Scooter and moped insurance in the Netherlands
When you own a scooter or moped in the Netherlands you are required to insurance coverage. This insurance will cover damage to others or their property while using your scooter or moped. In addition to lliability coverage you can insure againt theft, damage to your own moped or scooter and personal injury.
Which scooter or moped insurance is best for me?
Most insurance companies in the Netherlands offer insurance for scooter or mopeds very similar like an insurance for cars. With WA/WA+ and All Risk.
WA
You can choose WA which covers only damage to others.
You are not insured for damage to your scooter or moped; damage caused by theft, fire and storm; damage to your helmet.
WA+
You can choose WA+ which covers damage to other, damage caused by theft, fire and storm and damage to your helmet/lock.
You are not insured for damage to your own moped or scooter.
All Risk
You can choose WA+ which covers damage to other, damage caused by theft, fire and storm and damage to your helmet/lock and damage to your own scooter or moped.
Additional insurance
You can take Accident insurance (Ongevallenverzekering). This will cover you when you or your passenger get disabled or dies.
You can take Legal Insurance (Rechtshulp Verkeer). When you get into a legal dispute after an accident or for example the shop you bought the scooter or moped.
What does my basic scooter or moped insurance cover?
You will always need to check with the insurer but in most cases you basic scooter or moped insurance will cover.
Liability coverage
- Bodily injury liability, this coverage helps pay for the medical expenses of other people if you're at fault in an accident.
- Property damage liability, it covers the cost of repairs to someone else's property if you're at fault in an accident.
Personal injury protection (PIP) or medical payments (optional)
PIP covers medical expenses for you and your passengers, regardless of who is at fault in an accident. Medical Payments coverage is similar but may have more limited coverage.
Uninsured/underinsured motorist coverage (optional)
This coverage protects you if you're involved in an accident with a driver who either doesn't have insurance or doesn't have enough insurance to cover your damages.
Collision coverage (optional)
This coverage helps pay for repairs to your scooter or moped if it's damaged in a collision with another vehicle or object.
Comprehensive coverage (optional)
Comprehensive coverage provides you with protection for damages to your scooter caused by non-collision events, such as theft, vandalism, fire or natural disasters.
Accessory coverage (optional)
This is an optional coverage that may help cover the cost of accessories or modifications you've added to your scooter, such as a custom paint job or upgraded parts
Recommended insurers
Univé
Univé is a cooperative insurance company in the Netherlands. Univé presents itself as a nonprofit insurer, to express that making profit is not important and therefore has cheaper products.
Centraal Beheer
Centraal Beheer is one of the biggest insurance companies in the Netherlands with insurances for scooter or moped, home, car, your bike and much more.
Inshared
InShared was founded in 2009 as an online insurer and became one of the most successful insurers in the online market. The go-to market strategy of online differs a lot from the traditional channels, and within this InShared made some clear choices.