What does moped insurance cost?
Before you buy moped insurance, you probably want to know what the cost will be. Whether you have a brand new or a used moped, you'll want to be properly insured in case of damage and theft. Especially if you use the moped daily, for example for commuting. What moped insurance costs depends on a number of factors. At Alpina.nl we list all the costs for you and give you some calculations for different coverages.
What does moped insurance cost per month?
Are you wondering what moped insurance costs per month? The amount of the final premium depends on a number of factors:
- Your age
- Your zip code
- The coverage you choose
- The number of claim-free years you have accumulated
There is little you can change about your age and place of residence, of course. So why does it still play a role in determining your premium? Young drivers generally carry more risk than older, more experienced drivers. Insurers notice that young drivers are more likely to make claims. Therefore, younger drivers pay a higher premium. Perhaps your son or daughter drives a moped and, as a parent, you decide to put the moped insurance in your name to save on costs. Unfortunately, this can be very detrimental. You must then list your son or daughter as the youngest driver. If you do not do this and damage occurs, it can cause big problems with the insurance company.
Your place of residence plays a role because theft and vandalism are proportionally more common in a big city than in rural areas. Therefore, if you live in the Randstad, you will probably pay slightly more premium for your moped insurance. Finally, your claim-free years also play a role. The more claim-free years you have accumulated, the more discount you will get on your premium. In many cases it is also possible to use claim-free years from another vehicle for your moped insurance.
Cost of WA moped insurance
One of the most important factors in calculating the premium is the type of coverage you choose. In the Netherlands, you are required to have at least third-party insurance for your moped. This is the basic coverage. It insures you for damage you cause to another person with your moped. Damage to your own moped is not insured. Because the coverage of a third-party moped insurance is limited, this is also the cheapest insurance. To give you an idea of the cost of a TPL moped insurance, we have calculated the premium for two different situations.
| Type of moped | Moped up to 25km | Moped up to 45km |
|---|---|---|
| Use | Private | Private |
| Coverage | WA coverage | WA coverage |
| Age of driver | 25 | 41 |
| Postal code | 3401 CN (IJsselstein) | 9401 AZ (Assen) |
| Claim-free years | 3 | 11 |
| Insurer | a.s.r. Advantage Package | Unigarant |
| Premium per month | €7,37 | €4,32 |
Cost All-risk moped insurance
If you prefer to be slightly more extensively insured, you can also choose a WA + Theft and Fire or a WA + Theft, Fire and Collision coverage, also called an all-risk coverage. With TPL + Theft and Fire insurance you are also insured for damage caused by theft and fire. The premium differences between TPL and TPL + Theft and Fire are often not very large. All-risk (WA + Theft, Fire and Collision), however, is a different story. This is the most comprehensive insurance, and therefore the most expensive. Damage to your motorcycle due to your own fault is therefore insured. To give you an idea of the cost of All-risk moped insurance, we have calculated the premium for two different situations.
| Type of moped | Moped up to 25km | Moped up to 45km |
|---|---|---|
| Use | Private | Private |
| Coverage | WA + Theft, Fire and Collision | WA + Theft, Fire and Collision |
| Age of driver | 18 | 30 |
| Postal code | 1187 RH (Amstelveen) | 3925 EE (Scherpenzeel) |
| Claim-free years | 0 | 7 |
| Catalog value | €900 | €1800 |
| Insurer | Unigarant | a.s.r. Advantage Package |
| Premium per month | €96,67 | €10,53 |
Take out moped insurance directly through Alpina
Don't know where to start when finding moped insurance? Then start comparing! At Alpina.nl , we have a handy comparison tool that allows you to easily compare different moped insurance policies. This allows you to instantly calculate the cost of your moped insurance. If you have found the right insurance by comparing, you can take out your insurance directly online. Do you still have questions? Then be sure to contact us! Our insurance specialists are ready to answer all your questions.
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