How can you save on moped insurance?
Moped insurance is something moped owners cannot do without. Unknowingly, they often overpay for insurance. Moped insurance is mandatory, but be careful where you insure the vehicle and at what premium.
As is the case with many insurances, the Dutch do not pay enough attention to the costs. Moped insurance is not expensive compared to many other insurances, but it is a cost that recurs every month or year. Use our tips to save on the moped insurance.
Isn't moped insurance just too expensive?
Many Dutch people are unfairly loyal to the insurers where they are insured. You can insure the moped with the same insurer where the other insurances are also run, but will you get the best moped insurance at the lowest premium? Probably not. You arrive at the best insurance at the lowest premium by comparing. You're not going to compare across multiple insurers, but you don't have to. At Alpina.nl you can compare multiple insurers within minutes.
Do not over-insure the moped
For an older moped, you don't want to pay too much, so in that case choose the third-party moped insurance. There are also two other variants that offer broader coverage, namely:
The name of these types of insurance already indicates what cover you can expect. Do not insure your moped too extensively. With a vehicle worth a few hundred euros, you obviously no longer choose WA + theft, fire and collision. When comparing, you can also go straight for the moped insurance with the most suitable cover at the lowest premium.
Are you about to buy a moped? What does the insurance cost?
When buying a moped, you pay attention to the purchase cost, but additionally, why not consider the cost of insuring the vehicle? The differences in moped insurance can be great whether you choose moped X instead of moped Y. Especially if you are unsure about two vehicles, it is worth looking into the cost of insurance beforehand.
Pay the premium per year
You can pay the premium on a monthly or quarterly basis, but an annual payment is best for your finances. On average, you will receive a discount of between 3 and 5 per cent from insurers. Banks do not offer such percentages on your savings, so paying the premium at once is certainly worth considering if it is financially feasible.
The most important tip is to compare insurance. In any case, do not assume that you are paying a reasonable premium now. You can only find out how reasonable the current premium is by knowing what other insurers charge for the insurance.
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