Compare and take out your moped insurance

There are three different types of insurance you can choose between when buying moped insurance. The third-party insurance offers the most limited coverage, but is also mandatory. You can supplement this coverage with:

• Theft and Fire - In addition to civil liability, theft of the moped and fire are also covered with this coverage.
• Theft, fire and collision - The most comprehensive coverage. This coverage could be called all-risk moped insurance, or WA + full collision insurance, although the term may be different with different insurers.

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

Of course you prefer to go for the most comprehensive moped insurance, but the amount of the premium should be reasonable. For a moped with only a low value left, you are not going to pay a sky-high premium. For a new moped you are going to insure with the most comprehensive insurance. A moped with a value of only a few hundred euros is only insured for third-party liability. In other cases it is good to compare and make a choice based on the amount of the premium.

Different insurers have different prices for the same coverage. This is due to many different elements. It is good to pay attention to the details to ensure that you can purchase not necessarily the cheapest, but the best moped insurance for you.

Comparing your moped insurance is more useful at higher coverages, as the price differences there may be more different from each other. It is good to pay attention to the following elements when comparing your moped insurance:

1. The policy terms (such as a particular lock or storage location)
2. The amount of the deductible (the higher it is, the cheaper the premium is, but you have to be willing to run that risk)
3. Whether you get a discount for paying your premium by the year instead of by the month
4. What benefits each insurer offers you

If you want to see these details, click on "more info" under the insurer once you have selected coverage in the premium calculation process.

Factors that play an important role in determining the premium:

1. The coverage
2. How many claim-free years you have accumulated
3. The age of the youngest driver
4. Postcode
5. Moped brand
6. Moped age

You can choose a more limited form of insurance to save on the premium, but that is often not the right way. By comparing, you can also save substantially, but without compromising on the quality of the insurance. You can also lower the premium by contributing claim-free years or switching to another moped insurer.

Reducing the premium with claim-free years

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

Switching to a different moped insurance

Do you already have insurance for your moped? Is it more than one year since you took out this insurance? In that case, you can cancel the insurance. After one year, insurances can be cancelled daily. There may be a notice period of one month. You can also cancel your insurance in the first year. This can happen when you sell the moped or when the insurer decides to increase the premium.

If you have a moped that you use for delivering food, for example, we have a special delivery moped insurance policy for this.

The owner of a moped is required to have moped insurance. Insuring a moped without a driver's license is trickier, but we have the solution. We have specially created a comparator in which we include in the comparison only insurers that do not require having a driver's license. The driver may not drive without a license, but the owner without a license may insure the moped.

Did you know that strict conditions are applied by insurers regarding younger drivers? Therefore, declaring the youngest driver is very important.

If you allow a younger person than the regular driver listed on the policy to ride the moped, you are at great risk. This is because there are strict conditions attached to moped insurance, and the consequences of not complying with these conditions are enormous. Examples of the possible consequences are:

• No coverage, in case of a claim, the costs may be recovered from the policyholder.
• (Additional) increased deductible, this can be up to €1,000 in the event of damage.

Alpina works with 112schade.nl to recover non-covered damage from the other party. Has someone caused damage to you, but you have no coverage on your own policy? 112schade.nl can help you recover the damage from the other party completely free of charge.

For some extra security, you can also purchase several additional coverages with your moped insurance. These additional coverages range from a few euros to about 10 euros per month, and vary widely in what they cover.

For example, you can insure yourself and your passenger(s) against injury with accidental occupant insurance, you can secure legal help in traffic disputes with motor vehicle legal expenses insurance, or you can get legal help in recovering damages from a traffic accident at home or abroad with recourse legal expenses insurance.

Additional coverages also mean additional costs. Once additional coverage is useful to you, it is smart to take it out. It is then definitely worth that extra few dollars. If not, it is good to look at it critically.