Motorcycle insurance rates comparison 2018

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Motorcycle insurance rates comparison 2018
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Motorcycle insurance rates comparison 2018

Motorcycle insurance rates comparison 2018
Top offers for 2018

Put your insurance to the test: Is the service good, does it offer everything you need? Or is there a better offer? We took a close look at 34 tariffs and compared the prices. These are our top offers for the 2018 season.

Jorg Lohse

11/08/2017

Tariff calculators are also available for motorcycle insurance like a dime a dozen. But only our comparison evaluates independently and neutrally. The well-known insurance calculators on the Internet can only give a rough guide, because in principle they are nothing more than an insurance agent – only of a purely digital nature. Because behind the comparison portals are companies that collect their commissions when concluding contracts. Since not all insurers get involved in this business model, well-known companies are often missing in online comparisons.

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Top offers for 2018

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The MOTORRAD tariff comparison, on the other hand, does not intend to seduce you, but rather to offer you a transparent comparison option. That is why we have been working with the independent rating agency Franke und Bornberg (franke-bornberg.de) together. The Hanoverian insurance analysts evaluate tariffs and services on the basis of binding sources, which must be mentioned in the contractual conditions.

Sample case for the tariff comparison

Model case for the premium calculation this year is the Honda CRF 1000 L Africa Twin with the following key data: EZ 12/2015, 998 cm³, 70 kW / 95 PS, ABS, new price (2015): 12,400 euros, current value (2017): 10,000 euros . The policyholder is male, 54 years old, has had his driver’s license since 1981 and is the sole user of the bike. The registration area is EU (Euskirchen, zip code 53894), the annual mileage is 10,000 km, as a garage there is only occasionally a tarpaulin under the lantern. We have awarded four- and five-star insurers who would insure this mint condition machine partially and fully comprehensive insurance at particularly favorable conditions below the average prices of our comparison with the “MOTORRAD top tariff”.

The main annoyance of the no-claims class classification

The insurers don’t care about motorcyclists as such. A look at the key statistical data already shows why this is so: In Germany, it is about the compulsory insurance of almost 46 million cars every year. In contrast, the approximately 4.3 million motorcycles look like a laugh. No wonder that this branch is neglected and that many motorcyclists feel like second-class customers.

The main annoyance: the model of the no-claims class division, which is perceived as unjust. This is how the MOTORRAD readership put it when, in last year’s comparison, we asked them where insurance companies should urgently improve: “No matter how many years I have been driving accident-free, I never get below 55 percent with fully comprehensive insurance,” Rainer D wrote . “I have some contracts with 29 years of claims-free history. My motorcycle insurance grants me level ten as the lowest SF class and would downgrade me to four in the event of damage, ”explains Lutz-Henning V.

In fact, many companies are following a recommendation by the Association of German Insurers (GDV), according to which the discount system for motorcycles is to be limited to 13 SF classes. However, it is not allowed to use the same comb now. Because depending on the insurer, the respective SF class conceals different discounts.

However, as long as the insurers do not develop a contract model tailored to the needs of motorcyclists, you as a skilled negotiator will have to continue to build up pressure. You may be able to take out attractive motorcycle insurance through the second car regulation or a combination tariff in conjunction with your car insurance. Of course, there are also insurance agents with an affinity for motorcycles whose shop window is already flashing a serious poster: Bikers welcome! Have you seen one yet? Send it to us wunschtarif@motorradonline.de

The result tables of the 34 compared insurance tariffs for motorcyclists are available by downloading the 8-page PDF, see below.

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