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Elite 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.
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
Fit Thatcham-approved alarms, immobilisers, and chains. Can reduce premiums by 20-30% and often mandatory for comprehensive cover.
Store in locked garage, secure compound, or use ground anchors. Street parking significantly increases premiums.
Complete IAM RoadSmart or ROSPA advanced courses for significant discounts from most insurers.
Accurately estimate annual mileage. Lower mileage = lower premiums, but exceeding limits voids policies.
Avoid high-performance sports bikes. Naked bikes, tourers and standards cost much less to insure.
MAG, VMCC or manufacturer club membership often provides group discounts with specialist insurers.
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.
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.
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.
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.
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.