If you’re a motorcyclist, you know how great it is to feel the wind in your face as you ride on the open road. But motorcycling is not without risks. Accidents are unfortunately common and that is why it is important to take out good motorcycle insurance. In this article, we will discuss why motorcycle insurance is so important and the benefits of having motorcycle insurance.
6 important reasons to take out motorcycle insurance
It is mandatory to take out motor insurance. If you ride a motorcycle in the Netherlands, you are legally obliged to take out at least third-party liability insurance. This means that if you are involved in an accident that injures others or damages property, your insurance will cover the costs.
2. Financial Protection
Motorcycle insurance offers financial protection against damage to your own motorcycle and to others. For example, if you are involved in an accident in which your motorcycle is damaged, your insurance will reimburse the costs. Without insurance, you would have to pay for these costs yourself, which can cause significant financial hardship.
3. Extra coverage
In addition to the WA insurance, you can also opt for additional coverage, such as a limited hull insurance or a full hull insurance. These insurance policies offer extra protection for damage to your own motorcycle and any personal property. They also provide cover for theft and vandalism.
4. Medical Expenses
If you are involved in an accident and injured, your motorcycle insurance will often also cover the associated medical costs. This can remove a major financial burden, especially if you are not covered by your health insurance.
5. Legal Protection
Motorcycle insurance can also provide legal protection if you become involved in a dispute related to your motorcycle. This can happen, for example, if you are involved in an accident in which the other party holds you liable for the damage. Your insurer will assist you in this case and help you resolve the matter, provided you have added this cover to your policy
6. Peace of mind
Motorcycle insurance gives you peace of mind and lets you relax and enjoy your motorcycle rides. You don’t have to worry about the financial consequences of an accident.
Types of motorcycle insurance
There are different types of motorcycle insurance available, each with their own advantages and disadvantages. Below you will find an overview of the most common types of motorcycle insurance.
1. Third Party Insurance
The WA insurance is the compulsory basic insurance for every motorcyclist in the Netherlands. This insurance covers the damage you cause to others or their property in the event of an accident. The costs for damage to your own motorcycle are not covered.
2. Restricted airframe
Limited hull insurance offers more coverage than third-party insurance. In addition to coverage for damage to others, this insurance also covers damage to your own motorcycle due to theft, fire, storm or window breakage.
3. Full airframe
Full hull insurance offers the most comprehensive coverage for damage to your own motorcycle. In addition to coverage for theft, fire, storm and window breakage, this insurance also covers damage to your own motorcycle through your own fault.
Frequently asked questions about motorcycle insurance
1. Is motorcycle insurance compulsory?
Yes, motorcycle insurance is mandatory in the Netherlands. If you ride a motorcycle, you are legally obliged to take out at least third-party insurance.
2. What is the difference between third-party insurance and hull insurance?
Third-party insurance only covers damage you cause to others or their property in the event of an accident. Casco insurance offers extra coverage for damage to your own motorcycle and any personal belongings.
3. What are the benefits of motorcycle insurance?
Motorcycle insurance offers financial protection, additional coverage, medical expenses coverage and legal protection. In addition, it offers peace of mind, allowing you to relax and enjoy your motorcycle rides.
Why should you take out motor insurance? The answer is simple: for your own safety and financial protection. With motorcycle insurance you are able to absorb the financial consequences of an accident and protect yourself against unexpected costs. In addition, it offers peace of mind, allowing you to enjoy your motorcycle rides relaxed.
As a motorcyclist you are vulnerable on the road. An accident can happen to anyone, even if you drive carefully. It is therefore very important to take out motorcycle insurance that suits your personal situation. This way you are well protected against unexpected costs and you can enjoy your motorcycle rides carefree.
Hopefully this article has helped you answer the question: Why do you need to buy motorcycle insurance? Don’t forget to compare the different types of motorcycle insurance and take out an insurance policy that suits your wishes and needs. Wishing you many safe and pleasant kilometers!