium. The more claim-free years, the more discount you will receive.
- Age of driver. Insurers consider young drivers to be a higher risk. Therefore, the cost of motor insurance for young people is often more expensive than for an older person.
Third-party motor insurance; how much does it cost?
There is no simple answer to the question of what motorbike insurance costs. This is different for each person and situation. In order to give you an idea of the costs of a motorbike insurance, we have provided two examples of fictitious persons.
| Example premiums WA coverage | ||
|---|---|---|
| Brand | Harley Davidson Road King | Yamaha MT-09 |
| Use | Private | Private |
| Cover | Third Party Cover | Third Party Cover |
| Age of driver | 30 | 41 |
| Town/City | 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 motorbike insurance
Damage caused by your motorbike for which you are liable, the insurer pays. Damage caused by your own motorbike will also be covered 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 of the costs of an All Risk motorbike insurance, we have provided two examples of fictitious persons.
| Example premiums WA +Allrisk | ||
|---|---|---|
| Brand | Harley Davidson Road King | Yamaha MT-09 |
| Use | Private | Private |
| Cover | WA+ All-Risk | WA+ All-Risk |
| Age of driver | 30 | 41 |
| Town/City | IJsselstein | De Bilt |
| Claim-free years | 4 | 8 |
| Own risk | €300 | €750 |
| Insurer | Avéro Achmea | Allianz |
| Monthly premium WA+ All-Risk | €124,34 | €26,80 |
Cheapest motorcycle insurance policies 2025
If you are going to take out motorbike insurance, you are probably looking for insurance that is as cheap as possible. Besides that the insurance has to be cheap, it is also important that the insurance fits your needs. We therefore advise you to use a comparison tool. This way you will find out which motorbike insurance suits you best.
| Insurer | Cover | 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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