Scooter insurance without a driver's license
Do you have a scooter but no license (yet)? You can insure a scooter without a license even if you are not allowed to ride it yourself.
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Getting scooter insurance without a driver's license
Insuring your scooter without a driver's license is not possible with every insurer. Some insurers require a driving license for scooter insurance. With other insurers it is no problem to take out scooter insurance. Enter your details and see immediately where you can take out insurance.
Scooter insurance is always mandatory
You must insure your scooter even if you don't start riding it until you have your license. Even if the scooter sits idle in the barn, it must remain insured. Are you temporarily not using the scooter? Then you can stop the insurance temporarily.
You may buy a scooter without a driver's license
Without a driver's license, you may buy a scooter but not drive it. When transferring to your name, you will need identification, but it does not have to be a driver's license. An ID card or passport is sufficient.
Are you getting a scooter in your name soon? Then make sure you have at least third-party insurance. You may not ride it (yet), but someone else with a driver's license may.
Compare scooter insurance policies for the best insurance policy
Our scooter insurance comparison tool makes it easy to find a cheap scooter insurance and save big on your premium. You'll quickly see which options fit your needs and budget.
For example, choose third-party insurance if you only want the basics. Or go for additional coverages like theft and fire for more security. Also see if more comprehensive coverage like All-risk is smart, depending on the daily value of your scooter.
Your scooter insurance coverage.
WA (mandatory)
- Damage to others
- Theft and Fire Damage
- Damage to own scooter
WA Theft and Fire
- Damage to others
- Theft and Fire Damage
- Damage to own scooter
WA Theft, Fire and Collision
- Damage to others
- Theft and Fire Damage
- Damage to own scooter
Risks scooter riding without a license
Illegal driving poses traffic risks. It is even punishable by law. If you ride your scooter without a license, you are not insured. Insurance will not cover damages if you cause an accident, and if the police check you, you will be fined.
No compensation in the event of claims
Do you get into an accident while driving illegally? Then you have a big problem. Not only for yourself, but also for the other person involved in the accident. A victim then gets not only physical injuries, but also high hospital bills. Sometimes up to 100,000 euros. Because your insurer does not reimburse the damage, you have to pay it yourself.
Fine for traffic violation
Are you caught by the police driving a scooter without a license? Then the fine is €300. Are you under the age of 16? Then the fine is €150.
Don't just lend your scooter
Without a license, you are not allowed to ride your scooter yourself, but lending it out is of course possible. Lending your scooter carries risks that you should consider carefully. You as the owner are responsible for the use of the scooter.
- Make sure the person you are lending the scooter to has a valid driver's license and is age-appropriate.
- Know that irresponsible driving by the other person not only causes damage, but also affects your premium. For example, because you then lose claim-free years and corresponding premium discount.
Frequently asked questions about insuring your scooter without a license
Can I insure a scooter without a driver's license?
Yes, you may. You do not have to have a driver's license to insure the scooter in your name, as long as you do not drive it yourself. However, the vehicle must be insured if it is parked on public roads. This is required by law, even if the scooter is parked alone.
May I ride a scooter insured in someone else's name?
You may only do this if you yourself have a valid driver's license. The person in whose name the insurance is registered remains responsible if there is damage.
What happens if I cause damage without a driver's license?
Usually the insurer will not pay for damages if you were driving without a valid license. You then have to pay all expenses yourself for damage to belongings or for injuries. This can cost a lot of money, especially if other road users were involved in the accident.
Is license plate suspension a good alternative?
Yes, if you do not use the scooter for a longer period of time, suspending it through the RDW is an advantageous option. You will then pay no insurance or vehicle tax temporarily. Keep in mind that you will not be insured against theft or damage.
Can I insure a scooter for my child without the license already there?
Yes, you can insure the scooter in your name until your child gets the driver's license. This is a common solution for parents who purchase a scooter in advance. Please note that your child will not be allowed to use the scooter until the license is actually obtained.
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