Is motorcycle insurance mandatory?
In the Netherlands, it is mandatory to insure any motor vehicle that goes on the road. Taking out motorcycle insurance is therefore mandatory. But why is that? An accident is in a small corner and this can cause eye or injury damage. These costs often add up quickly. With insurance, you are at least covered for the damage you cause to another person. This is because if someone else causes damage to you, it is covered by the other party's insurance. In addition to the mandatory nature of third-party insurance, having good insurance can give you a sense of peace of mind.
What are the consequences of riding without motorcycle insurance?
Once you register a license plate in your name, it is mandatory to have insurance. You are also in violation if you drive without motorcycle insurance. This can have major financial consequences. In addition to the police, the RDW can also fine you. There are four major disadvantages to driving uninsured:
- The RDW can fine you €400 (they can do this three times a year);
- You risk a €550 fine from the police upon arrest;
- Of all the damage you drive, the bill is yours;
- If you continue to drive uninsured for too long, only expensive insurers will accept your application.
Reason enough not to drive without insurance, but to seek proper insurance.
What are the different types of motorcycle insurance and which of these are mandatory?
There are different types of insurance and coverage for a motorcycle. The law requires a minimum of WA (third-party liability insurance). You can also choose from WA+(limited casco) and WA+(full casco or all-risk).
What do the different insurance policies insure?
WA:
- Damage to others
- Damage to others' belongings
WA+ (limited casco)
- What the third-party insurance covers
- Damage to the engine due to fire or theft
- Damage to accessories
WA+ (full-casualty)
- What the third-party and limited-casualty insured
- Damage to the engine that you cause yourself.
Which insurance almost never covers:
- Damage caused by a race or contest
- Damage caused by alcohol medications or drugs
- Driving without a license
- Recklessness
Insurance policies thus differ in premium and have different coverages. So it is important to see what suits you. If you have a motorcycle that is older than 10 years, for most it is enough to take out third-party insurance. Is the motorcycle younger than 10 years? Then it is wiser to take WA+ insurance. always compare insurance policies carefully before choosing something.
Tips on buying motorcycle insurance
- Look and compare insurance policies. This will allow you to make a good choice that suits you as well.
- Look at all the things you want insured and not insured, this can save money.
- What do you use the motorcycle for? Daily use or recreation may also differ in the premium.
- Look at the deductible; this also varies by insurance.
- Look at the service an insurance company offers. Good and fast service is nice in case of damage
Everything taken care of? Many safe and great miles wished!
Take out motorcycle insurance? Welcome at Alpina
Do you still want to purchase motorcycle insurance? Then you have come to the right place at Alpina. At Alpina you always get the most complete insurance for the right price. Do you have any questions about insurance? Please contact us or request a no-obligation quote.
Never underinsured
Put together your own package
A wide range
We compare all insurers for you, saves time again
Help from our experts
Can't figure it out? Our experts are always ready to help you
We can be reached via chat, WhatsApp, phone or email
Questions? Contact us if you want to know more.
We are here Monday to Friday from 08:00 to 18:00.