Insuring a Vespa
Need to insure your Vespa? Whether you use your Vespa every day or just when the weather is nice, the right Vespa insurance will let you hit the road worry-free. Compare options and choose the coverage that suits you, your Vespa, and your driving style.
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Your scooter's 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
How much does Vespa insurance cost?
When insuring a Vespa, the following factors play an important role:
- the desired coverage
- (daily) value of the scooter
- your place of residence and age
In addition, the premium and coverage also depend on the driver. Drivers under the age of 25 often face a higher deductible.
A Vespa generally has a higher market valuethan the average scooter. That’s why the most comprehensive coverage is typically chosen for new Vespas. Even if you buy a used Vespa that’s only a few years old, you really shouldn’t settle for more limited coverage. Accidents happen, and you don’t want to risk having to cover the costs yourself.
All about your Vespa insurance
The Vespa is perhaps the most popular and well-known scooter. For many scooter enthusiasts, it is a beloved Vespa, thanks to its iconic Italian design and unique appeal. Since the Vespa first hit the market in 1968, it has become an integral part of today’s streetscape. The scooters feature an Italian design and boast a classic look with modern finishes.
Do you own a Vespa or are you planning to buy one? If so, you’ll naturally want to insure it as comprehensively as possible. Most customers opt for comprehensive insurance, especially for a new scooter, because the costs in the event of damage or theft can be high. The Vespa is often classified as a moped, which means the vehicle must be insured by law.
The best coverage for your Vespa: liability, partial coverage, or comprehensive coverage
Once the Vespa is registered in your name, you are required to insure it. You can choose from three different coverage options: liability, liability + limited comprehensive, and all-risk. Every scooter owner is required to have at least third-party scooter insurance. Third-party insurance covers liability for damages you cause to others, but you cannot claim for damage to your own Vespa under this coverage.
If you choose third-party liability plus limited comprehensive coverage, you’re also protected against theft, fire, and storm damage, for example. Comprehensive coverage is the most extensive option and covers not only damage to others but also damage to your own Vespa, even if it was your fault. This means that damage to your own scooter—for example, due to an accident or a fall—is also covered.
Additional coverages
With additional coverage such as roadside assistance, you’re never on your own if you break down on the road. Whether you ride an electric scooter or a classic Vespa, you can always count on assistance if you break down. This keeps you mobile and gets you back on the road quickly. With supplemental accident insurance or legal assistance, you’re also extra well-protected, for example in the event of permanent disability or legal disputes following a collision.
Insure accessories
Accessories such as a helmet, windshield, or lock can be covered under the policy, provided they meet certain requirements—for example, if the lock is ART-approved. Accessories and additional parts are often covered under the policy, but be sure to review the terms and conditions and maximum reimbursement limits.
If your scooter is stolen, it’s important to use a good lock, preferably one with the ART certification. You can also opt for additional coverage, such as for accidents or damage caused by your scooter. Some insurers offer the option to include accessories, clothing, and helmets as additional coverage under the policy. Once you’ve chosen the right coverage, your scooter is insured, and you can hit the road with peace of mind.
Claim-free years with Vespa insurance
With Vespa insurance, you build up no-claims years. For every year that you don’t file a claim with the insurer, you earn one no-claims year. This earns you a no-claims discount, which lowers your premium. Over time, this can save you a significant amount of money and makes it worthwhile to drive without making a claim. Even if you sell your scooter, it’s important to keep track of your claim-free years so you can transfer them to a new scooter insurance policy.
Get scooter insurance for your Vespa
Insuring your Vespa scooter comes with many benefits. First and foremost, scooter insurance covers you for damage to others, which is required by law as soon as you ride your scooter. But there’s more: with additional coverage, such as limited or comprehensive coverage, you’re also protected against damage to and theft of your own scooter. That way, you don’t have to worry if your Vespa is stolen, or if you’re faced with a fire or total loss.
In short, keeping your Vespa properly insured isn’t just about meeting legal requirements—it’s also about choosing financial protection, convenience, and added peace of mind. By selecting the right insurance and coverage, you can enjoy every ride on your scooter with complete peace of mind.
Stay well-insured on the road with our scooter insurance
At Alpina, you can purchase insurance for your Vespa online 24 hours a day, 7 days a week. Once you’ve purchased the policy, you can easily view and manage all policy terms and documents online.
Do you have questions about insuring a Vespa? Please contactus. We’re happy to help. You can reach us Monday through Friday from 8:00 AM to 6:00 PM.
Frequently Asked Questions About Insuring a Vespa
Is Vespa insurance required for mopeds and motorized bicycles?
Yes, in the Netherlands, liability insurance is required for both Vespa mopeds and motorized scooters. This insurance covers you for damage you cause to others while riding your Vespa. You are not allowed on the road without valid insurance.
Does my age affect the premium for Vespa insurance?
Yes, age affects the premium for Vespa insurance. Younger drivers often pay more because, statistically speaking, they cause more accidents. As you get older and build up a history of accident-free years, your premium may decrease.
Can I insure a Vespa without a license plate?
No, it is not possible to insure a Vespa without a license plate. A valid license plate is required to purchase insurance, as the policy is linked to that license plate. Without a license plate, the Vespa is also not permitted to be driven on public roads.
Does insurance cover the theft of a Vespa?
Theft is only covered if you have purchased third-party liability plus or comprehensive Vespa insurance. Insurers often have additional requirements, such as the use of an ART-approved lock. Check the policy terms and conditions to make sure you know when theft is covered.
Can I include accessories and damage to my Vespa in my insurance coverage?
Yes, many insurers allow you to include accessories such as a windshield or top case in your coverage. This is usually possible with third-party liability plus or comprehensive insurance. Damage to the Vespa itself is only covered under comprehensive insurance, for example in the event of a collision or vandalism.
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