A guide to buying motorcycle comprehensive insurance online, with an analysis of the numbers: theft statistics, prices based on value, and a clear answer to when comprehensive insurance pays off.
• 2026-04-03
A sunny April morning. After a long winter break, you finally pull your bike out of the garage, start the engine, and feel that familiar vibration beneath you. The road is clear, the mood is great. The turn. Gravel. Motorcycle on its side.
The driver is alive, with a few scratches. Motorcycle - €3 800 damage.
If you had CASCO, the problem was solved by insurance. If you didn't, your bank account solved the problem.
That's all the difference. But does everyone really need kasko? Doesn't it make economic sense for everyone? The numbers have the answer.
Before we get to the numbers, let's quickly clear up a major confusion that many motorcyclists have.
Civil liability (CA) - is a compulsory insurance policy that every motorcycle on the road must have. It covers damage caused byOthers - to their vehicle, property or health. Nothing to your own motorcycle.
Kasko - voluntary insurance foryours to protect your motorcycle.
Civil liability | Kasko | |
Mandatory? | ✅ Yes | ❌ No |
Covering harm to others? | ✅ Yes | ❌ No |
Does it cover damage to your motorcycle? | ❌ No | ✅ Yes |
Theft? | ❌ No | ✅ Yes |
Falling without fault? | ❌ No | ✅ Yes |
Natural disaster, vandalism? | ❌ No | ✅ Yes |
The bottom line: CA protects others from you.Kasko - you from everything else.
The year 2024 brought a paradox: the total number of deaths on Lithuania's roads dropped by a quarter - and that's a good thing. But for motorcyclists, the situation is quite the opposite.
Compared to the 2021-2023 average,the number of motorcycle and moped riders injured has increased by 30%. And here's another worrying fact:36% of all injured motorcyclists were novice riders. (Agency for Transport Excellence, 2024)
When do disasters usually happen? Data shows that the most dangerous months areMay and September - start and end of the season.Insurance company Gjensidige" data shows that in 2024, the highest number of accidents involving motorcyclists occurred in these months. The reason is simple: after a long break, drivers have forgotten their skills and motorists are not used to seeing motorcycles on the road.
And another figure from the same company:In four years, insured motorcyclists caused 462 accidents, with claims amounting to €645 000. - on average around €1,400 per event.
The number of new motorcycles registered in Lithuania is steadily increasing.13% more new motorcycles registered in 2025 than in 2024. - 2 041 and 1 805 units respectively("Regitra", 2025). The most popular manufacturers are CFMOTO, Honda and BMW.
This means more and more new, more expensive motorcycles on the road. And a more expensive motorbike means more financial risk.
There is no universal answer here, but there are clear situations whereCascomakes economic sense.
The threshold at which CASCO starts to pay off is roughly5 000-6 000 € Market value of the motorcycle. If the motorcycle is worth €9,000 and the insurance costs €400 per year, you pay €2,000 over five years. One serious fall or theft and the insurance has already paid for itself.
A simple calculator:
Motorcycle value: 8 000 €
Cost of CASCO: ~ €350-450/m.
Average repair bill after an accident: €1,400-4,000
In case of theft: the whole motorcycle
Is it worth the risk?
Urban traffic is all about minor injuries, congestion, overlooked obstacles, bicycles and pedestrians. The chances of minor but annoying damage in a city are incomparably higher than on a motorway. And these "minor" damages can add up to a hefty sum.
The statistics speak very clearly here. 36% of all injured motorcyclists in Lithuania are beginners. This is not an accusation - it is simply physics: less skill, less intuition on the road. If you are a beginner, kasko is not a luxury, but a sensible solution.
Most banks and leasing companies make CASCO insurance a mandatory condition. If you buy a motorcycle with finance, it is probably already compulsory by contract.
A motorbike parked outside is much more vulnerable to theft, vandalism and weather conditions. If the motorcycle is parked in the yard or outside the house at night, the risk of theft is real.
Away from home, damage automatically becomes a big problem. Even if your insurance covers CA damage to others, arranging repairs to your motorcycle in another country without CASCO can become a nightmare.
There are situations where it really doesn't pay - and that's worth being honest about.
If the motorcycle is worth €1,500-2,500 and the insurance costs €300-400 per year, the figures simply don't work. Over a few years, you pay as much as the motorcycle itself is worth. It is financially more sensible to simply put this amount aside as a "repair fund".
Indicative threshold: when the cost of insurance is more than 8-10% of the annual value of the motorcycle, it is usually not worth it.
If a motorcycle is ridden 10-15 times per season on short routes, the statistical risk of an accident is significantly lower. Fewer kilometres = less chance = less need for insurance.
If you can afford to cover the repair bill from your savings without major consequences for your quality of life, you can opt out. The key question is: would a damage of €2,000-4,000 mean a financial hit today?
If your motorcycle is parked in a secure, locked garage during the winter and at night, the risk of theft is dramatically reduced. This eliminates one of the biggest reasons for the need for a CASCO.
Insurance companies are not always willing to insure very old models, especially if it is difficult to determine the market value or if the supply of spare parts is limited.
Many people buy a policy thinking that they are now protected against absolutely anything. Unfortunately, this is not the case - and it is important to know this before you take out a policy.
The most common exceptions are:
Driving without a valid category
- if you drive a category A motorcycle with only a B licence, the insurer may refuse to pay out.
Alcohol or drugs
- no exceptions. If you are found to be intoxicated, the ban is not valid.
Driving on the race track
- Even if it's a private track or track day, many policies don't cover it.
Deduction of depreciation
- the insurer pays the market value, not the new value. If the bike is 3-4 years old, the amount received will be less than expected.
Franchise
- is the amount you first pay yourself. For example, if the franchise is €300 and the damage is €800, you only get €500.
What to check before buying:
When comparing policies, pay particular attention to the following points:
What is a franchise and can it be reduced?
How is the damage assessed - market value or replacement value?
Is roadside assistance included?
What is the procedure in case of damage?
Have you decided that Casco is right for your situation? Here's how to make the right choice:
1. Estimate the market value of a motorcycle today - not the price you paid two years ago, but the current price. Check the classifieds portals.
2.Get at least 3 offers - prices can vary significantly even for identical motorcycles. Don't settle for the former.
3. Compare franchises - lower excess = more expensive policy, but fewer "surprises" after a claim. Choose according to your financial situation.
4. Check damage assessment procedures - is it assessed by the insurer's expert, or is an independent assessment possible? The difference can be significant.
Casco is not a one-size-fits-all answer. It doesn't really pay off if you drive an old motorcycle on rare occasions and can afford to cover the damage yourself.
But if your motorcycle is expensive, you ride often, you're a beginner or you just want peace of mind - CASCO is a rational financial decision, not just a matter of emotions.
The final question to ask yourself:
If you called your insurer tomorrow morning to report a claim, would you want to hear "We'll cover it" or "Sorry, but you don't have insurance for this event"?
The numbers answer themselves. All you have to do is listen to them.
