Riding a motorcycle means freedom on two wheels, but it also brings particular risks that call for a carefully chosen policy. Whether you ride a sports bike, a classic tourer or a commuter machine, motorcycles are a fixture on German roads, and insuring them follows its own rules.
Motor third-party liability insurance (Kfz-Haftpflichtversicherung) is compulsory by law in Germany for motorcycles too. It protects other people from the consequences of accidents you cause with your bike. If you also want to cover your own vehicle, consider partial cover (Teilkasko) or fully comprehensive cover (Vollkasko). Partial cover pays for damage from theft, storm, hail, flooding, collisions with game and broken glass. Fully comprehensive cover also pays for accidents you cause yourself and for vandalism.
One point to look at with motorcycle insurance is seasonal registration: many riders only use their bike in the summer months. A seasonal registration lowers your premium without weakening your cover during the season. Suspending fully comprehensive cover over the winter break is also a common option.
There are further points as well, such as cover for riding gear, which can cost a lot after an accident. In some tariffs, quality helmets, leathers and protective equipment can be insured too.
We advise you on all of it, from the compulsory cover to the Kasko options and seasonal adjustments, so you can enjoy the season without worry.
Motorcycle insurance benefits
Motor third-party liability (Kfz-Haftpflicht):
- Property damage: up to 100 million euros
- Personal injury: up to 15 million euros per injured person
- Environmental damage: up to 5 million euros
- Own damage (your own property): up to €100,000
- Protection for your motorcycle helmet, including intercom system
- Protective motorcycle clothing (armoured jacket, boots) after accidents caused by someone else
- Mallorca policy included (raises the sum insured for foreign rental vehicles to the German level)
Partial cover for motorcycles (Teilkasko):
- Fire, scorching and charring damage
- Explosion, lightning strike or short circuit
- Animal bites and collisions with animals of all kinds (including consequential damage)
- Marten damage insurance included
- Natural hazards (storm from wind force 7, hail, flooding, avalanches, volcanic eruption, earthquake)
- Glass damage with no excess when repaired
- Theft and robbery
- Clothing cover for damage or theft
- New-price compensation for a total loss within 24 months of first registration
- Purchase-price compensation for a used motorcycle up to 24 months after purchase
- Extra cover for electric motorcycles (Komfort/Premium): consequential damage to the battery from animal bites and short circuits, overvoltage damage, new-price compensation for the battery up to 36 months, charging cable insured against theft
Fully comprehensive cover for motorcycles (Vollkasko):
- Includes all partial cover benefits
- Accidents you cause yourself
- Vandalism
- Grossly negligent acts (we waive the gross negligence defence)
- Cyber or hacker attack (manipulation of the vehicle software)
- All-risks cover for electric motorcycles (Komfort/Premium): all-risks cover for the battery, damage to the wallbox or induction charging plate
Further benefits in all Kasko tariffs:
- Update guarantee (improvements are applied automatically)
- Delivery and registration costs (up to €1,000 for delivery, up to €200 for registration)
- Damage while using a ferry (general average, Havarie-Grosse)
- Special equipment included (up to €20,000 for tuning)
- GAP cover (difference cover) for leased or financed vehicles
- Dormancy cover free of charge for up to 18 months
Add-on modules:
- Premium Schutzbrief (breakdown cover): breakdown assistance up to €100, recovery with no cost limit, towing to the workshop of your choice up to €200, onward or return journey by rental car or train, repatriation by plane from 1,200 km
- AuslandsSchadenSchutz: benefits paid under German damages law, cover up to 100 million euros
- RabattSchutz: prevents a downgrade of your no-claims class, applies to one liability claim per year, available from age 23 with no-claims class (SF-Klasse) 4 or better
Motorcycle insurance everyday examples
The insurance pays if:
- The expensive luggage case on your bike is damaged after an accident
- Your bike is in a private parking space and a fire destroys it (from Teilkasko)
- You cause an accident because you missed a red light. Allianz does not reduce benefits for damage caused by gross negligence
- A horse runs in front of your motorcycle. Allianz pays for collisions with game as well as with other animals
- You leave the road or damage your motorcycle while manoeuvring (with Vollkasko)
The insurance does not pay if:
- You take part in a motorcycle race where top speed is the aim
- You take your motorcycle off the road for longer than 18 months
- You ride your motorcycle outside the season period and have an accident
- Your bike tips over while you are transporting it privately on a trailer
Insuring your motorcycle cheaply
Register your motorcycle with a seasonal plate: if you only register your bike for the spring and summer months, you pay insurance premiums and vehicle tax for those months only.
Choose a high excess on motorcycle Kasko: the more you pay yourself after a Kasko claim, the lower the premium.
Saving money as a new rider:
- Insure your motorcycle through your parents: young riders get cheaper tariffs if they insure their motorcycle with their parents' car insurer as a child customer or second vehicle.
- Insure your motorcycle as a second motorcycle: new riders who already have a vehicle insured with Allianz get discounted terms.
Also worth considering: private accident insurance and traffic legal protection insurance for bikers. Accident insurance protects you in accidents you cause yourself. Traffic legal protection insurance helps with disputes about buying a motorcycle, repairs, accidents and proceedings with the authorities.
