Haha, yea, keep that in mind. It will keep your nose at the same place where it always has been!
I ride through the winters, except when there is snow or ice on the road. Most Dutch riders don't ride in winters (only with good weather anyways) and just put it somewhere indoor. If you aren't planning on riding during the winter-months some insurances also have the option to put a stop on the insurance. This is part of your policy conditions which holds your insurance for (usually) three monts (december-february). This will cost you less premies and might be a very smart option.
I don't know if keeping it in the outdoors AND in Utrecht for a winter. Locking it VERY good is a must then, especially if you choose to get your bike insured against theft.
This brings me to your second question as well (what a smooth transition, if I may say so myself). The Dutch system knows three options of insurances.
- WA (wettelijke aansprakelijkheidsverzekering = basic liability insurance) which covers only your damage to others.
- WA+ (or WA (beperkt) casco, etc.) which covers damage inflicted on others and when chosen: damage damage to your gear, to others, damage by theft and/or fire. But also to environmental mishaps.
- All-risk, the name says it all: damage to your own and others, etc. etc.
If I were you I'd choose from the two latter, since you live in Utrecht and the big city is full of hazards.
When you have chosen your option, you are not quite there yet. The premies is determined by:
- Value of the to-insured goods, obviously;
- Frequency of payment, per year costs less than per month;
- Damage-free-years (schadevrije jaren): insurance companies give discounts for the amount of years you have had a motorized vehicle registered to your name. The more years without troubles, the less premies you pay. So, in some cases it might be smart NOT to report some damage and just settle it on your own, otherwise your years are starting from 0 or even from a minus-number.
- Personal excess: you can opt a threshold of which the insurance company starts to pay (for instance the first €300,- of damage is for your own). This also will reduce your monthly premies.
Keep in mind that:
* For WA+ and All-Risk insurances may demand certified locks and/or alarms living up to a certain standard.
* A good comparison can be made on the internet. For instance, independer.nl or
https://www.motorverzekering.nl/.
* All Dutch registered and insured vehicles must pay taxes. For Utrecht this is €29,- per quarter year.
To, finally, answer your question. My BMW '99 Funduro costs me (with 2 damage-free-years): €250,- per year. I have insured it WA, with some refund for gear and riders' medical care and gear insurance. I choose to keep it insured throughout the year.
Anymore questions? Shoot!