Cost of moped insurance
What moped insurance costs depends not only on the insurer and the coverage you choose. Your age, place of residence and number of claim-free years also play a role. Third-party insurance is the cheapest and all-risk insurance the most expensive.
Calculate your premiumCost of moped insurance per month
Before you buy moped insurance, you want to know the cost and which insurance offers the best value for money. The amount of your monthly premium depends on:
Premium difference between city and village
Your place of residence plays a role because theft and vandalism are proportionately more common in a big city than in rural areas. Therefore, if you live in a big city, you will probably pay slightly more premium for your moped insurance.
More claim-free years, more discount
Your claim-free years also have an impact. The more claim-free years you have accumulated, the more discount you will receive on your premium. In many cases, it is also possible to use claim-free years from another vehicle for your moped insurance.
Cost of moped insurance by type of coverage
One of the most important factors in calculating the premium is the type of coverage you choose.
Cost of WA moped insurance
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 third-party moped insurance, we have calculated the premium for 2 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
Would you rather have comprehensive insurance? Then choose WA + Theft and Fire or WA + Theft, Fire and Collision coverage. The latter is also called all-risk coverage.
- With Third Party Liability + Theft and Fire insurance, you are also insured for damage caused by theft and fire. The premium differences between third-party and third-party + Theft and Fire are often small.
- All-risk (third party liability + theft, fire and collision) is the most comprehensive insurance and therefore the most expensive. Damage to your moped due to your own fault is also insured.
To give you an idea of the cost of All-risk moped insurance, we have calculated the premium for 2 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 |
Higher premium for young drivers
You can't change your age or where you live now. So why is this important to your premium? Young drivers tend to be more at risk than older, experienced drivers. Insurers see that young drivers are more likely to cause damage. Therefore, younger drivers pay more premium.
Insurance in parent's name
Does your son or daughter drive a moped? If so, as a parent you may want to put the moped insurance in your own name to save costs. Unfortunately, this does not work in your favor. You must then list your son or daughter as the youngest driver.
Do you not do this and damage occurs? Then this causes problems with the insurer.
Get moped insurance
Don't know where to start when finding moped insurance? Then start comparing.
Frequently asked questions about the cost of moped insurance
Are my accessories also insured with all-risk moped insurance?
With all-risk moped insurance, accessories such as a helmet, windshield, backrest or top case are often covered. If the damage to the moped and accessories is caused by something beyond your control, it is usually covered. But if the damage was caused by your own fault, you may not be reimbursed for everything. Therefore, always check the policy conditions.
What should I do if I do damage with my moped?
If you have moped insurance with us, we will help you in case of emergencies and breakdowns. Whether you drive an oldtimer or have a new moped. We offer help with damage such as theft, fire damage, damage to others or damage to your own moped. Report damage.
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