Compare scooter insurance
Which scooter insurance is right for you?
What could be more delightful than riding around carefree on your new scooter? With our scooter insurance, you can do just that to the fullest, without having to worry about theft or damage. Our all-risk coverage protects your own scooter from all possible dangers.
With us, you can choose from a variety of insurance options. Whether you go for the solid basis of third-party insurance, the comprehensive protection of All-Risk insurance, or the perfect balance of our Limited Comprehensive coverage, we have the ideal solution for you. Even if you have an electric scooter, we offer good and affordable insurance.
Check out our handy chart to see which insurance is best for you and exactly what is covered under each coverage. That way, you can hit the road with peace of mind and enjoy your scooter carefree.
Which cover suits you?
Third-party liability (mandatory)
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Free recovery service
i Alpina works with 112schade.nl to recover non-covered damages from the other party. Has someone caused damage to you, but you have no coverage on your own policy? 112schade.nl can help you recover your damage from the other party completely free of charge.
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Damage to others
i This is the basic coverage and cheapest scooter insurance. It covers damage you cause with your scooter to third parties, but not damage to your own scooter.
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Theft and fire damage
i In addition to the WA coverage, theft or fire damage is now covered. Damage to your own scooter caused by yourself (e.g. by a collision) is not covered.
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Damage to own scooter
i In addition to WA coverage and compensation for theft and/or fire damage, damage to your own scooter (due to a collision, for example) is now also covered.
WA Theft and Fire
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Free recovery service
i Alpina works with 112schade.nl to recover non-covered damages from the other party. Has someone caused damage to you, but you have no coverage on your own policy? 112schade.nl can help you recover your damage from the other party completely free of charge.
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Damage to others
i This is the basic coverage and cheapest scooter insurance. It covers damage you cause with your scooter to third parties, but not damage to your own scooter.
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Theft and fire damage
i In addition to the WA coverage, theft or fire damage is now covered. Damage to your own scooter caused by yourself (e.g. by a collision) is not covered.
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Damage to own scooter
i In addition to WA coverage and compensation for theft and/or fire damage, damage to your own scooter (due to a collision, for example) is now also covered.
WA Theft, Fire and Collision
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Free recovery service
i Alpina works with 112schade.nl to recover non-covered damages from the other party. Has someone caused damage to you, but you have no coverage on your own policy? 112schade.nl can help you recover your damage from the other party completely free of charge.
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Damage to others
i This is the basic coverage and cheapest scooter insurance. It covers damage you cause with your scooter to third parties, but not damage to your own scooter.
-
Theft and fire damage
i In addition to the WA coverage, theft or fire damage is now covered. Damage to your own scooter caused by yourself (e.g. by a collision) is not covered.
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Damage to own scooter
i In addition to WA coverage and compensation for theft and/or fire damage, damage to your own scooter (due to a collision, for example) is now also covered.
There are different ways to insure a scooter, and it is important to know what to look for when choosing a scooter insurance policy. Below we list the steps you can take to insure a scooter online and what to look out for.
Step 1: Compare insurers
Before buying insurance, it is important to compare different insurers. You can do this by using our online comparator. Here you can compare different insurers based on coverage, price and conditions. This way you can choose the insurance that suits you best.
Step 2: Determine the coverage you need
There are different types of coverage you can choose from, such as third-party coverage, third-party + limited collision coverage or all-risk coverage. TPL coverage is required by law and only covers damage you cause to others. A WA + limited casco insurance offers more coverage, such as damage to your scooter in case of theft or storm. An all-risk insurance offers the most coverage, such as damage to your scooter in case of an accident or fire. Determine what coverage you need and choose the insurance that fits it best. The current value of your scooter is decisive here. Is your scooter worth a few hundred euros you can consider insuring the scooter only WA but is your scooter worth another few thousand euros an all-risk coverage is recommended.
Step 3: Close the insurance policy
Once you have chosen an insurer and the right coverage, you can purchase it online. When doing so, pay close attention to the insurer's terms and coverage. Make sure you take out the insurance on time, so that you are insured on time. From the moment the license plate is in your name, you are required by law to have scooter insurance with at least third-party coverage.
What happens after buying scooter insurance online?
After comparing premiums online, you can apply for insurance for your scooter right away. You provide the important details of your scooter such as registration number and report code, desired coverage and list value. Then you fill in your contact information and answer some underwriting questions. After this, you may or may not get provisional coverage.
Provisional coverage means that you have provisional coverage until the insurance company definitively accepts you. Should you have received provisional coverage, the scooter is insured from the chosen effective date. It is possible that the company will not or cannot accept you. This may be because you have been involved in a claim in the past, for example, or you have not paid a premium on time. In all cases we will keep you informed by e-mail.
What is cheap scooter insurance?
What is the cheapest scooter insurance? This is normally the scooter insurance with only third-party coverage. With third-party coverage, damage to the scooter is not insured but only the damage you cause to others. In addition to the coverage, there are several factors that determine the amount of the premium.
- Catalogue value of the scooter
- Age of regular driver
- Town/City
- Number of accumulated claim-free years
What cover does the scooter insurance offer?
In addition to the mandatory third-party scooter insurance, you have a choice between three more comprehensive coverages. Which one is best to choose depends on the age of the scooter, its value and your financial position. The three coverages are:
Third-party liability (WA)
This is the basic coverage and cheapest scooter insurance. It covers damage you cause with your scooter to third parties, but not damage to your own scooter.
WA + Theft
In addition to the WA coverage, theft damage is now also covered. Damage to your own scooter that you caused yourself (e.g. due to a collision) is not covered.
WA + Theft and Fire
In addition to the WA coverage, theft and/or fire damage is now covered. Damage to your own scooter that you caused yourself (e.g. due to a collision) is not covered.
WA + Theft, fire and collision
In addition to WA coverage and compensation for theft and/or fire damage, damage to your own scooter (due to a collision, for example) is now also covered.
The name of the coverage shows which parts are covered. The most comprehensive scooter insurance can be compared to the WA-case insurance(All-risk), as known from car insurance. The premium for scooter insurance is easy to calculate.
What does scooter insurance cost in 2023
If you want to insure a scooter and are going to take out insurance, then of course you want to know what it will cost. Besides that the scooter insurance should not cost too much, it is also important that the scooter insurance suits your needs. We therefore always advise you to use a comparison tool. That way you can find out which cheap scooter insurance suits you best.
| Insurer | Cover | Monthly premium | |
|---|---|---|---|
| Nationale Nederlanden | WA | € 6,78 | Calculate premium |
| Unigarant | WA | €8,31 | Calculate premium |
| a.s.r. | WA | €13,98 | Calculate premium |
| Inshared | WA | N/A. | Not insurable through Alpina |
| Unive | WA | N/A. | Not insurable through Alpina |
| ANWB | WA | N/A. | Not insurable through Alpina |
Have you already accumulated claim-free years?
Have you insured a scooter before? If so, you may have already accumulated claim-free years. Insurers reward policyholders who have not caused any damage with an extra discount on the premium. We can take over the claim-free years you have accumulated elsewhere. Please note that the old insurance has to be terminated.
Can you also insure a delivery scooter?
If you have a scooter that you use for food delivery, for example, we have special delivery scooter insurance for this.
Save on your scooter insurance? Compare premiums!
How can you transfer scooter insurance?
Do you already have scooter insurance elsewhere? If the insurance has run for at least one year, you can switch to a better and cheaper scooter insurance. In the first year of insurance, in principle, you cannot cancel the insurance, but there are exceptions. If the insurer raises the premium in the meantime, you can cancel the insurance effective the day of the increase. Also when selling your scooter you can always get rid of your current scooter insurance.
Do you choose to transfer? With our cancellation service, we take care of canceling your current insurance. After the first year, your current insurance can be cancelled daily. The insurer can use a notice period of up to one month. After this you can insure your scooter wherever you want.
Electric scooter insurance comparison
Insurance for an electric scooter is often more expensive than insurance for a scooter with a traditional internal combustion engine. This is because electric scooters often cost mer and because the insurer has more risk when insuring electric scooters. It is therefore important to compare different insurers to find the best and cheapest insurance for your electric scooter....
Frequently asked questions about scooter insurance
How much does scooter insurance cost for a 16 year old?
The premium for a 16-year-old is generally higher than the premium for someone 40 years old. This is mainly because someone 16 years old still has little driving experience and claims figures also show that drivers under 24 are more likely to be involved in a claim. Therefore, we always recommend comparing a premium first to determine which company has the lowest premium for a 16-year-old. Calculate now>>
What does WA scooter insurance cover?
WA coverage basically only pays out for damage you cause to others. Damage to your scooter will not be compensated. When damage is caused by a third party, you can recover the damages from the insurer of the liable third party. Read more>>
Can scooter insurance be taken out in my parents' name?
In principle, the holder of the vehicle registration certificate must take out a suitable insurance himself. The holder of the scooter's registration number is obliged to take out insurance: at least a third-party insurance must be taken out.
If parents have the scooter in their name, they can purchase scooter insurance for it. If a son or daughter is going to ride the scooter, they must be registered as the driver. This is to avoid problems in case of damage. Read more.
Can I insure a scooter without a driving licence?
It is often wrongly thought that you cannot insure a scooter without a driver's license. There are insurers who are difficult about this, but there are plenty of options for insurance. But you need to know where to go. With us, you can insure a scooter without a driver's license.
What is the difference between a moped and a moped?
A moped has an engine with a displacement of 50cc or more, while a moped has an engine with a displacement of no more than 50cc. A moped has more power than a moped, making it 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 lock do I need for scooter?
It is important to have a good lock for your scooter. There are different types of locks you can use, such as a chain or cable lock, a drawbar lock, or an alarm lock. It is important to choose a lock that is suitable for your scooter and that meets safety standards. Insurance companies accept locks that are ART approved.
Always lock your scooter with an ART-approved lock
It is wise to lock your two-wheeler both inside and outside the garage or shed. This way you can prevent your scooter from being stolen. All insurers in the Netherlands require that you lock your insured scooter and that you can produce both original keys if your scooter is still stolen unexpectedly. This is to show that you took all precautions to prevent your scooter from being stolen. Check the ART Foundation website to see if your lock is ART approved.
Is a moped insured if it is souped up
No, if your moped is souped up, it is no longer insured. If your moped has been souped up, you must adjust your insurance to the new specifications. If you don't do this, your moped is no longer insured.
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Free recovery service
Alpina works with 112schade.nl to recover non-covered damage from the other party. Has someone caused damage to you, but you have no coverage on your own policy? 112schade.nl can help you recover your damage from the other party completely free of charge.
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