Cost of motorcycle insurance: what can you count on?
Each month you will pay a cost for motorcycle insurance. The trick is to keep motorcycle insurance costs as low as possible. It sounds like a search, but it's not that bad. At Alpina.nl you can compare multiple insurers and easily choose the most suitable insurance.
What does motorcycle insurance cost and what factors influence the cost?
The monthly cost of motorcycle insurance depends on many factors. These factors vary by motorcycle and person. For a particular brand of motorcycle, the cost may again depend on the type and new value of the motorcycle. For a vintage motorcycle, yet another value may play an important role, namely the appraised value. The age of the regular driver also greatly affects the cost of motorcycle insurance. How many miles per year you drive, your zip code and additional insurance policies are also important premium determining factors.
But the amount of motorcycle insurance premium depends mainly on the coverage you want. You have the following choices:
Do you only use your motorcycle in the summer? Lower costs for your motorcycle insurance
Are you a fair-weather rider? In that case, you can save on the cost of motorcycle insurance. If you do not ride the motorcycle during the period from December 1 to March 1 anyway, you can omit the winter coverage from the motorcycle insurance. The insurer is happy about this because with winter conditions, the risk of an accident is higher compared to the more summery period. The insurer will reward this smaller risk with lower motorcycle insurance costs. An effective way to be cheaper.
What other costs come with having a motorcycle?
We can let you save on the cost of motorcycle insurance, but of course there are more costs. For motor vehicle tax, you should expect to pay between €29 and €31 per 3 months. Depending on how intensively you use the motorcycle, for a reasonable new motorcycle you will end up with about €300 per year for maintenance. For older motorcycles, costs will be higher or even much higher. Do not underestimate the expense of appropriate clothing. You should not skimp on this, because with the right clothing you can avoid serious injury.
A suit alone involves costs from €600 to €1,000Pageview. In total, you are already approaching €2,000. Depending on insurer requirements, the cost of good locks can run into the tens or even hundreds of euros.
Tips to save costs on your motorcycle insurance
Will you never ride in the winter anyway? Then choose motorcycle insurance with a winter break. Do you already have your motorcycle insured? Probably you can get cheaper. The only way to find out is to compare. At Alpina.nl you not only choose the motorcycle insurance at the lowest cost, you also choose the motorcycle insurance with the widest coverage. With claim-free years, you can reduce the premium even further. These can also be accumulated with a car, for example. By using claim-free years, you can take a big bite out of the cost.
What does WA motorcycle insurance cost?
To give you an idea of how much third-party motorcycle insurance costs, we have calculated the costs of two very different situations. The starting points and the results are as follows:
| Make and type of engine | Honda CBF 600S | Kawasaki Z900 ABS |
|---|---|---|
| Year built | 2005 | 2017 |
| New value | €8.300 | €9.600 |
| Daily Value | €1.000 | €6.700 |
| Age of driver | 40 | 40 |
| Accrued claim-free years | 13 | 0 |
| Cheapest third-party insurance | €2.49 p/month* | €6.93 p/month* |
What does a third-party limited liability motorcycle insurance policy cost?
Compared to third-party insurance, it offers broader coverage. For example, damage due to theft is also covered. The wider coverage is available for a slightly higher premium. For this type of insurance we have again compared two motorcycles. You can also see which motorcycle insurance has the lowest costs.
| Make and type of engine | Honda CBF600S | Kawasaki Z900 ABS |
|---|---|---|
| Year built | 2005 | 2017 |
| New value | €8.300 | €9.600 |
| Daily Value | €1.000 | €6.700 |
| Age of driver | 40 | 40 |
| Accrued claim-free years | 13 | 0 |
| Cheapest third-party insurance | €4.23 p/month* | €20.28 p/month* |
| At insurer | The Gouda | Allianz |
What does all-risk motorcycle insurance cost?
All-risk motorcycle insurance (WA + full hull) is the policy with the broadest coverage. In addition to a payout in case of theft, you will also receive your claim if the damage was caused by your liability. This form of insurance is mostly chosen for new motorcycles and for older motorcycles with still a high value. Below is an overview of the premium differences.
| Make and type of engine | Honda CBF 600S | Kawasaki Z900 ABS |
|---|---|---|
| Year built | 2005 | 2017 |
| New value | €8.300 | €9.600 |
| Daily Value | €1.100 | €6.700 |
| Age of driver | 40 | 40 |
| Accrued claim-free years | 13 | 0 |
| Cheapest third-party insurance | €14.68 p/month* | €72.60 p/month* |
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