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Insuring MMBS

A limited-speed motor vehicle (MMBS) is used for specific work. Each type of MMBS must be insured.

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All about MMBS
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Different categories
Rules
Frequently Asked Questions

An MMBS vehicle

A Limited Speed Motor Vehicle (MMBS) is a vehicle with a construction speed of 25 km/h or 45 km/h maximum. An MMBS often looks like an ordinary passenger car or van, but is not suitable for that. Once the vehicle (partially) enters the public roads, insurance is mandatory.

For (agricultural) work

The vehicle is equipped for specific (agricultural) work. Examples include delivering or picking up goods a short distance away. Examples of MMBS vehicles are sweepers, mobile excavators, combine harvesters, moving stores (SRV wagons) and chippers and self-propelled agricultural machinery (not tractors).

License plate required

Today, a license plate is mandatory for these types of vehicles with a registration requirement. All motor vehicles with a maximum construction speed of 6 km/h or more must be registered.

Also for individuals

Individuals may also have an MMBS vehicle. This is usually a vintage car without a license plate, a vehicle for use on private property, a homebuilt project or a modified low-speed vehicle.

Insuring MMBS

As with all motor vehicles, insurance is required for an MMBS. The RDW checks the insurance and inspection register daily.So make sure your MMBS is insured.

For an MMBS, you can only get third-party insurance. With third-party insurance, you are insured against damage for which you can be held liable. This is damage you cause to others with your MMBS.

MMBS insurance through the Vereende

Most regular insurance companies do not insure this type of vehicle. De Vereende is one of the few insurers that insures MMBS vehicles. Here's how applying for insurance works:

Get an instant quote online.
Agree to the offer.
Pay the initial premium.
Your MMBS is insured.

Calculate your premium directly

Calculate your premium

Cost of MMBS insurance

The annual premium is higher than with regular car insurance, but you save on other costs. You have no obligations such as paying road tax, no MOT and no registration requirement. What you pay for MMBS insurance depends on:

The type, weight and age of the vehicle.
The driver's age.

Different subcategories of MMBS

MMBS vehicles are divided into several subcategories. All categories can be insured.

Z1

Construction speed: maximum 25 km/h
Main use: delivery or collection of goods
Requirements: fixed loading floor of at least 1.5 × 1.5 meters or 3 m²
Examples: simple work trucks, transport carts, service vehicles within ports or industrial areas

Z2

Construction speed: maximum 45 km/h
Main use: push, pull, hoist or work vehicle
Requirements: usually heavier duty, sometimes with tool function
Examples: mobile equipment, small road work vehicles, municipal maintenance vehicles

Z3

Construction speed: up to 45 km/h, often with trailer
Main use: passenger transport on enclosed or public areas
Examples: tourist trains, park vehicles, event vehicles with trailers

Rules for MMBS vehicles.

This is an MMBS according to the RDW

The National Road Administration (RDW) inspects the vehicle, but does not check whether you use the vehicle for its intended purpose. The vehicle must meet the definition, as contained in the Vehicles Regulation article 1.1:

motor vehicle with a maximum design speed of not more than 25 km/h, not being an agricultural or forestry tractor or a moped, not equipped for the transportation of persons and equipped for the delivery or collection of goods at closely spaced locations;

Limited-speed motor vehicle includes:

a. motor vehicle with a maximum design speed of not more than 45 km/h, not being an agricultural or forestry tractor or a moped, not equipped for the transportation of persons and equipped for performing work off roads, on roads or on works on, in, along and above roads;
b. motor vehicle with a maximum design speed of not more than 45 km/h, with not more than eight seats, not including the driver's seat, other than an agricultural or forestry tractor or a moped, which forms a combination with one or more trailers fitted for the transport of persons;

Driving license or not

Whether you need a license to drive an MMBS depends on the type of vehicle and its use.

Do need a driver's license

More and more MMBS vehicles now fall under the category of mobile machinery. This category often does require a driving license, usually in the form of a tractor license (category T). This applies, for example, to:

Road trains

Wide sweepers

Forklifts

Excavators

No driver's license required

There is no driving license requirement for smaller machines such as narrow sweepers, mowers or forklifts, as long as:

They are not wider than 130 cm (including extension).

They do not tow a trailer or interchangeable machinery.

They are used for work such as mowing, sweeping or smoothing.

Do you have a foreign driving license? A driving license C, T (Germany) or G (Belgium) is also valid in the Netherlands to drive an MMBS or mobile machine.

Registration requirement for MMBS

Vehicles that can exceed 6 mph and travel on public roads must have license plates. Do you doubt whether your vehicle requires registration? On the RDW website you can easily check whether registration is required using the decision aid.

There are also exceptions. No registration and license plate requirement applies to:

Vehicles with a maximum construction speed under 6 km/h.
1-axle motor coaches.
Asphalt pavers, asphalt milling machines and rollers.
Vehicles narrower than 130 cm, such as machines for mowing, sweeping, snow removal, weed control or ice control.
Forklifts without interchangeable front trailed equipment.

Additionally, as of Jan. 1, 2025, all MMBS subject to registration will be required to have a license plate, regardless of their maximum speed.

MMBS license plate application and registration

You must first have your MMBS inspected before you can apply for a license plate. Don't yet have a valid license plate to drive to the RDW inspection station? Then apply for a one-day registration plate.

See all the conditions of registering or importing an MMBS on the RDW website.

Vehicle conversion to MMBS

Do you want to have your vehicle converted to an MMBS vehicle? This is not easy and there are also a number of conditions for this. This procedure goes entirely through the RDW.

See all the conditions of an MMBS modification on the RDW website.

Frequently asked questions about an MMBS

Is MMBS insurance required?

Yes. For any vehicle that falls under the MMBS category and is used on public roads, at least third-party insurance is required under the Motor Insurance Liability Act (WAM).

Even if you use the vehicle only occasionally, it must be insured. Only if you suspend the vehicle from the RDW do you not have to have insurance.

Do you need a driver's license for an MMBS?

It depends on the type of vehicle. For many MMBSs, such as road trains or wide sweepers, a tractor driving license (T) is required. Smaller vehicles such as narrow sweepers or mowers do not require a driver's license, as long as they remain narrow, do not tow a trailer and perform only light work. Foreign Driving Licenses C, T (Germany) and G (Belgium) are also accepted.

What are the requirements for an MMBS vehicle?

In addition to the entry requirements that the RDW checks, there are also the usage requirements. The usage requirements include taking out third-party insurance, having a T-driving license and a certain working hours law applies.

There are 3 different categories of MMBS vehicles, namely category Z1 with a maximum construction speed of 25 km/h. Category Z2 and Z3 have a maximum construction speed of 45 km/h.

What does it cost to insure an MMBS?

Thus, the cost of MMBS insurance per month depends on a number of factors. There is no standard premium for MMBS insurance. Calculate an indication of the premium directly online. This will give you an idea of the monthly cost of MMBS insurance.

How fast can you drive an MMBS?

Depending on the construction speed, you may drive an MMBS up to 25 or 45 kilometers per hour.

What is the difference between an MMBS and other vehicles?

An MMBS is a vehicle with a limited construction speed (max. 25 km/h or 45 km/h) and a specific purpose of use, such as goods transport, work or recreational use.

An MMBS falls outside the standard vehicle categories such as passenger car, moped or agricultural vehicle. This brings with it separate rules for admission, insurance and driving license requirements.

Why is MMBS insurance more expensive?

The cost of MMBS insurance is often higher than other vehicle insurance. This is because of the increased risks: there is sometimes tinkering to increase speed and drivers are often young and less experienced. Also, the fact that few insurers insure MMBS vehicles causes the premium to be higher.

However, you do save again on other costs. For example, you pay no road tax and no MOT is required for your vehicle. What you pay for MMBS insurance depends on: