Is motorbike insurance without a motorbike licence possible?
You are in the process of getting your motorcycle license. It's going extremely well and you expect to finish with a month. In fact, you already have your eye on a nice motorcycle. You decide not to wait and buy the motorcycle right away. But what about your motorcycle insurance? Can you get it without a valid driver's license? Alpina explains it for you.
Consequences of motorcycling without motor insurance
Don't have a motorbike licence and decide to ride your motorbike anyway? Then you are running a great risk. If you incur damage, you will have to pay for the costs of this damage yourself. This applies to both the costs to yourself and to someone else. These costs can mount up considerably.
Do you decide to drive without a licence even though you are insured? Then the insurance will not pay out after all. Does someone else ride your motorbike who does have a driving licence? Then the insurance will pay for the damage incurred.
Why take out motorbike insurance?
With a motorbike insurance, you are in any case 'assured' that damage to others will be compensated. If you choose an All Risk insurance, you are also sure that damage to you will be compensated (exceptions excluded).
Third-party insurance
Third-party insurance (WA) is the minimum insurance you have to take out. This insurance only covers damage that you cause to others.
WA limited hull insurance
In some cases, the WA limited hull insurance also covers damage to your own motorbike. This can be damage caused by fire, explosion, storm/emergency weather, collision with stray animals and theft. Damage caused by you to another person is also covered. Did you know that this insurance sometimes also covers cases where you do not drive the motorbike? Maybe you have stored the motorbike somewhere and it catches fire. In this case, the damage caused to others is covered. Please note that this can differ per insurer.
All-risk insurance
With the All-Risk insurance, almost all damages are covered. It also covers damage to your own motorbike when you are the one at fault in a collision.
Which insurance is best for you?
When you want to take out a motorbike insurance and you don't have a driving licence, you have to take into account a number of things. For instance, you are never covered if you decide to ride your motorbike. Is your motorbike stored somewhere? Or is your motorbike occasionally ridden by someone else?
Then the WA limited hull insurance is the most logical choice. With this, you are covered when your vehicle is parked and when someone else drives it.
Take out motorcycle insurance? Welcome at Alpina
Get your motorcycle insurance at Alpina now. With Alpina, you will always have the best possible coverage at the most competitive price. All you have to do is fill in your details on our website and we will give you an instant quote for the premium.
Do you have questions about your insurance? Then please contact our customer service. We will gladly answer all your questions.
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