How much does scooter insurance cost?

The exact cost of scooter insurance depends on various factors, such as your age, where you live, the type of scooter, the coverage you want, and the number of claim-free years you’ve accumulated. The monthly premium also depends on your scooter’s list price.

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Cheapest Scooter Insurance Policies
Additional Coverage
Average costs
Annual Costs
Frequently Asked Questions

Your scooter insurance coverage

Third-Party Liability (Mandatory)

Damage to others
Theft and Fire Damage
Damage to Your Own Scooter

Calculate Your Premium

Third-Party Liability, Theft, and Fire

Damage to others
Theft and Fire Damage
Damage to Your Own Scooter

Calculate Your Premium

Third-Party Liability: Theft, Fire, and Collision

Damage to others
Theft and Fire Damage
Damage to Your Own Scooter

Calculate Your Premium

The best coverage for your scooter: liability, limited comprehensive, or all-risk

The type of coverage that best suits your scooter depends on its value and how you use it. Third-party liability insurance is the basic coverage. This coverage is required by law. It is the least expensive option, but it only covers damage you cause to others with your scooter.

Partial coverage also provides protection against theft, fire, and storm damage, among other things, which is a good middle ground for most scooters. If you have a new or expensive scooter, comprehensive insurance is often the best choice, because it also covers damage to your own scooter caused by, for example, an accident—even if you’re at fault. By carefully considering your situation and budget, you can choose the coverage that best suits your needs. Do you have an older model scooter? In that case, third-party liability insurance may sometimes provide sufficient coverage.

The cheapest liability, limited comprehensive, and all-risk insurance policies in 2026

(*Premium based on a fictional person: a 18-year-old male from Assen with 2 claim-free years and a VESPA SPRINT 4T NOTTE. Calculated in September 2026)
Insurance Company	Coverage	Price per month	Own risk
Unigarant	WA	€65,11	N/A
Unigarant	Third-Party Liability + Limited Comprehensive Coverage	€95,19	€350
Unigarant	All-risk	€134,64	€350

Additional coverages

Accidental occupants

Legal Aid

Average monthly cost of scooter insurance

The average monthly cost of scooter insurance in the Netherlands is usually between €10 and €40, depending on various factors such as your age, place of residence, type of scooter, and the number of claim-free years. Younger drivers and people in urban areas often pay higher premiums because the risk of damage or theft is considered to be higher.

In addition, the type of coverage you choose plays a major role: liability insurance is the least expensive, while comprehensive insurance can be significantly more expensive. By comparing insurers and choosing the right coverage, you can keep your monthly costs as low as possible.

Want to save on your scooter insurance? Compare premiums!

Annual scooter insurance costs

You can choose the payment frequency for your scooter insurance. You can pay monthly, quarterly, semi-annually, or annually. Paying annually is generally cheaper than paying monthly.

You don’t save money by choosing a scooter insurance policy with limited coverage. You save money by comparing insurers. On our comparison site, you can compare multiple insurers at once. That way, you can find out which scooter insurance policy is the best fit for you.

The Impact of Claim-Free Years

Claim-free years are years in which you do not file a claim with the insurer. This earns you a no-claim discount, which is a reduction in your premium. If the scooter insurance is in your parents’ name, you’ll miss out on the no-claim discount, and your premium will be higher for future insurance policies. You accumulate separate claim-free years that can only be used for scooter and moped insurance. You cannot carry them over to a future car insurance policy.

Scooter Insurance for a 16-Year-Old

In the Netherlands, you can ride a scooter if you have a scooter driver’s license and are at least 16 years old. Just make sure the scooter is insured before you start riding it. Scooter insurance for a 16-year-old is relatively expensive. This is because the risk for insurers is very high. Also, 16-year-olds haven’t yet built up any claim-free years. Claim-free years result in a discount on the scooter insurance premium.

Purchase Scooter Insurance Through Alpina

Do you still have questions after reading this information? If so, please contact us. We’re happy to help! You can reach us Monday through Friday between 8:30 a.m. and 5:30 p.m.

Frequently Asked Questions

What is the cheapest scooter insurance?

The cheapest scooter insurance is third-party liability insurance, which only covers damage to others. Premiums for this type of coverage often start at around €5 to €10 per month, depending on your age, the type of scooter, and where you live. This basic coverage is mandatory and ideal for older or less expensive scooters.

How can I save money on my scooter insurance?

You can save money by comparing different insurance policies, opting for liability coverage, and skipping any supplemental coverage. Choosing a higher deductible or paying annually instead of monthly can also result in a discount. Young drivers often pay more, so driving accident-free will also help in the long run.

Why do costs vary by insurer?

Insurers use their own risk profiles, coverage terms, and premium calculations. Factors such as claims history, scooter type, region, and the level of coverage chosen all play a role. That’s why it pays to compare multiple providers; the premium can vary significantly for exactly the same coverage.

Does my age affect the cost of scooter insurance?

Yes, age is an important factor. Young people under the age of 24 often pay higher premiums because, statistically speaking, they are at greater risk of causing accidents. Older drivers usually benefit from lower premiums, especially if they have a clean driving record.