Motorcycle insurance

Our motorcycle insurance covers privately owned motorcycles, A1 motorcycles, mopeds, ATVs and snowmobiles. Check your price in the webshop (Norwegian only) or call our customer center.

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See what the insurance covers FAQ

Why choose If?

The benefits of our MC-insurance

Get help 24/7
No matter when an accident happens, we will be available and do everything we can to assist you.
Same bonus as your car
If you already have a car, you’ll get the same bonus on your motorcycle insurance as you have on your car.
Accident insurance for driver and passenger included
Financial security for you and your passenger in case of a traffic accident.

Included in the insurance

What does the MC insurance cover?

Choose an insurance that matches both your MC and your needs. If you have any questions, please call us at 21 49 24 00 and we will be happy to help you.

Comprehensive	Partial comprehensive	Liability
Included	Included	Included	Covers damage to other’s vehicle or property.
Included	Included	Included	Covers bodily injury liability, including driver and passengers.
Included	Included	Not included	Damage due to fire, explosion and lightning. Also covers damage caused by earthquakes, floods, storms and landslides.
Included	Included	Not included	The repair or replacement of your motorcycle if it is stolen or damaged by theft or vandalism.
Included	Included	Not included	Personal belongings and legally permitted equipment up to a total of NOK 40 000. Also includes protective gear, such as your helmet and riding suit
Included	Included	Not included	Roadside assistance if your motorcycle breaks down or is involved in an accident. Applies throughout Europe, as well as at your own home.
Included	Not included	Not included	Covers damage to your own motorcycle if you drive off the road, roll over with the motorcycle or are involved in a collision.
Optional	Not included	Not included	Covers the cost of repair if your motorcycle’s engine, transmission or axles break down before the motorcycle is eight years old. Battery and electronic control units are also covered. The coverage can be bought for motorcycles not older than seven years. The coverage can be bought by contacting our customer service centre on 21 49 24 00.

Buy MC insurance online

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Frequently asked questions

What does it cost to insure a motorcycle?

The price depends on various factors such as the type of motorcycle, where you live, and the rider’s age.

Since most people use their motorcycle mainly during the spring and summer season, we calculate the price accordingly. This means that the cost of insuring a motorcycle is highest during the months when usage and the risk of damage are greatest, and lower during the off-season months.

Should I deregister my motorcycle for the winter?

By deregistering your motorcycle, you avoid paying the traffic insurance tax and third-party liability insurance for the period the motorcycle is deregistered.

However, we recommend keeping comprehensive insurance all year round. This provides financial protection in the event of fire, natural disasters, theft and/or vandalism, or other unexpected damage that may occur while your motorcycle is in storage.

How is bonus on motorcycle insurance calculated?

For each claim-free year, you receive a 10% bonus. You can earn up to a total of 75% bonus on your motorcycle insurance.

How the bonus is calculated:

You receive a 60% starting bonus.
You are guaranteed a minimum bonus of 40%, even if you have a lower bonus with another insurance company.
If you have a higher bonus with another insurer, we will match that bonus when you switch to us.
The bonus increases by 10% for each year without a claim, until you reach 70%.
After three claim-free years at 70%, the bonus increases further to 75%.

If you insure an additional vehicle (car or motorcycle), you receive the same bonus on that vehicle as long as it is registered to the same owner, spouse, or cohabiting partner.

What is the deductible in the event of a claim?

You choose the deductible yourself. The higher the deductible you choose, the lower the cost of your motorcycle insurance. The lowest deductible is NOK 2,000 and the highest is NOK 25,000.

Exceptions:

The deductible for motorcycle theft is reduced by NOK 2,000 if the motorcycle was secured with an FG-approved lock.
There is no deductible when using third-party liability insurance.
For roadside assistance, the deductible is NOK 750.

What is the traffic insurance tax?

In 2018, the authorities decided that the annual road tax would be renamed the traffic insurance tax, and that insurance companies would collect the tax together with the insurance payment.