What should you look for when buying mobility scooter insurance?
A mobility scooter is a godsend if you have difficulty walking. What many people do not realise is that a mobility scooter is a motor vehicle and that you therefore need a mobility scooter insurance. In any case, you are obliged to take out at least a third-party insurance for your mobility scooter. So you are insured against damage for which you yourself can be held liable. When insuring your mobility scooter, price and quality are obviously important, but there are still a number of things you need to watch out for when insuring your mobility scooter.
Take out mobility scooter insurance; what do I have to look out for?
When you take out mobility scooter insurance, there are a number of things that you need to pay attention to. A WA-insurance is minimal obliged. The moment a mobility scooter is registered in your name, you have an insurance obligation. If you do not do this, you run the risk of a fine for driving around without insurance. It really becomes a problem when you cause an accident with your uninsured mobility scooter. In that case, you cannot recover the damage caused from your insurer. Although a mobility scooter can only reach a low speed, an accident is in a small corner. With a WA coverage, you are insured for damage that you inflict on others with your mobility scooter.
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Coverage mobility scooter insurance
When choosing a mobility scooter insurance, it is important to know what the difference is between the various coverages. The WA-insurance for your mobility scooter is minimally compulsory. Damage to your own vehicle is not insured. With WA-casco coverage, you have a broader coverage. With WA-casco (all-risk) coverage, you are also insured for theft, collision (also by your own fault), damage, joyriding or vandalism. Which coverage should you choose for your mobility scooter? This depends on your personal situation and your preference.
When to insure a mobility scooter?
Before you take out mobility scooter insurance, there are some rules that need to be met. If the mobility scooter drives faster than 10 kilometres per hour, you need to be at least 16 years old. Does the vehicle go slower? Then there is no minimum age. No driving licence is required to drive the vehicle.
Take out mobility scooter insurance; when can you hit the road?
Finally, an important point to consider when taking out mobility scooter insurance. Your mobility scooter does not have a registration number like a car or motorbike. But you must be able to show on the road that your vehicle is insured. After concluding your mobility scooter insurance, you will receive an insurance plate at home within a few days. This should you attach to your mobility scooter. Attention: you may only drive your mobility scooter when you have received the insurance plate. Nowadays the insurance plate has been replaced by a sticker, this has the same status as an insurance plate. Did you know that there are also traffic rules for the mobility scooter? Read here what rules there are for drivers of a mobility scooter.
Recovery service
Alpina works together with 112schade.nl to recover non-covered damage from the other party.
Has someone caused damage to you but you have no coverage on your own policy, then 112schade.nl can help you recover your damage from the other party completely free of charge.
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