Third-party liability
- Damage to other vehicles and injury
- No cover for your own scooter
- Compulsory under Article 2 of the Dutch Motor Insurance Liability Act (WAM)
- Suitable for an older scooter
Insuring a Kymco Agility
The Kymco Agility comes as a 50cc version and in heavier versions with a larger engine capacity. Which version you ride determines the licence, your place on the road and the premium.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your situation
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
A scooter is a motor vehicle, so the the insurance requirement in Article 2 WAM. Third-party liability cover is compulsory for as long as the registration is in your name, even when the Agility stays in the shed all winter. If you want to stop that obligation temporarily, you suspend the registration with the RDW. You may then not ride. For damage to the scooter itself, third-party, fire and theft or comprehensive cover needed.
The difference between a light scooter and a moped scooter is decisive. A light moped is restricted to 25 kilometres per hour, a moped to 45. Both require registration and for both there is a compulsory helmet: for moped riders for many years, for light moped riders since 1 January 2023. From the age of sixteen you ride with an category AM driving licence. The 125cc versions no longer fall within the moped category and call for a motorcycle licence.
On a popular city scooter such as the Agility, theft weighs heavily on the premium. Insurers therefore tie theft cover to a security requirement: a lock with ART quality mark in the prescribed category, sometimes supplemented by a tracker or compulsory storage. If that requirement is in your policy and has not been met, theft is simply not covered, however careful you were otherwise.
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Which cover suits an Agility?
Three levels of cover, with the situations that arise most often on a city scooter set out beneath them.
Third-party liability + fire and theft
On top of that to third-party liability, a fixed list of events, with theft as the main element.
- Theft provided the ART lock was used
- Fire, storm and hail damage
- Damage from a collision with an animal
- Your own fault remains at your own expense
Comprehensive
Also damage to your own scooter through your own doing or with no other party involved.
- Falling over, skidding and fall damage
- Vandalism and damage without a third party involved
- Often a purchase value arrangement in the first year
- You can choose your own excess
What is covered
| Situation | Third-party liability | Comprehensive |
|---|---|---|
| Damage you cause to someone else with the Agility | Yes | Yes |
| Theft while the prescribed ART lock was used | No | Yes |
| Theft without the prescribed ART lock | No | No |
| Damage from a fall where you come off yourself | No | Yes |
| Loose accessories such as a top box and windscreen | No | Provided that |
| Damage after the scooter has been derestricted | No | No |
What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) that you receive before you take out cover.
What does your premium depend on?
- Version and engine capacity: light moped, moped or 125cc
- Age of the driver: young drivers weigh heavily
- No-claims years: these determine your discount step
- Postcode area: the risk of theft varies widely
- Storage and security: a shed or garage makes a difference
- Type of cover and excess: third-party liability, third-party, fire and theft, or comprehensive
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, risk and wishes.
- We compareseveral insurers, on premium as well as conditions.
- You receive a proposalWith an explanation of the differences and the exclusions.
- We arrange the switchIncluding cancellation, so there is no gap in cover.
Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
9.5New policy
9.8Claims handling
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
What makes the difference on this scooter
Four points that go wrong more often on a 50cc city scooter than on a car.
Choosing a light scooter or a moped scooter
The Agility comes in both versions and that difference feeds through into the premium, the licence and the traffic rules. A light moped may generally use the cycle path, a moped usually belongs on the carriageway within built-up areas. A growing number of local authorities are also introducing their own rules for light moped riders. Have the policy record exactly what is on the registration document. A version registered incorrectly leads to argument about the premium and the cover after a loss.
Security determines whether theft is paid
Scooters are stolen more often than cars, and insurers translate that into firm requirements. Usually an an ART-approved lock in a prescribed category is compulsory, secured to a fixed object. Keep the invoice for the lock and both keys: you must be able to produce them at claim stage. If a key is missing or the lock was not used, the claim is refused, even where there was clearly a theft.
What is not covered
The following, among others, are outside the cover: tuning up the engine or a modified construction, even where the modification was made by a previous owner; driving without the required licence category or under the influence; theft without the prescribed ART lock; and damage during hire or delivery work that has not been declared. Wear, punctures and mechanical defects without a collision also fall outside it, as does damage through intent or recklessness (Article 7:952 of the Dutch Civil Code).
Reporting use and modifications
On taking out the policy, the duty of disclosure applies under Article 7:928 of the Dutch Civil Code. If you are going to deliver meals or parcels with the Agility, hire it out through a platform or have a second, younger rider using it on a structural basis, report that. If you do not, the insurer may reduce or refuse payment (Article 7:930 of the Dutch Civil Code). You report a claim as soon as reasonably possible (Article 7:941 of the Dutch Civil Code).
Frequently asked questions
This is what people ask us most.
Do I have to insure my Agility even if I do not ride it?
Yes. Article 2 of the Dutch Motor Insurance Liability Act (WAM) ties the insurance obligation to the registration, not to the use. For as long as the registration is in your name, there must be at least third-party liability cover, even if the scooter stands indoors for six months. If you want to save premium over the winter, you suspend the registration with the RDW. While the suspension runs, you may not use the public road.
Is a helmet compulsory on a low-speed scooter?
Yes. Since 1 January 2023 a helmet requirement has applied to light moped riders too. For moped riders it had applied for much longer. If you ride without a helmet, you risk more than a fine: after an injury the insurer or the other party may leave part of the loss at your expense because of contributory negligence. Choose a helmet that meets the statutory approval requirements.
What happens if my scooter has been tuned?
Cover for damage connected with it then falls away and the insurer may cancel the policy. A modified variator, exhaust or ignition makes the scooter a different vehicle from the one insured. If you buy a second-hand Agility, have it checked that nothing has been modified: the fact that a previous owner did it is no defence as far as the insurer is concerned.
Am I allowed to deliver with my scooter?
Only after reporting it and having it accepted. Delivery means far more kilometres in busy city traffic and that is a different risk from commuting. Insurers charge a separate premium for it or decline it. If you make delivery journeys without reporting them, the insurer may refuse payment after a loss because of a concealed increase in risk. The same applies to hiring out through a sharing platform.
Are a top box and helmet included in the cover?
Not as a matter of course. Accessories not fitted at the factory, such as a top box, windscreen or gloves, come under the cover only if they have been notified and a limit has been included for them. For a helmet and clothing, some policies offer separate equipment cover. Ask about it and keep purchase receipts, because without proof of value a claim is difficult.
Every situation is different. For these situations we have a separate page.
- Insuring a moped & comparing premiumsThe main page
- Insuring a VespaPressed steel frame, high residual value, prone to theft
- Insuring a scooter as a self-employed professional (zzp'er)Business use, registration required, declaring delivery
- Insuring a PiaggioVehicle category, theft, lock requirements
- Insuring a business light quadricycle (brommobiel)AM licence, registration required, business use
- Compare scooter insuranceBlue or yellow plate, helmet requirement, derestricting
- Insuring a scooterThird-party liability compulsory, theft, derestricting
- Insuring a low-speed scooterBlue plate, cycle path, battery
Read more
Would you like a premium calculated for your Agility?
Request a quotation without obligation using the registration number. We compare both premium and conditions for your model.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
This page was compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.