Just like a car or a house, a motorcycle is a valuable asset. But it is also a means of transport and that means that there are risks every day that can damage your engine. Because even if you look good yourself, you also have to deal with other road users.
If you want to take out motorcycle insurance, you take out (just like with car insurance) based on your license plate, claim-free years, zip code, number of annual kilometers and your desired coverage. That sounds simple and it is. There is actually still a process ahead of it.
How can you choose well?
There are many different insurance companies in the Netherlands. And even if the starting point is the same, there are certainly differences in the various insurance policies. Differences in coverage and in price. You can’t just compare rates one to one. More aspects are important here. For example, you can take out insurance for a new or used motorcycle. But you can also choose from third-party motor insurance, third-party liability+ or all-risk coverage. Before closing, first determine what you do or don’t want and then the compare motor insurance is a good order.
The difference between WA, WA+ and All-risk motor insurance
If you have a motorcycle that you use on the road, then legal liability (WA) coverage is mandatory. With this third-party liability insurance you are insured for the damage that you cause to other road users. The insurance does not cover damage to your own motorcycle.
A step higher is the WA + also called the WA limited hull motor insurance. In addition to damage to others, this insurance also covers a number of damage to your motorcycle. This means damage caused by, for example, storm and fire. If you have damage to your motorcycle due to an accident, this is not covered by most third-party insurance policies.
If you prefer not to run any risk, the All-risk motor insurance policy gives you the most extensive coverage. With this insurance you are not only insured for damage that you cause to others, but also against damage to your own motorcycle. For example, if you slip on a wet road or if you cause an accident and also damage yourself.
You can compare on premium, coverage and conditions!
It is quite difficult to compare different insurance policies yourself. This is because in order to make a really good comparison, in addition to the premium, you must of course also include the cover. But also the conditions! The latter are sometimes forgotten. In addition, it is wise to compare several insurance policies. The best way is to compare your motor insurance policy based on the conditions and coverage you choose. This way you can see the premium of different insurers that meet your needs. With a motor insurance comparator you can decide for yourself what you want to insure or not. The comparator then looks at the differences and you can compare multiple motor insurance policies in detail on premium, coverage and conditions. The latter is really important because it allows you to see what the differences in premium and conditions are for your desired coverage. This way you don’t compare apples with oranges and you eventually get exactly the motorcycle insurance that suits you well.