Insuring a moped car (16 years)
Just 16 and own a moped (45 km/h)? Compare Third Party Liability , Third Party Liability + Limited Casco , or Comprehensive Liability – including options for popular models like Birò and Citroën Ami .
Quick start
- Provisional coverage possible
- personal advice
- Response within 1 working day
Which coverage suits your moped car?
WA (Third Party Liability)
Mandatory for every moped car. Covers damage to others (persons/property).
Third party liability + Limited Casco
Theft, fire, storm, and window damage. Popular for young used mopeds.
Fully comprehensive (all-risk)
Also includes own damage. Recommended for newer/more expensive models.
How much does moped insurance cost when you're 16?
Age & claim-free years
At 16, the premium is higher due to risk. Building up a no-claims bonus helps lower your premium.
Postcode & usage
Region and parking location (street/garage) are taken into account. Mileage and home-school/work location are also taken into account.
Value & security
Higher catalog value → higher premium. SCM/CCV alarm or track & trace helps.
Damage & no-claim
Report damage
24/7 reporting. We'll help with repairs or expert assistance and handle communication with the other party.
No-claim & relapse
Claims can affect your step. Paying for minor damages yourself can be more cost-effective in the long run.
Own risk
Choose a deductible for a lower premium. Note: the amount and terms vary by coverage.
Theft & total loss
With WA+, coverage against theft/fire/window damage is included. Comprehensive coverage also covers personal damage. For newer/more expensive models, choose the purchase or new-for-old policy.
Battery & accessories
Comprehensive coverage may the traction battery and diagnostics . Accessories (e.g., charging cable ) are often included in WA+/Comprehensive coverage; check the policy conditions.
No-claim protection
Available with some insurers. Protects your discount for one claim per year (terms and conditions vary).
Additional coverage
Passenger Damage Insurance (SVI)
Compensates for personal injury and property damage for driver + passenger(s), even if the driver is at fault.
Legal assistance traffic
Legal assistance in disputes regarding damage or liability.
Roadside assistance
Roadside assistance, including return of vehicle and occupants, if desired.
Accessories/windows
Coverage for glass breakage and (audio/navigation) accessories – often with WA+ or Allrisk.
Frequently Asked Questions
Is Allrisk possible at the age of 16?
Yes, often. The premium is higher than third-party liability/third-party liability+, and acceptance depends on the model, value, and region. A quote is customized.
Do claim-free years count on a moped car?
You build up a no-claims bonus with your moped insurance policy. Transferring to a car insurance policy is usually not a one-to-one transfer. Ask about the terms and conditions.
Is theft covered?
With WA+ and Allrisk , yes, often with preventative requirements (lock/track & trace). Check the policy.
Is the battery covered?
by comprehensive insurance , including diagnosis/examination in the event of damage. Terms and conditions vary by insurer.
How do I keep the premium low at 16 years old?
Choose appropriate coverage (not too high), consider your deductible, ensure your security is in good order, build up claim-free years, and don't claim for minor damages.
Request your no-obligation quote
We compare multiple insurers and help with acceptance and security requirements.