45 km car insurance

Do you have a 45 km car? Then you are probably looking for the right insurance. A 45 km car is also called a moped. Insuring your 45 km car is done with a minicar insurance. But what possibilities are there in terms of coverage? And what does it cost to insure a 45 km car? In this article we explain it to you.

What is a 45 km car?

A 45 km car is also popularly known as a mobility scooter. A 45 km car is suitable for up to 1 person. This person must be in possession of a moped license. A 45 km car can, as the name suggests, up to 45 km per hour. Because a 45 km car may weigh up to 350 kg and has a maximum power of 4 KW, the vehicle falls under mopeds instead of cars. For a 45 km car you can therefore take out a moped insurance.

What does it cost to insure a 45 km car?

The cost of insuring a 45 km car depends on a number of factors:

• Your age

A moped or 45 km car can be driven from the age of 16. When taking out the insurance you must specify the age of the youngest driver. The insurer takes this into account when determining the amount of the premium. The premium for a minicar insurance is much higher for young people than for older drivers. This is partly because young people often have less driving experience. This brings with it a greater risk for the insurer and that is reflected in the premium.

• Your claim-free years

Claim-free years are years in which you do not claim any damage from the insurer. Having claim-free years gives you a premium discount. The more claim-free years you have built up, the more premium discount you will receive. This premium discount differs per insurer. Do you have a car, but are you switching to a minicar? Then you can often transfer (part of) your claim-free years to a minicar insurance. So you save again on the insurance premium.

• The desired coverage

Also when insuring a 45 km car, you can choose from different coverages. The more comprehensive the coverage, the higher the final premium.

What cover can I choose?

When insuring a 45 km car, you can choose from the following coverages:

• WA (third-party liability)
• WA + Theft and Fire
• WA + Theft, Fire and Collision

We explain below the difference between these three coverages.

WA (third-party liability)

Everyone who owns a motor vehicle must take out at least third-party insurance. This also applies to a 45 km car. A WA-insurance forms the basis of your minicar insurance. With WA insurance, the insurer compensates damage that you cause to someone else. This applies to both damage to a vehicle and other items as well as personal injury. Damage to your own 45 km car is not insured with this coverage. Since this is the basic coverage, it is also the cheapest coverage.

WA + Theft and Fire

With WA + Theft and Fire, you are not only insured for damage caused to another person with your 45 km car, but also for theft and fire damage to your own vehicle. A WA + Theft and Fire coverage often costs a little more, but then you are much more extensively insured.

WA + Theft, Fire and Collision

The most extensive coverage you can choose for a 45 km car insurance is WA + Theft, Fire and Collision. In addition to liability damage, theft and fire damage, damage to your own minicar (e.g. due to a collision) is now also covered.

Is there cheap 45 km car insurance?

It is always nice not to pay too much for insurance. Therefore, people often ask us what is a cheap minicar insurance. The cheapest insurance for a 45 km car is a third party insurance without additional cover. However, this coverage also covers the least amount of damage. Damage to your own minicar is not insured. For this you need to choose a more extensive coverage. A cheap 45 km car insurance can be found by comparing premiums. So you can not only see which insurance has the best price, but also choose the coverage that best suits you and your minivan. Comparing and taking out cheap insurance for your 45 km car is very easy using our online tool.

45 km car insurance? Calculate your premium directly on Alpina\.nl!

Insure your 45 km car online? Then you have come to the right place at Alpina.nl ! With our handy online comparison tool you can compare different providers on premium, conditions and coverage within 5 minutes. Before the comparison starts, first fill in some information about your 45 km car. Then we need some additional data, such as the age of the youngest driver, your place of residence and your accumulated claim-free years. Then you will receive an overview of all providers with suitable insurance. We include as many insurers as possible in our comparison. This gives you a good overview of all providers and prices.

Do you still have questions about insuring your 45 km vehicle? Then check out our frequently asked questions about moped insurance. Are you still not sure? Please contact us, we are happy to help!