How is motorcycle insurance premium determined?

Calculate a motorcycle insurance policy in 4 steps

Before you purchase motorcycle insurance, you will of course want to know what you will pay in premium each month. By calculating the premium in advance, you will have a good idea of the monthly cost of your motorcycle insurance. To give you a hand, we at Alpina have created a step-by-step plan. In 4 easy steps you can calculate the premium for your motorcycle insurance:

Step 1: Enter your license plate number, zip code, date of birth and claim-free years

The first step in calculating your motorcycle insurance premium is to enter some information about your motorcycle. Using the license plate number, we can already find out some information about your motorcycle, such as the make and type. In addition, for calculation purposes, we still have your zip code, house number and date of birth. These are all premium determining factors. Next, you fill in your accumulated claim-free years. The more claim-free years you have, the more premium discount you will receive. Don't know exactly how many claim-free years you have? With a few short questions we can make an online estimate for you.

Step 2: Choose your motorcycle insurance coverage: third-party, third-party+ or all-risk

The second step is to choose coverage. With motorcycle insurance, you have a choice of three different coverages. Taking out third-party coverage is required by law in the Netherlands. With this coverage you are insured for damage you cause to another person with your motorcycle. Note, damage to your own motorcycle is not insured with this coverage. For this you need a more extensive coverage. Think for example of the WA + limited casco motorcycle insurance. This insures your motorcycle in case of theft and fire damage. Are you more the "better safe than sorry" type? Then you can take out an All-risk motorcycle insurance. With this, damage to your own motorcycle, for example by a collision, is also insured.

Step 3: Select your additional coverages

In addition to the coverage you choose, you can also add additional coverages to your motorcycle insurance policy. Of course, this will affect the premium for your motorcycle insurance. For example, you can include recourse legal assistance, motor vehicle legal assistance, passenger accident and passenger damage. The more additional coverages you take out, the higher the premium.

Step 4: Compare providers!

After filling out this information, you will get a handy overview of all the insurers that meet your needs, including the corresponding premiums. Then you can compare these providers on prices and conditions. Of course, you not only want the best motorcycle insurance, but preferably also the cheapest. By comparing different motorcycle insurance policies you can save a lot of money on an annual basis.

Calculate your motorcycle insurance premium directly through Alpina

Calculate your motorcycle insurance premium instantly with our convenient online comparison tool. Have you found the motorcycle insurance of your choice? Then you can take out the insurance directly online. Do you still have questions or would you rather conclude the insurance with one of our insurance specialists? Then please contact us! You can reach us by phone at 088 - 6883700 or send us a message via chat, WhatsApp and Messenger. Also take a look at our frequently asked questions about motorcycle insurance. Maybe your question is already among them!