Motorcycle
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Motorcycle Insurance Comparison
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Motorcycle Insurance Guide 2026
Third Party (Mandatory)
- Third Party Only: Required by law for all Germany motorcycles
- Minimum coverage: €1.2M property damage, unlimited personal injury
- What's covered: Injury/damage to other people and their property
- Typical cost: €150-400 for experienced riders with NCB
- Without insurance: €300 fine + 6 points minimum penalty
Comprehensive Coverage
- Third Party, Fire & Theft: Basic + fire damage and theft protection
- Comprehensive: Full protection including accidental damage
- Personal Accident: Medical cover for rider injuries
- Accessories Cover: Protection for custom parts and equipment
- European Cover: Insurance for riding abroad (90 days)
Expert Advice for Motorcycle Riders:
Seasonal Plates (Saisonkennzeichen): In Germany, you can register your motorcycle with seasonal plates (e.g., March-October) and pay reduced insurance premiums. This can save you up to 40% on liability insurance during winter months.
German Motorcycle Insurance Costs (2025)
125cc Scooter/Bike
Third Party Fire & Theft, 5 years NCB
€150-300
per year
600cc Sports Bike (Yamaha R6, Honda CBR)
Comprehensive, 5 years NCB
€400-800
per year
1000cc+ Superbike (BMW S1000RR)
Comprehensive with extras, 5 years NCB
€800-2,000
per year
Young Rider (17-25) - 125cc
Third Party Only, No NCB
€500-1,500
per year
Money-Saving Strategies
Seasonal Registration
Use Saisonkennzeichen (seasonal plates) for 6-8 months. Save up to 40% on liability premiums during inactive winter months.
Garage Storage
Store in locked garage for better rates. German insurers reward secure parking with premium discounts of 10-20%.
Safety Training
Complete ADAC or DVR safety courses (Sicherheitstraining) for discounts from German insurers.
Annual Kilometers
Accurately estimate annual kilometers. Lower mileage (under 6,000 km) means lower premiums in Germany.
SF Class Transfer
Transfer your car's SF-Klasse (no-claims class) to your motorcycle insurance for significant premium reductions.
Higher Deductible
Choose higher Selbstbeteiligung (deductible) of €150-500 in comprehensive to reduce premiums by up to 20%.
Expert Answers
Do I need insurance for a 125cc motorcycle?
Yes, third party insurance is mandatory for all motorcycles and scooters in Germany, regardless of engine size. This includes 50cc mopeds and 125cc bikes used on CBT licences.
Why is motorcycle insurance so expensive?
Motorcycles have higher accident rates and theft risks than cars. Young riders, sports bikes, and urban areas carry particularly high premiums. However, experienced riders with security measures can get competitive rates.
Can I ride other people's motorcycles?
Some comprehensive policies include 'riding other motorcycles' cover, but this is usually third party only and the bike owner must have their own insurance. Always check policy details first.
What factors affect my premium in Germany?
German insurers consider your SF-Klasse (no-claims class), garage storage, annual kilometers, rider age, motorcycle type (kW/ccm), and regional class (Regionalklasse). Using seasonal plates can significantly reduce costs.
Should I insure modifications and accessories?
Yes, declare all modifications and add accessories cover for expensive items like exhausts, screens, panniers etc. Undeclared mods can void your entire policy, even for unrelated claims.