Insuring a Scooter Without a Driver's License
Do you have a scooter but don't have a driver's license (yet)? You can insure a scooter without a driver's license, even if you're not allowed to ride it yourself.
Always Acceptance
8.3 Insurance Review
Sign up online
Getting Scooter Insurance Without a Driver's License
Not all insurers allow you to insure your scooter without a driver's license. Some insurers require a driver's license for scooter insurance. With other insurers, it's no problem to get scooter insurance. Enter your information and see right away where you can get insurance.
Scooter insurance is always required
You must insure your scooter, even if you won't start riding it until you have your driver's license. Even if the scooter is sitting unused in the shed, it must remain insured. Are you not using the scooter for a while? Then you can temporarily suspend your insurance.
You can buy a scooter without a driver's license
You can buy a scooter without a driver's license, but you can't ride it. When transferring ownership to your name, you'll need a form of identification, but it doesn't have to be a driver's license. An ID card or passport is sufficient.
Are you about to have a scooter registered in your name? If so, make sure you have at least third-party liability insurance. You’re not allowed to ride it (yet), but someone else with a driver’s license can.
Compare scooter insurance policies to find the best coverage
With our scooter insurance comparison tool, you can easily find affordable scooter insurance and save significantly on your premium. You’ll quickly see which options fit your needs and budget.
For example, choose third-party liability insurance if you only want the basics. Or opt for additional coverage, such as theft and fire, for greater peace of mind. Also consider whether more comprehensive coverage, such as All-Risk, makes sense, depending on your scooter’s current market value.
Your scooter insurance coverage
Third-Party Liability (Mandatory)
- Damage to others
- Theft and Fire Damage
- Damage to Your Own Scooter
Third-Party Liability, Theft, and Fire
- Damage to others
- Theft and Fire Damage
- Damage to Your Own Scooter
Third-Party Liability: Theft, Fire, and Collision
- Damage to others
- Theft and Fire Damage
- Damage to Your Own Scooter
Risks of Riding a Scooter Without a Driver's License
Driving without a license poses traffic risks. It is even a criminal offense. If you ride a scooter without a driver’s license, you are not insured. Insurance will not cover the damage if you cause an accident, and if the police stop you, you will be fined.
No Compensation for Damage Claims
What if you get into an accident while driving illegally? Then you’re in big trouble—not just for yourself, but also for the other person involved in the accident. The victim will not only suffer physical injuries but also face high hospital bills—sometimes as much as 100,000 euros. Since your insurance company won’t cover the damages, you’ll have to pay for them yourself.
Traffic violation fine
If the police catch you riding a scooter without a driver's license, the fine is €300. If you're under 16, the fine is €150.
Don't just lend out your scooter
You’re not allowed to ride your scooter yourself without a driver’s license, but you can, of course, lend it to someone else. Lending out your scooter involves risks that you should carefully consider. As the owner, you’re responsible for how the scooter is used.
- Make sure the person you're lending the scooter to has a valid driver's license and meets the age requirements.
- Keep in mind that the other driver’s irresponsible driving not only causes damage but also affects your premium—for example, because you’ll lose your claim-free years and the associated premium discount.
Frequently Asked Questions About Insuring Your Scooter Without a Driver's License
Can I insure a scooter without a driver's license?
Yes, that's allowed. You don't need a driver's license to insure the scooter in your name, as long as you don't ride it yourself. However, the vehicle must be insured if it is parked on a public road. This is required by law, even if the scooter is just parked.
Can I ride a scooter that's insured under someone else's name?
You may only do this if you have a valid driver's license. The person in whose name the insurance is held remains liable in the event of damage.
What happens if I cause an accident without a driver's license?
In most cases, the insurance company will not cover damages if you were driving without a valid driver’s license. You will then have to pay all costs yourself for property damage or injuries. This can be very expensive, especially if other road users are involved in the accident.
Is suspending a vehicle registration a good alternative?
Yes, if you won't be using the scooter for an extended period of time, suspending your registration through the RDW is a cost-effective option. You'll temporarily be exempt from paying insurance premiums and motor vehicle tax. Keep in mind, however, that you won't be insured against theft or damage during that time.
Can I insure a scooter for my child even if they don't have a driver's license yet?
Yes, you can insure the scooter in your name until your child gets their driver’s license. This is a common solution for parents who buy a scooter in advance. Please note: your child may not use the scooter until they have actually obtained their driver’s license.
Never Underinsured
Create Your Own Package
A wide selection
We compare all insurance companies for you, saving you time
Help from our experts
Can't figure it out? Our experts are always ready to help you
We'd be happy to help you right away
Having trouble figuring it out online? We're happy to help you via chat or WhatsApp.
We are open Monday through Friday from 8:00 a.m. to 6:00 p.m.