Cover types for scooter insurance

Theft and fire coverage

This is one of three forms of insurance for scooters. In addition to the mandatory liability insurance (TPL), this insurance also provides coverage against theft and fire.

Do you ride an expensive new scooter? Then this insurance might be a good option for you. The compulsory third-party coverage is now supplemented with theft and fire insurance. Be careful though: it varies per insurer what the rules are regarding recovering an amount in case of theft of your scooter. For example, after the theft of a scooter you are often asked to provide the keys of an ART-approved (class 3) motor lock with certificate. This is because it allows you to prove that you have done everything possible to reduce the risk of theft.

A third-party + theft, fire and collision (all-risk) scooter insurance policy

The most comprehensive scooter insurance is the third-party insurance + theft, fire and collision. This insurance is most similar to all-risk insurance, as we know it for a car, and is therefore also called all-risk scooter insurance. Do you want to be fully insured? Then you should opt for this insurance. It may cost a little more, but then you are comprehensively insured.

For scooters up to three years old, the most comprehensive insurance is often chosen. For older scooters, it is a matter of weighing and comparing. For example, have you already accumulated claim-free years? Then you can opt for relatively cheap comprehensive scooter insurance.

Additional coverages with scooter insurance

In addition to scooter insurance, you can purchase a number of additional coverages. These are aimed at an accident benefit and at recovering your damages in case of an accident caused by another person.

In an accident, you'll be lucky if it's limited to property damage. On a scooter, you are vulnerable. Chances of injury in a fall are high. If you also take a passenger, you have an extra responsibility. If you make a mistake, the passenger can also suffer serious injuries. Even accidental death cannot be ruled out. The financial damage in case of injury or death you can partly absorb with the accident passenger insurance. With passenger accident insurance you cannot eliminate the risk, but you can provide financial compensation when it happens. The insurance pays out an amount of €22,500 in case of permanent disability and €5,000 in case of death of a passenger.

When damage is caused by the other party, in some cases you have to take care of recovering the damage to your scooter yourself. There is also an additional insurance for this.