Registering the Youngest Driver
Are you fully aware of all the terms and conditions of your moped insurance? For example, did you know that insurers have strict requirements regarding younger drivers? That’s why it’s very important to list the youngest driver. And do you know if your security lock meets the insurer’s requirements? We’ve listed a few important points for you.
Why is it so important to list the youngest driver?
Moped insurance is tied to the vehicle and not to the person who purchased the policy. This means you can let someone else ride the moped, provided that the driver is authorized to drive. He or she must therefore have a driver’s license or a moped certificate. Specifying the youngest driver is very important when it comes to moped insurance. Insurers consider younger drivers to be a higher risk. As a result, the age of the youngest driver is a factor that determines the premium.
Failure to Report the Youngest Driver Poses a Major Risk
If you allow someone younger than the person named on the policy to ride the moped or scooter, you’re taking a big risk. That’s because moped insurance comes with strict conditions, and the consequences of failing to meet these conditions are severe. Examples of the possible consequences include:
- No coverage; in the event of a claim, the costs will be recovered from the policyholder.
- (Additional) increased deductible in the event of a claim— this can be as high as €1,000!
What should you do?
Carefully review the policy terms and conditions and your policy schedule (clauses) to determine exactly which of the above policy terms and conditions apply to your insurance. The policy information and the policy terms and conditions always take precedence. We recommend that you contact usas soon as possibleif the actual driver is younger than stated in the policy. We will correct the policy schedule in consultation with you; however, this change may affect the premium.
Mandatory Lock for Your ART3 Moped
For moped insurance with limited liability or comprehensive coverage, the insurer requires that you use a lock with ART certification. For a moped with limited liability or comprehensive coverage, you must have at least an ART 3 lock. If you do not use an approved lock, there is no coverage in the event of theft. Therefore, be sure to check carefully whether your lock meets the insurer’s requirements. With basic third-party liability coverage, there is no theft coverage anyway, so the insurer does not impose any requirements regarding the lock.
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