Insure your electric scooter
Better for the environment, lower maintenance costs, no road tax. An e-scooter has many advantages. However, one thing is the same as with a gasoline scooter: you need scooter insurance. Fortunately, you can arrange this in just a few minutes at Alpina.nl you can quickly get on the road with the right insurance.
14 days reflection period
Try our product risk-free with the 14-day satisfaction guarantee
A wide range
We compare most insurers for you
Help from our experts
Can't figure it out? Our experts are always ready to help you
Clear, transparent & honest advice for more than 110 years
customer stories
Your scooter insurance coverage.
We look at your scooter, compare a wide range of scooter insurance policies and help you choose appropriate 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
The cheapest third-party liability, third-party liability + limited comprehensive, and comprehensive insurance policies in 2026
| Insurer | Coverage | Price per month | Own risk |
|---|---|---|---|
| Nationale Nederlanden | WA | €11,30 | n/a |
| Unigarant | WA | €12,19 | n/a |
| Unigarant | WA+ limited comprehensive insurance | €21,14 | €350 |
| Unigarant | All Risk | €23,06 | €350 |
Insuring an e-scooter
Are you the proud owner of an electric scooter? Then you must insure your electric scooter as soon as the license plate is registered in your name. You can choose from three different types of coverage: Third-party liability, Third-party liability + Theft and Fire, or Third-party liability + Theft, Fire, and Collision.
Third-party liability (WA)
Third-party liability insurance is mandatory and forms the basis of your electric scooter insurance. Third-party liability insurance covers damage to others. This means you are insured for damage you cause to others. Both physical and material damage is covered. This is also the cheapest insurance for an electric scooter. Would you also like to insure damage to your own scooter? Then you can opt for more comprehensive coverage.
Third party liability + Theft and Fire
This coverage (comparable to third-party liability + limited comprehensive insurance for car insurance) covers theft and fire damage in addition to liability damage. Damage to your scooter that you have caused yourself is not covered by this insurance.
Third-party liability + Theft, Fire and Collision
This is the most comprehensive coverage for electric scooter insurance, also known as all-risk coverage. With all-risk scooter insurance, damage to your own scooter caused by your own fault, for example due to a collision, is also covered. Even if your scooter is a total loss, this is covered. A souped-up scooter is never covered by the insurance.
You can extend the coverage of your scooter insurance with a number of additional coverages, such as roadside assistance, passenger insurance, and legal assistance for traffic matters.
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.
Accidental occupants
Legal Aid
Electric scooter insurance costs
The cost of electric scooter insurance depends on a number of factors, such as:
- The desired coverage
- Age of regular driver
- Your hometown
- The number of accumulated claim-free years
- New value of the scooter
At Alpina.nl , you can use our online module to calculate an indication of the premium in advance.
Electric scooter and no-claims years
During the term of your electric scooter insurance, you accumulate claim-free years. For every year that you do not claim any damage from the insurer, you receive one claim-free year. The more claim-free years you accumulate, the higher your no-claims discount will be. The more claim-free years you have, the more discount you will receive on your premium.
If you claim for damage, this may affect your accumulated years and your premium may increase. It is therefore worthwhile to drive carefully and pay for minor damage yourself, if possible, so that you retain your claim-free years.
Electric scooter insurance comparison
Before taking out electric scooter insurance, it is a good idea to compare different providers. Insurance for an e-scooter is often more expensive than insurance for a scooter with a traditional combustion engine. This is due to the higher purchase price of an electric scooter, which also increases the risk of theft. The higher repair costs of an electric scooter also play a role.
That is why it is important to compare different insurers in advance. This will help you find the best and cheapest insurance for your electric scooter. You can easily compare insurance policies on Alpina.nl. This will help you find the right insurance for every type of scooter, so you can hit the road with peace of mind.
Do you have any questions about comparing or taking out electric scooter insurance? Please don't hesitateto contactus.
Frequently asked questions about electric scooter insurance
Do I need to insure my electric scooter?
Yes, insuring a scooter is mandatory in the Netherlands. This also applies to electric scooters. Without scooter insurance, you are not allowed to ride your scooter on public roads. When insuring your electric scooter, you can choose from various types of coverage. With third-party liability coverage, you are insured for damage you cause to others. This is the minimum mandatory coverage.
Is an electric scooter more expensive to insure?
Yes, an electric scooter is often more expensive to insure than a gasoline scooter because the purchase price is higher and there is a greater risk of theft and expensive battery repairs. The premium is also influenced by factors such as coverage, the age of the youngest driver, the number of claim-free years, and place of residence. This means you often pay a higher premium than for a gasoline scooter. At Alpina.nl , you Alpina.nl easily calculate an estimate of your premium.
Do you pay road tax for an electric scooter?
No, you do not have to pay road tax for an e-scooter.
What lock do I need for an electric scooter?
It is important to have a good lock for your electric 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 also 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.
What is the cheapest electric scooter insurance?
You can find the cheapest electric scooter insurance by comparing different providers. The costs depend on a number of factors, such as the insurance coverage, the age of the regular driver, the new value of the e-scooter, and your accumulated claim-free years. You can easily compare insurance policies on Alpina.nl our online tool. This allows you to immediately find the cheapest electric scooter insurance.
You choose your own basic coverage. You can then expand the basic coverage to include, for example, legal assistance and roadside assistance. You can also insure accessories, such as a helmet. This allows you to influence the costs yourself.
We can be reached via chat, WhatsApp, phone or email
Questions? Contact us if you want to know more.
We are here Monday to Friday from 08:00 to 18:00.