What additional coverages are available?
With a motorbike insurance you can also choose for a number of additional insurances. These do not cover the motorbike itself, but they do cover the riders, clothing and helmets. You can even choose an insurance for breakdown assistance and legal aid.
Accident insurance
This supplementary insurance pays out a one-off sum if a passenger is killed or permanently disabled as a result of an accident on the motorbike. The payment is independent of the question of guilt. The cover also applies to the driver. Even if the driver himself is liable for the damage, a payment is made. Material damage is not paid by the insurer.
Passenger insurance
This additional insurance is similar to the accident passenger insurance, but the coverage is broader. In contrast to the cheaper accident passenger insurance, this insurance also pays out for material damage to the riders. The cover for personal injury is also much more extensive. The passenger indemnity insurance pays out for the actual financial loss. In the event of incapacity for work, this can amount to hundreds of thousands of euros instead of the maximum tens of thousands paid out by the accident passenger insurance.
Legal aid
With this additional insurance you are entitled to legal assistance in disputes and issues relating to your motorbike. It may concern legal assistance aimed at governmental institutions, but you will also get legal assistance in case of disputes concerning an accident. The legal assistance can for example recover your damage to the motorbike from the person who caused the damage.
Cover for helmet, clothing and shoes
Possessions that become damaged and are not part of the motorcycle cannot be claimed on motorcycle insurance. By choosing this additional insurance, your helmet, clothing and shoes are insured. Attention! Some insurance policies already offer standard coverage up to, say, €750. When this is the case, you will see it reflected when comparing motorcycle insurance through Alpina.nl.
Do you need additional breakdown assistance?
Nowadays, insurers offer the option of including breakdown cover. The costs are often lower in comparison to the companies that specialise in roadside assistance. It's nice to have something to fall back on in the event of a breakdown, especially if the premium is affordable.
We can be reached via Chat, Whatsapp, phone or email
Please feel free to contact us if you would like to know more.
We are here Monday to Friday from 08:00 to 18:00.