Insuring a Motorcycle Without a Driver's License

What types of coverage can I purchase?

When taking out motorcycle insurance, you can choose from three different coverage options: Third-Party Liability, Third-Party Liability + Limited Comprehensive, and All-Risk. The most comprehensive coverage is All-Risk coverage. With this coverage, the insurer will, for example, also pay for damage to your own motorcycle even if the accident was your fault. You can also file a claim with the insurer in the event of fire or theft of the motorcycle. With Third-Party Liability and Limited Comprehensive coverage , the insurer also pays out in the event of fire and theft, as well as for a number of other causes of damage. Coverage against theft is particularly important, as the risk of theft is high for motorcycles. The most limited coverage, third-party liability motorcycle insurance, only covers damage you cause to others. Damage to your own motorcycle is therefore never covered under this policy.

Consequences of Riding a Motorcycle Without Motorcycle Insurance

Of course, you’re not allowed to ride your motorcycle without a driver’s license. If you don’t have a driver’s license yet but decide to ride your motorcycle anyway, this can have serious consequences—not only is it dangerous, but it’s also a criminal offense. Furthermore, motorcycle insurance does not provide coverage if you ride a motorcycle while you do not yet have a driver’s license. This means you’ll have to cover the costs yourself if you cause an accident. This applies to both the costs of your own damage and damage to another party. The insurer will compensate the other party for the damage but will then seek reimbursement from you. So, you’ll still end up paying the costs yourself.  Is someone else riding your motorcycle who does have a driver’s license? In that case, the insurance will cover the damage incurred.

Where can I insure a motorcycle without a driver's license?

Many traditional insurers will insure your motorcycle, even if you don’t have a driver’s license. At Geennee.nl, we always try to place you with a traditional insurer at standard rates first. That’s why we always recommend using our online comparison tool first. Enter your information, choose the best motorcycle insurance policy, and answer all of the insurer’s questions truthfully. If that doesn’t work out, we can always place you with De Vereende. Because De Vereende specializes in unusual claims and risks, even people without a driver’s license—or those with a suspended license, acriminal record, or a history ofnon-payment—can get coverage there.

Do you have any questions? Please contact us. We’re happy to help! You can reach us Monday through Friday from 8:00 a.m. to 6:00 p.m. at 088-6883700.