Scooter Insurance Customer Service

For your scooter, you can choose from three coverage options, depending on the value of your scooter and how much risk you want to cover.

• Third-Party Liability (WA)
  This is the minimum required insurance for scooters and mopeds. This coverage only compensates for damage you cause to others.
• Third-Party Liability + Theft and Fire (Limited Comprehensive Coverage)
  In addition to liability coverage, you’re also insured against fire, theft, storm damage, or attempted theft. Damage to your own scooter resulting from a collision is not yet covered under this policy.
• Third-Party Liability + Theft, Fire, and Collision (Comprehensive)
  The most comprehensive coverage. This policy covers you for all of the above types of damage, plus damage to your own scooter, even if you caused it yourself.

Yes, third-party liability insurance is required by law in the Netherlands for every scooter. You are not allowed on the road without insurance. This also applies to scooters that you are not currently using, unless you suspend the license plate with the RDW.

Third-Party Liability (WA) only covers damage you cause to others. Third-Party Liability Plus (WA+) offers additional coverage for theft, fire, and natural disasters. Comprehensive (Allrisk) also covers damage to your own scooter, such as damage caused by a fall or a collision where you are at fault.

With some insurers, you can build up claim-free years with scooter insurance. Each year you drive without filing a claim counts as one claim-free year and can result in a lower premium. The more claim-free years you have, the greater the discount on your insurance.

Please note: Not all insurers record scooter years in the Roy database. Check this in advance so you know whether you can carry over your accumulated years when switching to another insurer.

Yes, people under 24 usually pay a higher premium. Insurers consider young drivers a high-risk group because they are involved in more accidents and file more claims. The premium often decreases as you get older and maintain a clean driving record.