How much does scooter insurance cost?
The exact cost of scooter insurance depends on various factors, such as your age, where you live, the type of scooter, the coverage you want, and the number of claim-free years you’ve accumulated. The monthly premium also depends on your scooter’s list price.
Your scooter insurance coverage.
WA (mandatory)
- Damage to others
- Theft and Fire Damage
- Damage to own scooter
WA Theft and Fire
- Damage to others
- Theft and Fire Damage
- Damage to own scooter
WA Theft, Fire and Collision
- Damage to others
- Theft and Fire Damage
- Damage to own scooter
The best coverage for your scooter: liability, partial coverage, or comprehensive coverage
The best coverage for your scooter depends on its value and how you use it. Third-party liability insurance is the basic coverage. This coverage is required by law. It is the most affordable option, but it only covers damage you cause to others while riding your scooter.
Partial coverage also includes protection against theft, fire, and storm damage, among other things, which is a good middle ground for most scooters. If you have a new or expensive scooter, comprehensive coverage is often the best choice, because it also covers damage to your own scooter caused by an accident, for example, even if it’s your own fault. By carefully considering your situation and budget, you can choose the coverage that best suits your needs. Do you have an older model scooter? In that case, third-party liability insurance may sometimes provide sufficient coverage.
Additional coverage
Accidental occupants
Legal Aid
The cheapest liability, limited comprehensive, and full comprehensive insurance policies in 2026
| Insurer | Coverage | Price per month | Own risk |
|---|---|---|---|
| Unigarant | WA | €10,67 | n/a |
| Nationale Nederlanden | WA | €18,78 | n/a |
| Unigarant | WA+ limited comprehensive insurance | €27,08 | €350 |
| Unigarant | All risk | €29,44 | €350 |
Average monthly cost of scooter insurance
In the Netherlands, the average monthly cost of scooter insurance is usually between €10 and €40, depending on various factors such as your age, place of residence, type of scooter, and the number of claim-free years. Younger drivers and people living in urban areas often pay higher premiums because the risk of damage or theft is considered to be higher.
In addition, the type of coverage you choose plays a major role: liability insurance is the cheapest option, while comprehensive insurance can be significantly more expensive. By comparing insurers and choosing the right coverage, you can keep your monthly costs as low as possible.
Cost of scooter insurance per year
You can determine the payment term of your scooter insurance. This can be per month, quarter, six months or per year. An annual payment is then generally cheaper than a monthly payment.
You don't save money by choosing scooter insurance with limited coverage. You save money by comparing insurers. On our comparison site, you can compare multiple insurers at once. That way, you can find out which scooter insurance best suits your needs.
The impact of claim-free years
Claim-free years are years in which you do not file a claim with the insurer. This earns you a no-claims discount, which is a reduction in your premium. If the scooter insurance is in your parents’ name, you will miss out on the no-claims discount and your premium will be higher for future insurance policies. You accumulate separate claim-free years that can only be used for scooter and moped insurance. You cannot carry them over to future car insurance.
Scooter insurance for a 16-year-old
In the Netherlands, you may drive a scooter if you have a scooter license and are at least 16 years old. Make sure the scooter is insured before you ride it. Scooter insurance for a 16-year-old is relatively expensive. This is because the risk for insurers is very high. Also, 16-year-olds have not yet accumulated any claim-free years. Damage-free years give a discount on the premium of a scooter insurance.
Purchase scooter insurance through Alpina
Do you still have questions after reading this information? If so, please contact us. We’re happy to help! You can reach us Monday through Friday between 8:00 AM and 6:00 PM.
Frequently Asked Questions
What is the cheapest scooter insurance?
The cheapest scooter insurance is third-party liability insurance, which only covers damage to others. Premiums for this type of coverage often start at around €5 to €10 per month, depending on your age, the type of scooter, and where you live. This basic coverage is mandatory and ideal for older or less expensive scooters.
How can I save money on my scooter insurance?
You can save money by comparing different insurance policies, opting for liability coverage, and skipping any additional coverage. Choosing a higher deductible or paying annually instead of monthly can also result in a discount. Young drivers often pay more, so driving without accidents will also help in the long run.
Why do costs vary by insurer?
Insurance companies use their own risk profiles, coverage terms, and premium calculations. Factors such as claims history, scooter type, region, and the level of coverage chosen all play a role. That’s why it pays to compare multiple providers; premiums can vary significantly for exactly the same coverage.
Does my age affect the cost of scooter insurance?
Yes, age is an important factor. Young people under the age of 24 often pay higher premiums because, statistically speaking, they are at greater risk of causing accidents. Older drivers usually benefit from lower premiums, especially if they have a clean driving record.
How much does insurance cost for an electric scooter?
For an electric scooter, the premium is often slightly lower than for a gas-powered scooter, because electric scooters generally travel at lower speeds and cause less damage. Third-party liability insurance for an electric scooter starts at an average of around €6 to €12 per month, depending on your profile and the model.
Never underinsured
Put together your own package
A wide range
We compare all insurers for you, saves time again
Help from our experts
Can't figure it out? Our experts are always ready to help you
We can be reached via chat, WhatsApp, phone or email
Questions? Contact us if you want to know more.
We are here today until 6 p.m.