Moped insurance

Moped insurance does not have to be expensive, but the moped has to be well insured. You can compare a good moped insurance for a low premium. We can help you with that.

What is moped insurance?

It is compulsory to take out moped insurance. The obligation applies to the WA-coverage. This insurance covers the costs caused by liability of the insured moped. The person who has the moped in his name is obliged to take out the compulsory insurance. In the event of an accident with the moped, the other party can make a claim directly to the insurer.

What cover does our moped insurance have?

There are four different types of insurance that you can choose between when taking out moped insurance. The most limited cover is the third-party insurance. This coverage can be supplemented with:

• Theft - in addition to civil liability, theft of the moped is also insured
• Theft and fire - additionally insured fire
• The most comprehensive cover - Theft, fire and collision. This coverage is the so-called WA + full casco insurance or also called the all-risk moped insurance.

Are you curious about the level of premium for these coverages? You can calculate it on Alpina\.nl.

Which cover suits you and your moped?

Of course you would like to have the most comprehensive moped insurance, but the premium has to be reasonable. For a moped with a low value, you will not pay a sky-high premium. A new moped should be insured with the most extensive insurance. A moped with a value of only a few hundred euros should only be insured against third-party liability. In other cases, you have to compare and make a choice based on the level of the premium.

Tips for cheap moped insurance

You can opt for a more limited form of insurance to save on premiums, but that is not the right way to go. By comparing you can also save a lot, but without compromising on the quality of the insurance. You can also reduce the premium by adding years of non-life insurance or by switching to a different moped insurer.

Reducing the premium with claim-free years

Damage-free driving is rewarded in motor insurance, and that is also the case for moped insurance. With a number of accumulated claim-free years, you can build up an interesting insurance discount.

Switching to a different moped insurance

Do you already have insurance for your moped? Has it been longer than one year since you took out this insurance? In that case, you can cancel the insurance. After one year, the insurance can be cancelled daily. However, a notice period of one month may apply. You can also cancel the insurance in the first year. This is possible when, for example, you sell the insured moped or if the insurer decides to increase the premium.

Insuring a delivery moped

If you have a moped that you use to deliver food, for example, we have a special delivery moped insurance.

Insuring a moped without a driving licence

The owner of a moped is obliged to take out moped insurance. Insuring a moped without a driving licence is more difficult, but we have the solution. We have created a special comparator in which we only include insurers who do not require a driving licence. The driver is not allowed to drive without a licence, but the owner without a licence can insure the moped.

Did you know that insurers apply strict conditions to younger drivers? The Specifying the youngest driver is of great importance.

If you let a younger person ride the moped or scooter than the regular driver mentioned on the policy, you run a big risk. There are strict conditions attached to a moped insurance and the consequences of not complying with these conditions are enormous. Examples of the possible consequences are:

• No coverage, in case of damage the costs will be recovered from the policyholder.
• (Extra) increased own risk, this can be up to €1,000!

Questions about moped insurance?

Click here for the frequently asked questions on moped insurance.