Insure your bike optimally
Discover the customised motorcycle insurance from Nextsure. Tailored protection, digital processes and transparent rates for uninterrupted riding pleasure. Find out more and calculate your premium now!
Tailored Protection
Digital Completion
Transparent tariffs
The motorcycle insurance from nextsure: Safely on the road with two wheels
Individual tariff options tailored to your riding style and motorcycle.
Quick and straightforward claims processing through digital processes.
Attractive conditions and discounts for safety-conscious drivers.
Expert advice from our insurance specialists when needed.
The different types of motorcycle insurance coverage in detail
When choosing your motorcycle insurance, you have various coverage options available to you, which cover different risks. **Liability insurance** is required by law and compensates for damages you cause to third parties with your motorcycle – be it personal injury, property damage, or financial loss. Without this basic protection, no motorcycle is allowed on public roads. **Partial coverage insurance** provides extended protection. It also covers damage to your own motorcycle caused by external factors such as theft, fire, explosion, storm, hail, flooding, or collisions with wild animals. Glass breakage is also often included. The most comprehensive protection is offered by **comprehensive insurance**. It includes all the benefits of partial coverage and also secures damage to your own motorcycle caused by accidents you are responsible for or by vandalism. Especially for new or high-value motorcycles, comprehensive insurance is a sensible addition to avoid being left with high costs in the event of a claim. nextsure helps you find the type of coverage that suits your needs and your vehicle.
Your protection on two wheels
Our motorcycle insurance at a glance
Liability Insurance
Legally required basic protection against third-party damages.
Partial cover
Protection against theft, fire, storm, and wildlife accidents.
Comprehensive insurance
Comprehensive protection even in cases of self-inflicted damage and vandalism.
Coverage Letter
Quick assistance for breakdowns and accidents across Europe.
Driver protection
Financial protection for the driver in the event of self-inflicted accidents.
Season Protection
Flexible insurance for your motorcycle only during the riding season.
Accessories Plus
Extended coverage for fixed and loose motorcycle accessories.
Online Service
Simple contract management and rapid claims reporting, all completely digital.
Excellent advice
Our experts support you with all questions regarding your protection.
Tailored services for carefree driving pleasure and optimal safety.
Ready for the road?
Calculate your contribution now!
How to Determine the Optimal Insurance Coverage for Your Motorcycle
Determining the optimal insurance coverage for your motorcycle is an essential step to avoid being underinsured or overinsured. First, assess the **value of your motorcycle** realistically. Is it a new, expensive model or an older used vehicle? This significantly influences the decision between third-party and comprehensive insurance. Your **personal risk tolerance** also plays a role: Can you handle minor damages yourself, or do you prefer comprehensive coverage? Analyse your **usage habits**: Do you ride daily or just occasionally on weekends? Do you use the bike for long tours or mainly in urban traffic? The annual mileage is also a factor. Additionally, consider who rides the motorcycle. Are you the sole rider, or do other people also use the vehicle? Another aspect is the **parking space**: Is your motorcycle safely stored in a garage or unprotected on the street? All these factors help define individual needs and work with nextsure to put together a tailor-made motorcycle insurance that offers optimal protection at fair conditions.
Cost factors: What affects the premium of your motorcycle insurance?
The premium for your motorcycle insurance is determined by a variety of factors that reflect individual risk. A key aspect is the **type of vehicle and performance (kW/HP)** of your motorcycle; higher performance machines are often associated with higher premiums. The **regional class**, which is based on the accident and claim record of your registration district, also plays a role. Your personal **no-claims discount (NCD)**, which rewards your accident-free years, has a significant impact on the premium amount – the longer you drive accident-free, the cheaper it gets. The choice of **deductible** in the comprehensive insurance directly affects the premium: a higher deductible reduces the contribution but also means higher costs in the event of a claim. The **age of the driver** and the length of time you have held your driving licence are additional criteria; young drivers or beginners often pay more. The **parking facility** (e.g., garage vs. street parking) and the **annual mileage** can also be considered. nextsure analyses these factors transparently to calculate a fair and comprehensible premium for your motorcycle insurance.
Seasonal License Plate vs. Year-Round Registration: Pros and Cons for Bikers
The decision between a seasonal licence plate and a year-round registration for your motorcycle strongly depends on your individual riding habits and preferences. A **seasonal licence plate** enables you to register and insure your motorcycle only for a specific period each year (at least two, maximum eleven months). The main advantage is the **cost savings**, as insurance premiums and vehicle tax are only incurred proportionally for the registered period. Outside this season, there is usually a cost-free dormant insurance that can cover theft or fire damage, for instance. A drawback is the limited flexibility: spontaneous rides outside the season are not allowed. Additionally, there is no need for the annual visit to the registration office for registration and deregistration. The **year-round registration** offers maximum flexibility – you can use your motorcycle anytime, whenever the weather permits. This is ideal for riders who don't want to forego their bike even on mild winter days or use the motorcycle all year round. The costs are spread out over the entire year. Consider how extensively you use your motorcycle and whether the savings from a seasonal licence plate compensate for the limited usage period for you. nextsure is happy to advise you on suitable insurance options for both registration types.
Additional components and optional services: How to personalize your protection
Beyond the basic types of coverage, you can customize your motorcycle insurance with nextsure by adding meaningful additional modules to tailor it to your specific needs. A popular addition is the **Schutzbrief**, which covers roadside assistance across Europe, towing service, recovery costs, and if necessary, rental cars or accommodation costs – a must for touring riders. The **driver protection** is an important supplement that secures the financial consequences of self-inflicted accidents for the driver, such as loss of earnings or conversion costs. For trips abroad, the **foreign claims protection** can be useful, ensuring that you are compensated according to German indemnity law in case of an unjustified accident abroad. If you have valuable **accessories or modifications** on your motorcycle (e.g., special luggage systems, navigation devices, custom paint jobs), you should check whether extended accessory insurance is necessary to adequately secure these assets. Also, a **GAP coverage** for lease or credit-financed motorcycles can cover the gap between the replacement value and the balance due to the creditor in case of total loss or theft. Speak with the experts at nextsure to identify the additional services that are suitable for you and optimize your insurance coverage.
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Be proven right
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Claim: Step-by-step guide for a smooth process
In the event of damage to your motorcycle, a structured approach is crucial for a quick and smooth process. **1. Immediate actions at the accident site:** Secure the accident scene, provide first aid (if necessary), and call the police in the case of personal injury or unclear liability. Exchange personal and insurance details with other parties involved and witnesses. Take photos of the accident situation and the resulting damages. **2. Damage report with nextsure:** Report the damage promptly – preferably digitally through our customer portal or by phone. Have your policy number and all relevant accident details ready. The more precise your information, the quicker the processing can be completed. **3. Required documents:** We will inform you promptly which documents are necessary. These may include the police report, repair estimates, invoices, or photos. **4. Assessment and repair:** Depending on the extent of the damage, an expert assessment may be required. Always coordinate repair measures with us to ensure hassle-free cost coverage. In the case of comprehensive insurance claims, you can potentially benefit from our network of repair shops. **5. Settlement:** Once all documents and circumstances have been reviewed, settlement of the claim will occur according to your policy terms. Nextsure is committed to transparent communication and swift processing, ensuring you are back on the road as soon as possible.
Tips for Optimising Contributions: Smart Ways to Save on Motorcycle Insurance
There are various ways to optimise your motorcycle insurance premium without sacrificing important coverage. A regular **comparison of rates** is essential because terms and offers can change – nextsure offers you transparent digital tools for this. Consider the amount of your **excess** in comprehensive insurance: A higher excess leads to a lower premium, but you will bear a larger portion of the costs in the event of a claim. For older motorcycles, switching from comprehensive to third-party, fire and theft insurance may make sense. Agreeing to a **binding repair shop** can also lead to discounts, but it limits the choice of repair shop. Pay your premium **annually instead of monthly or quarterly** to avoid possible instalment payment surcharges. Consider carefully who should ride the motorcycle: A **restricted group of drivers** (e.g., only the policyholder or partner) can reduce the premium. Participation in a **motorcycle safety training** course is recognised by some insurers. A secure **parking space** like a garage can also have a positive effect on the premium. Use the digital advisory services from nextsure to determine your individual savings potential.
Motorcycle insurance for beginners: Special features and important advice
New motorcycle riders often face higher insurance premiums because statistically they have a higher accident risk. Insurers take this into account when calculating premiums. However, there are certain particularities and tips that beginners should consider. Typically, one starts in a less favourable **no-claims bonus class (NCB class)**, usually NCB 0 or NCB ½, which leads to higher costs. One way to reduce costs is to choose a **motorcycle with lower power (kW/HP)**, as high-performance machines tend to be more expensive to insure. Some insurers offer special **tariffs for young riders or beginners**, which may include more favourable conditions or additional safety benefits. If a parent or partner already has a vehicle insured with the same company, this can sometimes lead to a more favourable classification (check the specific conditions of the second car rule). Participating in a qualified **safety training course** is not only recommended to improve one's skills, but can also lead to premium discounts with some providers. nextsure transparently advises new riders on the various options and helps to find suitable and affordable insurance cover for the start of the motorcycle season.
What documents do I need to take out motorcycle insurance?
nextsure is revolutionising the field of motorcycle insurance as a digital insurance portal. The crucial advantage for you lies in the **complete digitisation** of all processes. From tariff calculations to applications, contract management and claims reporting, you can conveniently do everything online – anytime and from anywhere. This not only saves time but also ensures maximum transparency. You get a clear overview of services and costs and can directly compare different options. Our **online tariff calculators** are user-friendly and guide you step-by-step to the right coverage for your bike. Thanks to our specialisation in niche insurance, we can also offer you tailor-made solutions for your motorcycle that are exactly tailored to your needs. Expert advice is available at any time via chat, email or phone to ensure you make the right decision. The **conclusion process** is designed to be streamlined and efficient, allowing you to obtain your insurance cover quickly and easily. Trust nextsure for your motorcycle insurance and discover how simple and modern insurance can be today.
