Motorcycle
Insurance 2025
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Motorcycle Insurance Comparison
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Motorcycle Insurance Guide 2025
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:
Security Requirements: Many insurers require Thatcham-approved security devices (alarms, immobilisers, chains) for comprehensive cover. This can significantly reduce premiums and is often mandatory for high-value bikes.
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
Security Devices
Fit Thatcham-approved alarms, immobilisers, and chains. Can reduce premiums by 20-30% and often mandatory for comprehensive cover.
Secure Storage
Store in locked garage, secure compound, or use ground anchors. Street parking significantly increases premiums.
Advanced Training
Complete IAM RoadSmart or ROSPA advanced courses for significant discounts from most insurers.
Strategic Annual Mileage
Accurately estimate annual mileage. Lower mileage = lower premiums, but exceeding limits voids policies.
Bike Choice
Avoid high-performance sports bikes. Naked bikes, tourers and standards cost much less to insure.
Motorcycle Groups
MAG, VMCC or manufacturer club membership often provides group discounts with specialist insurers.
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 security do I need for comprehensive insurance?
Most insurers require Thatcham-approved security for comprehensive cover on bikes over €3,000. This typically means an alarm (Cat 1) plus immobiliser, and often a ground anchor and chain.
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.