What does moped insurance cost?
When you want to purchase moped insurance, you naturally wonder what the premium will be that you will have to pay. What moped insurance costs depends on a number of factors. First, your age is a determining factor. In addition, risk plays a role. What risks do you want covered? The higher the risk for the insurer, the higher the premium. At Alpina, we compare moped insurance on price, but also on quality. Have you found a moped insurance that suits you? Then you can also purchase it online directly.
What is the approximate cost of third-party insurance for a moped?
How much moped insurance costs is not a question that can be answered easily. The premium you pay depends on a number of factors. First, it determines which moped insurance you will purchase. You can choose from different coverages. The cheapest moped insurance is the third-party insurance. TPL stands for third-party liability. Taking out third-party moped insurance is a legal obligation when you own and drive a moped.
Your moped insurance coverage.
WA (mandatory)
- Damage to others
- Theft and Fire Damage
- Damage to own moped
WA Theft and Fire
- Damage to others
- Theft and Fire Damage
- Damage to own moped
WA Theft,Fire and Collision (All Risk)
- Damage to others
- Theft and Fire Damage
- Damage to own moped
What factors determine the cost of moped insurance?
So what moped insurance costs depends largely on the type of coverage you choose. But there are more factors that affect the premium. Having claim-free years is also an important premium determinant. The more claim-free years you have accumulated, the more discount you will receive on your premium. In many cases, it is also possible to use claim-free years from another vehicle for your moped insurance.
Age of driver
Your age as a driver also determines the cost of moped insurance. Insurers see that young drivers generally incur more damage than older drivers. Therefore, the premium for moped insurance is age-related.
In principle, the registration holder of a vehicle should take out appropriate insurance himself. This is because the license plate holder of the moped is required to have insurance: at least third-party insurance must be taken out. If, for example, the parents have the moped in their name, they can take out moped insurance. If, for example, their son or daughter rides the moped, the youngest driver must be registered with the insurance company. This is to avoid problems in case of damage.
The cheapest third-party liability insurance policies in 2026
| Insurer | Coverages | Price per month | Own risk |
|---|---|---|---|
| Unigarant | WA | €8,67 | n/a |
| Nationale Nederlanden | WA | €14,02 | n/a |
The cheapest third-party liability + limited comprehensive insurance policies in 2026
| Insurer | Coverage | Price per month | Own risk |
|---|---|---|---|
| Unigarant | WA+ limited comprehensive insurance | €11,42 | €350 |
| Nationale Nederlanden | WA+ limited comprehensive insurance | €28,76 | €100 |
The cheapest comprehensive insurance policies in 2026
| Insurer | Coverage | Price per month | Own risk |
|---|---|---|---|
| Unigarant | All Risk | €12,36 | €350 |
| Nationale Nederlanden | All Risk | €36,65 | €100 |
Additional coverage
Accidents involving seated persons
Legal Aid
Cost of moped insurance depending on hometown
Insurers see living in the city as a certain risk compared to a very quiet rural area. For example, the chance of vandalism or theft is higher, and collisions are also proportionally more common. Therefore, the cost of moped insurance is higher in an urban area.
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