Is a souped-up moped insured?
A handy tinker can easily tune up a moped. But did you know that a souped-up moped is not insured on moped insurance? Moped drivers are mostly afraid of a fine, but the really big problems arise when the moped is involved in an accident.
There is a reason why mopeds are subject to a maximum speed limit of 45 kilometers per hour or less. This was devised to promote road safety. The construction of these vehicles is also not designed for much higher speeds. So adjusting the maximum speed is also simply dangerous.
Will the insurer pay for damage caused by a souped-up moped?
The insurer provides coverage against liability damage to others. Depending on the coverage chosen, the insurer may also provide coverage against damage to the moped itself. For moped insurance, the insurer assumes the maximum speed legally applicable to the vehicle. Speeding up increases the risk of damage, and in the event of damage, the average claim amount will also be higher. This is because moped insurance does not provide coverage if it turns out to be a souped-up moped.
The insurer does not pay out! What to do now?
In a collision with a car, damages are likely to be limited to eye damage and damage to the moped itself. Non-paying moped insurance only becomes a problem when personal injury is caused by the moped. In a collision with a pedestrian, the cost of damages can run into the hundreds of thousands of dollars. Just imagine if the injured party is never able to work again and has to completely modify the house to accommodate a disability. If the insurer doesn't pay out, you will end up paying for the damage yourself. Don't have the money? Then the claim continues to follow you. As soon as you do have money, you still pay the claim.
The moped insurance might pay out anyway
Third-party moped insurance is mandatory. This compulsory was instituted to provide victims with a guarantee that they will be compensated for damage caused by a motor vehicle. The insurer where the moped insurance is taken out is obliged to compensate damage caused by liability. In the case of a souped-up moped, however, the insurer does have the option of recovering the damages paid from the perpetrator with the souped-up moped. For example, the insurer pays the victim €50,000 and then recovers this amount from the owner of the souped-up moped.
Do not take unnecessary risks and do not drive around on a souped-up moped. One small steering error can earn you a claim for which you will have to pay for life.
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