Scooter insurance comparison
Cheap scooter insurance? Compare coverages and premiums for the lowest price. By comparing, you can easily find the best deals and the best scooter insurance that fits your situation. Insure your scooter in 2 minutes.
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Choose scooter insurance
Scooter insurance covers damage you cause with your scooter to others or to your own vehicle. In the Netherlands, WA insurance (Wettelijke Aansprakelijkheid) for scooters is mandatory.
This insurance is required by law for both scooters and mopeds. Compare scooter insurance policies and choose the coverage that suits you best.
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
About third-party insurance
Third-party insurance for your scooter is basic insurance and is required by law. The third-party insurance is also called legal liability insurance. You must take out this insurance when you buy a scooter. With third-party insurance, only damage to others is covered. Damage to your own scooter will not be compensated. You can only get compensation from the insurer of the liable party, if you did not cause the damage yourself.
About WA theft and fire
With third-party theft and fire insurance, you are covered not only for liability, but also for theft and fire. This coverage is also called limited casco. You are still not insured with this insurance for damage to your own scooter that you cause yourself.
About WA theft, fire and collision
The third-party theft, fire and collision insurance is the only insurance that covers damage you have caused yourself. This insurance is also called all-risk coverage, because not only damage to others, but also damage to your own scooter caused by, for example, fire, storm, theft or an accident is covered.
If a new scooter is stolen, the insurer may pay the full purchase price, especially if the scooter is stolen within the first year. Causing the damage intentionally is not allowed. If you do, you will not be reimbursed for anything.
Additional coverages for greater security
In addition to choosing the right coverage for your scooter insurance, you can purchase several supplemental policies on top of the basic insurance.
Recovery Legal Aid
va.
2 ,24
p/month
Insured of legal help in recovering damages from a traffic accident. At home and abroad.
In some situations, you have to make your claim to the person who caused the damage. Normally this is not necessary with the most comprehensive All-risk insurance. This is because the insurer will pay out all the damage to your scooter itself.
Is your scooter WA or WA + Theft and Fire insured, then recovering your damage from the other party is not insured. For this you can take out legal assistance insurance. After damage the insurer will take care of recovering your damage.
Motor Vehicle Legal Assistance
from
1 ,02
p/month
Insured of legal help in traffic disputes. At home and abroad. With the vehicle insured on the policy.
Legal expenses insurance also takes care of recovering damages from the perpetrator, but the coverage is broader than recovery legal expenses insurance. You can also use the insurance in a dispute with a scooter dealer, for example, or a disagreement with the garage over repair costs.
You can even use this insurance for legal help for criminal prosecution due to an accident. However, there may be specific requirements for using the motor vehicle legal expenses insurance.
Top 3 cheapest scooter insurance policies in 2025
€ 10,-
€ 12,-
€ 14,-
€ 16,-
€ 18,-
*Based on a 45-year-old driver with third-party coverage for a scooter max 25km/h. The calculation was made in May 2025 using Alpina.nluk's comparison tool.
Cost of scooter insurance
The premium you pay for your scooter insurance depends on several factors: driver's age, type of scooter, applicant's hometown, number of claim-free years and the coverage chosen.
Are you younger than 24? You often pay more premium because young people are more likely to be involved in claims.
Average premium by coverage type
- WA: from €5 per month
- WA+: from €8 per month
- All-risk: from €12 per month
Get scooter insurance online
If you buy a scooter, it is mandatory to get scooter insurance. You can easily purchase scooter insurance online. Just follow the following steps:
- Please provide your license plate number, zip code and house number.
- Enter your age, details of your scooter and claim-free years. Also estimate how many miles you will ride.
- Choose the coverage and any other additional coverages.
- Enter the rest of your information and the reporting code is.
- Also answer the acceptance questions.
- You are insured!
With provisional coverage, your scooter is insured from the effective date. Provisional coverage means that you are covered until the insurance company definitively accepts you.
Get scooter insurance online
Getting scooter insurance without a driver's license
Don't have a scooter license yet, but already want to insure your scooter? You can. Young people as young as 16 can get their own scooter insurance.
Some insurers allow you to get scooter insurance without a driver's license, for example, if you have already purchased it but have yet to take your driver's test. Please note that you can only drive once you have obtained your license.
Tips for choosing the right coverage for your scooter
The value of your scooter largely determines your choice of minimum or additional insurance. If you have a new scooter, then more comprehensive coverage, such as all-risk, is often chosen to properly protect the investment.
Do you have a scooter of 500 euros or less? Then additional insurance may not be worth it. If your scooter is worth a few thousand euros, then additional insurance is often smart.
Your hometown also plays a role in your choice. Do you live in a busy city? Then you are more likely to get damage than in a quiet village. So in a busy city, extra insurance is smart.
Compare scooter insurance for the best premium
Where can you find the cheapest premium for your scooter insurance? You do this by comparing scooter insurance. With our scooter insurance, you can easily compare and buy directly.
Always choose a scooter insurance with a low premium, good coverage and reliable customer service, so you can be sure that your data and your scooter are well insured.
Note these points:
Coverage and conditions
When comparing scooter insurance, it is important to look at what exactly is covered and under what circumstances. In doing so, pay close attention to the key features of the policy so you can easily compare terms and coverage. Not all WA+ or all-risk packages are equally comprehensive. This varies by insurer and type of scooter insurance. Check whether, for example, damage due to vandalism, theft or natural disasters is covered.
Excess and compensation
The deductible also varies by insurer. A lower deductible often means a higher premium, but lower costs in case of damage. When comparing scooter insurance, pay close attention to the relationship between premium and deductible to avoid surprises.
When taking out scooter insurance through Alpina, we receive a one-time fee from the insurer. This does not affect the premium you pay.
Customer service and reviews
Comparing scooter insurance is more than just weighing premiums. Also read reviews about customer service, claims handling and accessibility. A cheap policy is worthless if you don't get help with claims or have to wait a long time for benefits.
Do you take out insurance through Alpina? Then we'll help you get scooter insurance or if you have a claim. Please contact us with any questions.
Protection of your data
When you take out scooter insurance, you provide personal data to the insurer. It is therefore important that your insurer is careful with your privacy and ensures proper security of your data.
Check that the insurer meets legal requirements for data protection and that your data is stored securely. Some insurers even offer additional coverage against cyber attacks.
We compare different insurers for your scooter insurance
Claim-free years and premium discount
The more claim-free years you accrue, the lower your premium becomes. Each year that you drive without a claim results in one claim-free year. Insurers reward this with premium discounts, which can be substantial.
Have you already built up claim-free years with a previous scooter or moped insurance policy? Then make sure you take them with you when switching, so your discount is not lost.
Switching and canceling your scooter insurance.
Want to switch to another insurer because you're looking for a lower premium or more comprehensive coverage? It's easy to do. First check whether your current scooter insurance needs to be cancelled before you take out new insurance. That way you avoid double costs.
Compare several insurers and choose a scooter insurance policy that suits your needs in terms of coverage, theft protection and premium. A switch can get you not only a lower premium, but also better coverage for damage and theft of your scooter.
Insuring your scooter after being rejected by insurer
Sometimes the insurer does not accept your application. For example, because you have not paid your premium in the past. We will keep you informed by e-mail. We also help you find an insurer that does accept you. For example, you can always contact De Vereende.
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Frequently asked questions about scooter insurance
What does scooter insurance cost for a 16-year-old?
The premium for a 16-year-old is usually higher than for someone in their 40s. This is mainly because a 16-year-old has little driving experience. Figures show that drivers under 24 are more likely to have claims. Therefore, compare premiums with different insurers to see which company offers the lowest premium for a 16-year-old.
What is the cheapest scooter insurance?
Scooter insurance with only third-party coverage is the cheapest. Besides the coverage, there are several factors that determine the amount of your premium. Think of: the list value of your scooter, your age, place of residence and number of years without claims. Calculate your premium for the cheapest scooter insurance.
Can I get scooter insurance in my parents' name?
No, the owner of the scooter must take out at least third-party insurance himself. Do your parents have the scooter in their name? If so, they must take out the scooter insurance. If you are going to ride the scooter as a son or daughter, your parents must register you as the driver. This way you avoid problems in case of damage.
Can I insure my scooter without a driver's license?
Yes, with us you can insure your scooter without a driver's license. Some insurers are difficult about this, but there are plenty of options.
What lock do I need for my scooter?
Choose a lock that fits your scooter and meets safety standards. Insurers only accept ART-approved locks. All Dutch insurers require that you lock your insured scooter and can show both original keys if it is stolen. This proves that you have taken precautions. Check the ART Foundation website to see if your lock is ART-approved.
Is a scooter insured if it is souped up?
No, if your scooter is souped up, it is no longer insured. If your scooter has been souped up, you need to update your insurance to the new specifications. If you don't do this, your scooter is no longer insured.
What is the difference between a moped and a moped?
A moped has an engine with a displacement of 50 cc or more, while a moped has an engine with a displacement of 50 cc or less. A moped has more power than a moped and is therefore faster. Mopeds also have a larger tank and tend to be heavier than mopeds. This therefore means that the premium for a moped or scooter is often higher than the insurance for a moped.
What scooter insurance do I choose for a Vespa?
A Vespa is about a scooter that is more expensive than average. Therefore, for new Vespas, it is best to choose the most comprehensive coverage. Even if you buy a used Vespa that is only a few years old. Read more about Vespa scooter insurance.
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