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Discussion Starter #1
Having now relocated to Germany and imported my beloved F4, I can't get it on the road due to the ridiculous insurance prices here.

Most companies won't even quote for insurance against theft :jerkoff: and the others are quoting ridiculous prices. For some it's "too exotic". I know it's an MV but it is built in the EU FFS.

The LAST thing I want to do is trade it in for a Bavarian Motorcycle Wannabe just so I can get insured here. Spring is around the corner and I'm itching to get it on the Autobahn and see if the 300+ km/hr is really true. Maybe not but at least I can give it a try here. :jsm:

So if there are any German owners reading this, what insurance companies do you use?????

Vielen dank im Voraus.

Paul.
 

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Welcome to Germany and to learn that there isn't everything gold whats shining. Peoples in Germany get well hosed by Taxes, Insurers and....
However I fear You have quite some disadvantages compared to some Germans.
I assume You aren't a German, Your drivers license isn't German or You just changed Your foreign drivers license to German license. I such case You will have to pay 100% for the beginning. Might even 125% for the first Year once they consider You a beginner. With the years You pass through without accidents You have to pay gradually lesser. So after 10 Years or so You might pay only 35%.
With Your F4 being well over 100 hp it falls into the highest insurance category for motorcycles.
I guess the Ministries goal is to make it impossible for teenagers to ride Sport Bikes.
So I guess they quote You something around 8000 Euro or even higher, right ?
Ahh, and I fear they will not even consider to offer You just reliability.
No worries a BMW S1000R will be not cheaper to insure.
 

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Having now relocated to Germany and imported my beloved F4, I can't get it on the road due to the ridiculous insurance prices here.


Vielen dank im Voraus.

Paul.
Hi Paul,

sounds strange to me. I've got a F5 from 2004 and I'm spending not more for insurance per year than for an evening at the opera.

There are usualy three schemes:
- Normal, covers your responsibility
- Teil Kaso, above plus fire and theft
- Voll Kasko, includes damage of your own bike.

The 'voll kasko' scheme is of course horribly expensive and some companies do not even offer it. Therefor look out for a tarif on 'teil kaso'. For any further information prefer PN.

Artur
 

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By the way 'Autobahn' is boring. Ok, on a Sunday morning at 5 am you might be able to push your bike to the limit. So you go to the left and shifting whenever the red light reminds you. You might fear that an old man on the right tries to bypass a lorry exactly when you are at his height or you might get a thrill because you did not see the M5 in the mirrors. Anyhow you see only your elbows if you have time.

We have Hockenheim, Nuerburgring, OSL and my preferred is Spa. That is what your bike is build for.
 

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when i moved to germany, i also had the problem that
you need to get a german driving license, and for many
insurances it then counts as if you are a beginner.

but, get a certificate from your old company, about
how many years you were driving without an accident,
and then search for an insurance, which accepts these years.

in my situation, it was 6 years, which dropped the insurance
price from 200% down to 50%, i.e., 4 times cheaper. this fact
applies for both car and bike insurance.

then, as in the post above: there are three options:

Haftpflicht: this is required for everyone and covers damage
you are doing

Teilkasko: this covers theft and some other damage done to your
bike. it is only a slight increase from Haftpflicht, and the option i choose for all my bikes

Vollkasko: all damage is included. also the one, when you drop your bike. no one in germany has this insurances and it is horrible expensive. probably in the range of 2000 -4000 euros for a F4.


my two bikes with state tax, haftpflicht, and teilkasko cost me

- new F4 312 RR: 500 Euro
- Brutale 910 R: 180 Euro

if you have further question you can contact me via pm anytime.
 

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Discussion Starter #7
firedancer I just moved to Leer, Niedersachsen.

Guys thanks for the help and advice, it's quite a shock to go from 480 Euros Vollkasko to 3000!! As for being a beginner, I got my license almost 30 years ago to the day. :wtf:

So Teilkasko it is, then I can get it registered here in Leer. I'm just hoping the number LER MV04 is available. :)
 
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