Home Insuring MMBS

Insuring MMBS

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

Online Premium Estimate

Pay via iDEAL | Wero

For each type of MMBS

Go directly to

All About MMBS
Purchase insurance
Various categories
Rules
Frequently Asked Questions

An MMBS vehicle

A Limited-Speed Motor Vehicle (MMBS) is a vehicle with a maximum design speed of 25 km/h or 45 km/h. An MMBS often resembles a regular passenger car or van, but is not intended for that purpose. As soon as the vehicle enters public roads (even partially), insurance is required.

For (agricultural) work

The vehicle is equipped for specific (agricultural) tasks. Examples include delivering or picking up goods over short distances. Examples of MMBS vehicles include street sweepers, mobile excavators, combine harvesters, mobile stores (SRV trucks), forage harvesters, and self-propelled agricultural machinery (excluding tractors).

License plate required

Currently, a license plate is required for this type of vehicle, which is subject to mandatory registration. All motor vehicles with a maximum design speed of 6 km/h or more must be registered.

Also for individuals

Private individuals may also own an MMBS vehicle. This is usually a classic car without a license plate, a vehicle for use on private property, a DIY project, or a modified low-speed vehicle.

Insuring MMBS

Just as with all motor vehicles, MMBS vehicles are also subject to mandatory insurance. The RDW checks the insurance and inspection registry daily, so make sure your MMBS is insured.

For an MMBS, you can only purchase third-party liability insurance. With third-party liability insurance, you are covered for damages for which you may be held liable. This refers to damages you cause to others with your MMBS.

Insuring MMBS through Vereende

Most mainstream insurance companies do not insure this type of vehicle. De Vereende is one of the few insurers that insures MMBS vehicles. Here’s how to apply for insurance:

Request a quote online right away.
Accept the quote.
Pay the first premium.
Your MMBS is insured.

Calculate your premium right away

Calculate Your Premium

MMBS Insurance Costs

The annual premium is higher than that of regular auto insurance, but you’ll save on other costs. You have no obligations such as paying road tax, getting an APK inspection, or registering the vehicle. What you pay for MMBS insurance depends on:

The vehicle's make, weight, and age.
The driver's age.

Various MMBS Subcategories

MMBS vehicles are classified into various subcategories. All categories can be insured.

Z1

Construction speed: up to 25 km/h
Primary use: delivering or picking up goods
Requirements: a solid loading platform measuring at least 1.5 × 1.5 meters or 3 m²
Examples: simple utility carts, transport carts, service vehicles within ports or industrial parks

Z2

Construction speed: up to 45 km/h
Primary use: pushing, pulling, lifting, or work vehicle
Requirements: typically heavier-duty, sometimes with a tool function
Examples: mobile machinery, small road maintenance vehicles, municipal maintenance vehicles

Z3

Construction speed: up to 45 km/h, often with a trailer
Primary use: passenger transport on private or public property
Examples: tourist trains, park transportation vehicles, event vehicles with trailers

Rules for MMBS Vehicles

This is an MMBS as defined by the RDW

The National Road Traffic Authority (RDW) inspects the vehicle but does not verify whether you are using it for its intended purpose. The vehicle must meet the definition set forth in Article 1.1 of the Vehicle Regulations:

a motor vehicle with a maximum design speed of no more than 25 km/h, other than an agricultural or forestry tractor or a moped, not designed for the transport of passengers, and designed for the delivery or pickup of goods at locations situated a short distance from one another;

The term “limited-speed motor vehicle” also includes:

a. a motor vehicle with a maximum design speed of no more than 45 km/h, other than an agricultural or forestry tractor or a moped, not designed for the transport of passengers, but designed to perform work off-road, on roads, or on, in, along, or above roads;
b. a motor vehicle with a maximum design speed of no more than 45 km/h, with no more than eight seats, not including the driver’s seat, other than an agricultural or forestry tractor or a moped, that forms a combination with one or more trailers designed for the transport of passengers;

To Have or Not to Have a Driver's License

Whether you need a driver's license to operate an MMBS depends on the type of vehicle and how it is used.

You do need a driver's license, though

More and more MMBS vehicles now fall under the category of mobile machinery. For this category, a driver’s license is often required, usually in the form of a tractor license (category T). This applies, for example, to:

Mini Trains

Wide street sweepers

Forklifts

Excavators

No driver's license required

For smaller machines such as narrow sweepers, mowers, or forklifts, a driver’s license is not required, provided that:

They must not be wider than 130 cm (including extensions).

They cannot tow a trailer or a detachable machine.

They are used for tasks such as mowing, sweeping, or de-icing.

Do you have a foreign driver's license? A C, T (Germany), or G (Belgium) driver's license is also valid in the Netherlands for operating an MMBS or mobile machine.

License Plate Requirement for MMBS

Vehicles capable of traveling faster than 6 km/h and driven on public roads must have a license plate. Not sure if your vehicle requires a license plate? You can easily check whether registration is required using the decision-making tool on the RDW website.

There are also exceptions. The registration and license plate requirements do not apply to:

Vehicles with a maximum design speed of less than 6 km/h.
Single-axle motor vehicles.
Asphalt pavers, asphalt milling machines, and rollers.
Vehicles narrower than 130 cm, such as machines used for mowing, sweeping, snow removal, weed control, or de-icing.
Forklifts without a removable front-mounted attachment.

Effective January 1, 2025, all MMBS vehicles subject to registration will also be required to have a license plate, regardless of their maximum speed.

Apply for and Register an MMBS License Plate

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

View all the requirements for registering or importing an MMBS on the RDW website.

Converting a Vehicle to MMBS

Would you like to have your vehicle converted to an MMBS vehicle? This isn't a simple process, and there are a number of requirements that must be met. This procedure is handled entirely through the RDW.

View all the terms and conditions for modifying an MMBS on the RDW website.

Frequently Asked Questions About an MMBS

Is MMBS insurance mandatory?

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

Even if you only use the vehicle occasionally, it must be insured. You are only exempt from having insurance if you de-register the vehicle with the RDW.

Do you need a driver's license to ride an MMBS?

That depends on the type of vehicle. For many MMBS vehicles, such as road trains or wide street sweepers, a tractor driver’s license (T) is required. For smaller vehicles, such as narrow street sweepers or mowers, no driver’s license is required, as long as they remain narrow, do not tow a trailer, and perform only light work. Foreign driver’s licenses C, T (Germany), and G (Belgium) are also accepted.

What are the requirements for an MMBS vehicle?

In addition to the licensing requirements verified by the RDW, there are also operational requirements. These operational requirements include, among other things, obtaining third-party liability insurance, holding a T-class driver’s license, and complying with specific working hours regulations.

There are three different categories of MMBS vehicles: Category Z1, with a maximum design speed of 25 km/h; and Categories Z2 and Z3, which have a maximum design speed of 45 km/h.

How much does it cost to insure an MMBS?

The monthly cost of MMBS insurance therefore depends on a number of factors. There is no standard premium for MMBS insurance. Get an estimate of the premium online right away. This will give you an idea of the monthly cost of MMBS insurance.

What is the speed limit for an MMBS?

Depending on the construction speed, you may drive a maximum of 25 or 45 kilometers per hour in an MMBS.

What is the difference between an MMBS and other vehicles?

An MMBS is a vehicle with a limited design speed (max. 25 km/h or 45 km/h) and a specific intended use, such as freight transport, work, or recreational use.

An MMBS does not fall into any of the standard vehicle categories, such as passenger cars, microcars, or agricultural vehicles. This results in separate rules regarding registration, insurance, and driver’s license requirements.

Why is MMBS insurance more expensive?

The cost of MMBS insurance is often higher than that of other types of auto insurance. This is due to the increased risks: modifications are sometimes made to increase the vehicle’s speed, and drivers are often young and less experienced. The fact that only a few insurers offer coverage for MMBS vehicles also contributes to the higher premium.

However, you do save on other costs. For example, you don’t pay road tax, and your vehicle doesn’t need to undergo an APK inspection. What you pay for MMBS insurance depends on: