Scooter insurance for 16-year-olds: everything you need to know
Are you 16 years old and planning to ride a scooter? Then you will naturally want to know how much it will cost. For a 16-year-old, the premium for scooter insurance is often considerably higher than for older, more experienced drivers. Here you can read about what the costs depend on, what the average premium is, and how you can save on your scooter insurance.
Taking out scooter insurance as a 16-year-old
Have you just bought your first scooter? In the Netherlands, it is mandatory to take out scooter insurance as soon as the scooter's license plate is registered in your name. Without insurance, you are not allowed to ride your scooter on public roads. You must insure your scooter for at least third-party liability (WA). This insures you for damage you cause to others. Of course, you can also opt for more comprehensive coverage, such as WA+ or Allrisk.
Cost of scooter insurance for a 16-year-old
The cost of scooter insurance depends on a number of factors:
- Your age
- Your hometown
- The type of scooter (make, model, year of manufacture, and new value)
- The desired coverage
- The number of accrued claim-free years
Accruing claim-free years
An important advantage of having your own scooter insurance is that you immediately start building up claim-free years. Claim-free years are years in which you do not claim any damage from the insurer. This gives you a no-claims discount, i.e. a discount on the premium. If the scooter insurance is in your parents' name, you will miss out on the no-claims discount and your premium will be higher for future insurance policies.
For young drivers, the premium is considerably higher than for older, more experienced drivers. This is because a 16-year-old has less driving experience, which increases the risk of damage.
Scooter insurance in your parents' name: wise or not?
At first glance, taking out scooter insurance in your parents' name seems like a smart way to save money. They often pay a lower premium than young drivers. However, this is not always a wise decision. You will not build up any no-claims years yourself. In addition, your parents will have to register you as a regular driver with the insurer, which will result in a higher insurance premium. Insurers base the premium on the youngest regular driver.
If you cause damage with the scooter but are not listed as a regular driver on the policy, this will be considered insurance fraud. The insurer will not pay out the full amount of the damage and in some cases may even choose to terminate the insurance.
Insure your first scooter with Alpina
You can find the best scooter insurance by comparing scooter insurance policies. With our handy online tool, you can easily compare different providers and take out a policy immediately. Choose the coverage that best suits your situation and don't forget to look at the additional coverages.
Want to switch providers? We can easily arrange that for you too. With the right scooter insurance, you'll be well insured on the road.
Frequently Asked Questions
How much does scooter insurance cost for a 16-year-old?
The premium for moped insurance at the age of 16 is on average higher than for older drivers. This is because, statistically speaking, novice drivers are at greater risk of causing damage. Depending on the coverage (third-party liability, third-party liability +, or comprehensive), type of scooter, and place of residence, the costs are usually between €10 and €50 per month.
Can you take out scooter insurance yourself as a 16-year-old?
Yes, as a 16-year-old, you can take out scooter insurance yourself, provided you have a valid moped license. This means you can insure your own scooter. However, some insurers require permission from a parent or guardian due to your age. It is therefore wise to involve your parent when taking out insurance.
What coverage is best for a 16-year-old scooter owner?
For most 16-year-olds, third-party liability insurance is sufficient, as it is legally required and has the lowest premium. If you have a new or expensive scooter, third-party liability + or comprehensive insurance may be wise. The right coverage depends on the value of your scooter and your financial situation in the event of damage or theft. It is important to note that in the event of a total loss or after an accident, third-party liability insurance does not cover your own damage. Do you have a lot of material damage ? Then you will have to pay for this yourself.
Are there additional costs for young drivers with scooter insurance?
Yes, insurers often charge a higher premium for young drivers, including 16-year-olds. This is because the risk of damage is greater in this age group. Restrictions may also apply, such as a higher deductible or limited coverage in the event of damage.
What happens to your scooter insurance if you cause damage at the age of 16?
If you cause damage at the age of 16, this may affect your no-claims years and premium. Third-party insurance only covers damage to others. With WA+ or All Risk insurance, your own damage (or theft) may also be covered. Keep in mind that your premium may increase after an accident when you renew your insurance. Some things, such as damage caused by joyriding, are always excluded from coverage.
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