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Motorcycle Insurance: A Brief Explanation

  • At Allianz, you can take out your motorcycle insurance online. You can insure your motorcycle or quad with an engine size of 125 cc or more.
  • Motor vehicle liability insurance is legally required for your motorcycle. You can expand the mandatory insurance with partial or fully comprehensive coverage and various add-on modules.
  • Special Allianz benefit: Even with basic coverage, the motorcycle insurance reimburses the purchase or replacement value in the event of a total loss.
  • The cost of Allianz motorcycle insurance starts at €46 per year. You can take out comprehensive all-round protection for your bike annually from €164 .

Services: How can I insure my motorcycle?

You can insure your motorcycle with third-party liability, partial comprehensive, or fully comprehensive insurance. With Allianz, you can purchase your motorcycle insurance online and customize it with additional modules. The type of insurance that makes sense depends, among other things, on the age and value of your motorcycle.

Do I need liability, partial or fully comprehensive insurance for my motorcycle?

Whether you need motorcycle liability, partial coverage, or fully comprehensive insurance depends on your individual protection needs. Your motorcycle and driving behavior also determine which motorcycle insurance makes sense:

  • Legally required for every motorcycle: motor vehicle liability insurance
  • For an older motorcycle: partial coverage motorcycle insurance
  • For a new or leased motorcycle and frequent riders: fully comprehensive motorcycle insurance

Motorcycle liability insurance covers you if you cause damage to third parties. It provides compensation and protects you from unjustified claims.

  • High coverage: Up to €100 million for property damage, and up to €15 million per injured person.
  • Own damages: Up to €50,000 for damage to your own property (e.g. second car, garage door).
  • Mallorca Policy: Raises the coverage of a foreign rental vehicle to German levels (included in motorcycle liability insurance).
  • Additional benefits: Protection for motorcycle helmet with intercom and protective clothing (e.g. armored jacket, motorcycle boots) in accidents caused by third parties.

Partial coverage applies to damage to your motorcycle caused by external factors (e.g. fire, glass breakage, storm, hail).

  • Full coverage for animal damages: Collisions with all animals and animal bites – including consequential damages up to €10,000 (via included marten damage insurance).
  • New vehicle compensation: Reimbursement of new price in case of total loss or theft within 24 months after first registration (applies to both partial and full coverage). Reimbursement of purchase price for used motorcycles up to 24 months after purchase.

Fully comprehensive insurance includes all partial coverage benefits and also protects you from self-inflicted accidents (e.g. engine damage) and vandalism.

  • Extra protection for e-motorcycle insurance: All-risk coverage for batteries and protection of private charging stations (wallbox or induction plate) for fully electric two-wheelers.
  • Protection from cyber or hacker attacks: Covers consequences of software manipulation caused by hackers.

Individual building blocks

The motorcycle breakdown cover is useful if you want to get back on the road quickly after a breakdown:

  • Only €9.90 per year
  • Breakdown assistance up to €100, recovery with no cost limit
  • Towing to a workshop of your choice up to €200
  • Return or onward travel with rental car or train – even air transport from 1,200 km distance

The International Damage Cover applies in the event of an accident abroad that is not your fault:

  • According to German compensation law and standards
  • Up to €100 million in coverage
  • Claims processed directly through Allianz

The Discount Protection ensures that your insurance premium stays stable after a motorcycle accident:

  • Prevents downgrade of your no-claims bonus class (SF class)
  • Applies to one liability claim per year
  • Regardless of the compensation amount
  • Available to drivers over 23 years old with SF class 4 or better