How is the premium of a motorbike insurance determined?

Calculate motorbike insurance 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 registration number, postcode, date of birth and claim-free years

The first step in calculating the premium for a motorbike insurance is to fill in some information about your motorbike. Based on the license plate, we can already find out some information about your motorbike, such as the brand and type. In addition, we need your postcode, house number and date of birth for the calculation. These are all factors that determine the premium. Then you fill in your accrued years without claims. 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 built up? With a few short questions we can make an online estimate for you.

Step 2: Choose your motor insurance cover: third-party, third-party+ or all-risk

The second step is to choose a cover. With motorbike insurance, you can choose from three different types of coverage. Taking out a third-party cover is a legal obligation in the Netherlands. With this coverage you are insured for damage you cause to others with your motorbike. Attention, damage to your own motorbike is not insured with this coverage. For this you need to take out more extensive coverage. Think for example of the WA + limited casco motor insurance. With this, your motorbike is insured in case of theft and fire damage. Are you more of a 'better safe than sorry' type? Then you can take out an All-risk motorbike insurance. This also includes insurance for damage to your own motorbike, for example due to a collision.

Step 3: Select your additional coverages

In addition to the coverage you choose, you can also supplement your motorbike insurance with additional coverage. Of course, this will affect the premium for your motorbike insurance. You can, for instance, insure recourse legal assistance, motor vehicle legal assistance, riders' accident and rider's damage. The more additional covers you take out, the higher the premium.

Step 4: Compare providers!

After filling in this information, you will get a handy overview of all insurers that meet your requirements, including the corresponding premiums. You can then compare these providers on prices and conditions. You do not only want the best motorbike insurance, but preferably also the cheapest. By comparing different motorbike insurances, you can save a lot of money on an annual basis.

Calculate your motorcycle insurance premium directly through Alpina

Calculate the premium for your motorbike insurance directly with our convenient online comparison tool. Did you find the motor insurance of your choice? Then you can directly take out the insurance online. Do you have any questions or do you prefer to conclude the insurance with one of our insurance specialists? Please do not hesitate to 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 motorbike insurance. Maybe your question is already there!