Moped insurance
Which cover suits you?
Third-party liability (mandatory)
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Free recovery service
i Alpina works with 112schade.nl to recover non-covered damages 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 your damage from the other party completely free of charge.
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Damage to others
i This is the basic coverage and cheapest moped insurance. It covers the damage you cause with your moped to third parties, but not the damage to your own moped.
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Theft and fire damage
i In addition to the third-party coverage, theft or fire damage is now covered. Damage to your own moped caused by yourself (e.g. by a collision) is not covered.
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Damage to own moped
i In addition to WA coverage and compensation for theft and/or fire damage, damage to your own moped (due to a collision, for example) is now also covered.
WA Theft and Fire
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Free recovery service
i Alpina works with 112schade.nl to recover non-covered damages 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 your damage from the other party completely free of charge.
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Damage to others
i This is the basic coverage and cheapest moped insurance. It covers the damage you cause with your moped to third parties, but not the damage to your own moped.
-
Theft and fire damage
i In addition to the third-party coverage, theft or fire damage is now covered. Damage to your own moped caused by yourself (e.g. by a collision) is not covered.
-
Damage to own moped
i In addition to WA coverage and compensation for theft and/or fire damage, damage to your own moped (due to a collision, for example) is now also covered.
WA Theft, Fire and Collision
-
Free recovery service
i Alpina works with 112schade.nl to recover non-covered damages 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 your damage from the other party completely free of charge.
-
Damage to others
i This is the basic coverage and cheapest moped insurance. It covers the damage you cause with your moped to third parties, but not the damage to your own moped.
-
Theft and fire damage
i In addition to the third-party coverage, theft or fire damage is now covered. Damage to your own moped caused by yourself (e.g. by a collision) is not covered.
-
Damage to own moped
i In addition to WA coverage and compensation for theft and/or fire damage, damage to your own moped (due to a collision, for example) is now also covered.
We compare different insurers
Moped insurance does not have to be expensive, but the moped should be properly insured. You can compare good moped insurance at a low premium. We can help with that.
What is moped insurance?
Purchasing moped insurance is mandatory. The obligation applies to third-party coverage. This insurance reimburses costs caused by liability of the insured moped. It is the duty of the person who has the moped in his or her name to take out the compulsory insurance. In the event of an accident with the moped, the other party can contact the insurer directly to file a claim.
What cover does our moped insurance have?
There are four different types of insurance you can choose between when buying moped insurance. The most limited coverage offers the third-party insurance. You can supplement this coverage 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 at Alpina.nl.
What coverage suits you and your moped?
Of course you prefer to go for the most comprehensive moped insurance, but the amount of the premium should be reasonable. You are not going to pay a sky-high premium for a moped with only a low value left. A new moped is going to be insured with the most comprehensive insurance. A moped with a value of only a few hundred euros will only be insured for third-party liability. In other cases it is a matter of comparing and making a choice based on the amount of the premium.
Based on 3143 reviews
What factors play a role when comparing moped insurance?
Factors that play an important role in determining the premium:
- What coverage did you choose?
- How many claim-free years have you accumulated?
- What is your age?
- What is your zip code?
Moped sales skyrocket
Alpina research shows that moped sales in the first 7 months of 2020 increased dramatically compared to the same months last year.
Last year, 39,030 mopeds were permitted on Dutch roads for the first time. This year, there are over 10,000 more, namely 49,979. An increase of some 30%.
The moped is one of the few vehicles where an increase can be seen compared to last year. On the other hand, there is a large decrease in passenger cars.
The increase in sales of mopeds is probably as a result of the coronacrisis. Because of the corona crisis public transport is no longer an option for some people. As a result, many many people to search for own replacement transport. A moped seems to be a frequently chosen option.
Tips for cheap moped insurance
You can choose a more limited form of insurance to save premium this way, but that is not the right way. By comparing you can also save a lot, but without compromising on the quality of the insurance. You can also reduce 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 during the first year. You can do so, for example, when selling the insured moped and if the insurer decides to increase the premium.
Insuring a delivery moped
If you have a moped that you use for food delivery, for example, we have special delivery moped insurance for this.
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 strict conditions are applied by insurers regarding younger drivers? The reporting the youngest driver is of great importance.
If you allow a younger person than the regular driver listed on the policy to ride the moped or scooter, you are at great risk. This is because there are strict conditions attached to moped insurance, and the consequences of failing to comply 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 frequently asked questions about moped insurance.
Top 5 cheapest moped insurance 2023
| Insurer | Cover | Monthly premium | |
|---|---|---|---|
| ANWB | WA | € 3,14 | Calculate premium |
| Unigarant | WA | € 3,20 | Calculate premium |
| Unive | WA | € 6,69 | Calculate premium |
| Klaverblad | WA | € 7,05 | Calculate premium |
| Enra | WA | € 9,66 | Calculate premium |
Frequently asked questions
If someone else rides my moped, is that person insured?
When you take out moped insurance, it is linked to your moped and not to the person who took out the insurance. It is therefore permissible for someone else to ride a moped. Read more about this>>
Can I insure a moped without a driving licence?
It is mandatory in the Netherlands to have moped insurance if you are the owner of a moped. However, insuring a moped without a driving license is a problem with some insurers. In our comparison tool, we have made a special selection of insurers that do not require you to have a driving license.
Will my moped insurance pay for my damage?
When your moped is damaged, do you call in your moped insurance, but will the insurer pay for the damage to your moped? This depends on the type of insurance chosen and the circumstances of the damage. Read more about this>>
Possible moped insurance coverages
Legal liability
This is the basic coverage and cheapest scooter insurance. It covers damage you cause with your scooter to third parties, but not damage to your own scooter.
Theft
In addition to the WA coverage, theft damage is now also covered. Damage to your own scooter that you have caused yourself (e.g. due to a collision) is not covered.
Legal liability
This is the basic coverage and cheapest scooter insurance. It covers damage you cause with your scooter to third parties, but not damage to your own scooter.
Theft
In addition to the WA coverage, theft damage is now also covered. Damage to your own scooter that you have caused yourself (e.g. due to a collision) is not covered.
Theft and Fire
In addition to the WA coverage, theft and/or fire damage is now covered. Damage to your own scooter that you caused yourself (e.g. due to a collision) is not covered.
Theft, fire and collision
In addition to WA coverage and compensation for theft and/or fire damage, damage to your own scooter (due to a collision, for example) is now also covered.
Theft and Fire
In addition to the WA coverage, theft and/or fire damage is now covered. Damage to your own scooter that you caused yourself (e.g. due to a collision) is not covered.
Theft, fire and collision
In addition to WA coverage and compensation for theft and/or fire damage, damage to your own scooter (due to a collision, for example) is now also covered.
Report damage
Do you have damage? Then you can report it online using the form below. Do you need an emergency towing service? On your green card you will find the phone number of the emergency service to which your insurance company is affiliated.
Report damage
Do you have damage? Then you can report it online using the form below. Do you need an emergency towing service? On your green card you will find the phone number of the emergency service to which your insurance company is affiliated.
Recovery service
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.
Latest news on moped insurance
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