Insuring Your Moped
Want to get moped insurance? You can do it quickly and easily online. In most cases, you’ll get immediate coverage and can hit the road fully insured—even on the weekend.
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Your moped insurance coverage
Easily compare moped insurance policies and choose the coverage that best suits your needs.
Third-Party Liability (Mandatory)
- Damage to others
- Theft and Fire Damage
- Damage to Your Own Scooter
Third-Party Liability, Theft, and Fire
- Damage to others
- Theft and Fire Damage
- Damage to Your Own Scooter
Third-Party Liability: Theft, Fire, and Collision
- Damage to others
- Theft and Fire Damage
- Damage to Your Own Scooter
Additional Coverage for Moped Insurance
Passenger Accident Insurance
Passenger accident insurance pays a fixed amount to the driver and/or passengers in the event of an accident.
Passenger Injury Insurance
Passenger liability insurance covers damages sustained by the driver and/or passengers as a result of an accident.
Legal expenses insurance
Legal expense insurance provides legal advice and expert legal assistance.
The Best Coverage for Your Moped
When you purchase scooter insurance, you can choose from various coverage options. The best coverage for your moped insurance depends on the age and value of your moped. With third-party liability insurance, you meet the legal requirement and are covered for damage you cause to others. If you want more peace of mind, third-party liability plus theft or comprehensive coverage also protects your moped against damage, such as in the event of theft, fire, or a collision.
Here, you can also purchase additional coverage, such as accident insurance for riders or property damage insurance for riders. This makes switching to a new moped insurance policy very easy. In most cases, you’ll receive immediate (provisional) coverage and can hit the road fully insured.
Cost of insuring a moped
The cost of moped insurance depends on a number of factors:
- The desired coverage (Third-Party Liability, Third-Party Liability Plus, or Comprehensive)
- Your age
- Your place of residence
- The number of claim-free years accumulated
Affordable Moped Insurance
Enter your moped's details and find affordable moped insurance. When comparing insurance policies, you can easily choose one with a low premium.
We work with various insurance companies so that we can always offer you a great deal. When comparing insurance policies, be sure to consider the purchase price of your moped so that you choose the right coverage.
Claim-free years on a moped insurance policy
With moped insurance, you build up claim-free years. For every year that you don’t file a claim with the insurer, you earn a claim-free year. This earns you a no-claims discount that lowers your insurance premium.
Unfortunately, you cannot carry over the claim-free years you’ve accumulated while riding a moped to a future car insurance policy. This is because insurers assess the risk of driving a car differently than they do for riding a moped.
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Insuring Electric Mopeds: What Should You Keep in Mind?
You must insure your moped before riding on the road. Third-party liability insurance is required by law for every moped. This insurance covers you for property damage and personal injury you cause to others while riding your moped. This ensures you meet legal requirements and helps you avoid high costs in the event of an accident. Want more peace of mind? Then you can opt for additional coverage, such as Limited Comprehensive or All-Risk coverage.
When taking out insurance, be sure to pay close attention to the deductible. This is the amount you pay out of pocket in the event of a claim before the insurer pays out. A lower deductible often means a slightly higher premium, but you’ll have to pay less out of pocket if a claim is filed. So be sure to compare your options to see what works best for you. You can easily calculate your premium online.
Did you just buy a new electric moped? Some insurers offer temporary coverage, so you’re insured as soon as you hit the road—even if the policy hasn’t been finalized yet. That way, you don’t have to worry about driving uninsured.
In addition, you can opt for supplemental coverage, such as roadside assistance or legal assistance. This can be useful if, for example, you frequently drive long distances or want extra peace of mind when it comes to legal matters. Take a close look at what different insurers offer and decide which types of coverage are relevant to you.
Finally: electric mopeds are a popular target for thieves. Therefore, always make sure your moped is insured against theft. Not every insurance policy includes theft coverage as standard, so pay close attention to this when comparing policy terms. Prevent theft by always securing your moped properly with an ART-approved lock.
Do it right away
Are you moving or do you have a new email address? Did you get a new car or scooter, or are you getting rid of yours? Either way, we’d love to hear from you. You can let us know about any changes to your personal information, license plate number, or insurance coverage yourself.
Report a Claim
Have you had an accident? If so, you can report it online using the form below. Do you need emergency towing service? You’ll find the phone number for the emergency service your insurance company is affiliated with on your green card.
Report a change
Would you like to adjust your insurance, or has something changed in your personal situation? You can report various types of changes.
- Change Personal Information
- Report a Change of Address
- Change to a Different Insurance Plan
- Cancel Insurance
Frequently Asked Questions About Moped Insurance
Is it mandatory to insure a moped in the Netherlands?
Yes, it is required by law to have at least third-party liability insurance for a moped. As soon as the moped is registered in your name, you must purchase insurance. You are not allowed on public roads without insurance. Third-party liability insurance covers damage you cause to others with your moped, not damage to your own vehicle. You can easily insure your moped online.
What is the difference between moped insurance and scooter insurance?
The main difference lies in the maximum speed and the intended use of the vehicles. A moped may travel at a maximum speed of 25 km/h, and a motorized bicycle at 45 km/h. The insurance policies are very similar, but the premium for a moped is usually lower because the risk of damage is lower.
Is damage to my moped always covered?
Damage to your own moped will only be covered if you have Limited Comprehensive or Full Comprehensive (All-Risk) insurance. With third-party liability coverage alone, you will not receive compensation for damage to your own vehicle. So be sure to carefully consider which coverage best suits your situation.
Are electric bikes also considered mopeds?
No, an electric bike is not a moped. A moped falls under the category of motorized bicycles, while an electric bike falls under the category of bicycles.
Is a modified moped insured?
No, a modified moped is not insured. This means that the insurer will not pay out in the event of damage, and you are responsible for paying for the damage yourself.
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