Motorcycles
Legal Liability
It is the law in the Netherlands that every motorcycle should have Legal Liability insurance (at the least). Such legal liability insurance policy will of course only offer cover for damage done to the other party when you are responsible for the accident. If your motorbike does not have much value, this type of coverage might be adequate.
Legal Liability-extra
If, on the other hand, your motorcycle still has a considerable value, it is possible to increase your liability cover to Legal Liability-extra. Other names used for this type of policy are LL-top, LL-success, LL-minicasco, or LL-plus.
With that policy you will have insured your motorcycle against a good number of unfortunate events, the most important one being theft. These policies usually require you to pay a deductible first.
All-risk/Comprehensive Insurance
Which leaves with the comprehensive all risk type of policy for the newest and more valuable motorcycle. It includes everything from the Legal Liability policy as well as the LL-extra policy, but then rendered even more comprehensive by adding coverage for vandalism and collisions. It is pretty much as the name suggests: all risks (well, almost all risks) are insured.
Extra coverage
- Many motorcycle insurers offer assistance when your bike can no longer ride as the result of an accident, locally or internationally. Usually this includes taking the damaged motor to the nearest repair shop and provides taxi service for the driver.
- It is customary for the driver’s protective clothing to be insured as well if the motorcycle has been damaged by an accident. This also applies to legal liability only policies!
Premium
As is so often the case, the insurers of motorcycles in the Netherlands have very different ways of calculating their premium amounts. That makes it difficult for us to provide you with a listing in our site. But we would be happy to search out the most advantageous solutions for your particular situation. That’s our job! In order to do so effectively, we will need some information from you. Please call us or send us an email.
Discount
Motorcycle insurance also offers a discount for driving without damage, which can add up to 75%. Here also is a beginner’s discount. For example, someone who is 35 years of age is often able to start out with a discount of up to 50%. There even are a few cases where the 75% discount can be applied from the outset. To give you a proper estimate of what the discount will be we will need the following information:
- Driver’s age
- Any accumulated accident-free years earned with a motorcycle policy
- The discount already in place for any automobile insurance
- Whether you have the NVVM Certificate for ‘improved driving skills’?
When you provide us with the above we will be able to email you back with a premium quote promptly.
