Factors that determine the amount of premium for motorcycle insurance
Motorcycling is wonderful. Many people ride motorcycles for fun, but of course it is also convenient. A motorcycle allows you to be more maneuverable in traffic. Of course, there is an insurance requirement when riding a motorcycle (on public roads). But what does motorcycle insurance cost? And exactly what factors does the insurer take into account? Be sure to read along with this article from Alpina!
What does the insurer take into account when setting premium for motorcycle insurance?
Insuring your motorcycle is therefore mandatory (at least third-party insurance). TPL coverage is the lowest coverage, where you are only covered for damage you cause to other road users. Needless to say, the premium for this insurance is also lower than when you choose limited hull or even all-risk. In addition, an insurer always pays attention to your age. Does someone obtain their motorcycle license at the age of 18 and buy a motorcycle right away? Then the premium is a lot higher than when this person is older than 24. The insurer also pays attention to how long you have had your motorcycle license. In addition, there are other things that are paid attention to; but this can vary by insurer and insurance company.
Your motorcycle insurance coverage
WA (mandatory)
- Damage to others
- Theft and Fire Damage
- Damage to one's own motorcycle
WA Limited Casco
- Damage to others
- Theft and Fire Damage
- Damage to one's own motorcycle
WA Full Casco (All-Risk)
- Damage to others
- Theft and Fire Damage
- Damage to one's own motorcycle
Always be honest when applying for motorcycle insurance
Are you applying for motorcycle insurance? Then always make sure that you enter the correct data. For example, transparency regarding claim-free years is very important. Are you considering insuring a child's motorcycle in your name for a better premium? Make sure you clearly indicate that the child is the regular driver of the motorcycle.
Building claim-free years with your motorcycle insurance policy?
Also with motorcycle insurance, just like with car insurance, you build up claim-free years. Every year that you do not claim, you build up another year. Here we speak explicitly of 'not claiming damage'. It may well be that you did make a claim, but the damage was minimal and a private settlement was more advantageous. Ultimately, with each additional claim-free year, you can count on discounts (lower premium).
Policy conditions vary by insurer on motorcycle insurance
It is always a good idea to do good research when buying motorcycle insurance. Because although third-party coverage is the same everywhere, insurers may impose more requirements for higher coverages (limited hull/all-risk). With motorcycles and certainly expensive motor scooters, for example, there is quite often a requirement that you use a certain lock. This is the case with all-risk policies, which also cover the risk of theft. So always read the terms and conditions carefully and make sure there are no surprises!
Get affordable motorcycle insurance through Alpina
Do you want to get good and appropriate motorcycle insurance through a reliable insurance specialist? At Alpina, we offer affordable premiums as well as good coverage. Calculate your motorcycle insurance premium or contact us! If you have any questions, we are always happy to help. Our people will advise you from A to Z when it comes to motorcycle insurance and more. After all, customer focus is high on the list at Alpina.
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