Business moped insurance through a.s.r.
A moped owned by the business is, in insurance terms, something other than the same moped used privately. The difference lies in who rides it and for what.
- 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 activities
- 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
Finass places business two-wheeler policies with a.s.r. among others and compares them with what other companies offer. The choice follows from your use, not from the name of the insurer. The wider business range of this insurer is set out at the overview page, the private version at moped insurance. Third-party liability is and remains compulsory under Article 2 of the Dutch Motor Insurance Liability Act (WAM), including for a vehicle registered in your company's name.
The decisive field on the application is the description of use. A moped used by an engineer travelling between sites is a different risk from a scooter delivering meals all evening. Delivery for payment means many short journeys, time pressure, city traffic and young riders, and insurers assess it separately or decline it. If you do not declare it, you come up against Article 7:928 of the Dutch Civil Code and the insurer may reduce or refuse payment after a loss on the basis of Article 7:930 of the Dutch Civil Code. There is a separate market for this particular risk; see delivery moped insurance.
The second point is that third-party liability cover exists for others. If one of your own staff is injured, that is an employment law matter. For taking part in traffic in the course of the work, the employer has a separate obligation to make proper provision. That runs through motor accident cover for employees or employers' liability cover, not through the vehicle policy. The difference between those versions is set out at WEGAS and WEGAM.
This page deals with one situation. The full overview is on Compare scooter insurance.
Independent, personal, sorted quickly
We compare your moped insurance across dozens of insurers, explain where the real differences lie, and arrange the switch from start to finish — without you having to chase it yourself.
Moped insurance
Compare
Get coveredWhy 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.
What to look out for
Four points that lead to discussion where mopeds and light mopeds are used for business.
Who may ride it is stated on the clause schedule
On a company vehicle the riders change. Insurers deal with this by means of a minimum age and the requirement of a valid AM licence. If someone rides who does not meet that requirement, own-damage cover falls away and Article 15 of the Dutch Motor Insurance Liability Act (WAM) leaves the door open to recovery of what was paid to the victim. So record who is given the key.
Duty of care towards the riding employee
Article 7:658 of the Dutch Civil Code requires you to provide a safe working environment, and subsection 4 extends this to hired-in staff and agency workers. For delivery work that means, in concrete terms: instruction on road behaviour, provision of a helmet, maintenance of the vehicles, and no bonus structure that rewards speed. Without a file to show for it, you are in a weak position when your own delivery rider brings an injury claim.
Hiring out and lending to others
If you place vehicles with others for payment, that is letting and an ordinary policy excludes it. The same applies to lending on a structural basis to self-employed delivery riders with their own business. This is not a detail: it is one of the first things an insurer asks about when investigating a claim.
Theft and the storage clause
For vehicles left overnight on business premises or on the public road, the policy often carries a prevention requirement: an approved lock, a locked space or a tracking system. Such a clause is a condition of cover. With a fleet of several vehicles it is worth matching that requirement to actual practice before the policy starts.
What does your premium depend on?
- Purpose of use: commuting, service visits or delivery
- Number of vehicles: above a certain number, a fleet approach applies
- Age of the youngest driver: the heaviest factor where riders change
- Type of cover: third-party liability only, or with third party, fire and theft, or comprehensive cover
- Storage address and security: postcode and overnight location both count
- The company's claims history: assessed across the whole fleet, not per vehicle
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | Third-party liability | Comprehensive |
|---|---|---|
| Your delivery rider hits a pedestrian crossing the road, who is injured | Yes | Yes |
| The damage to your own scooter after that same rider comes off on a tram rail | No | Yes |
| A fire in the battery of an electric company scooter while it is charging | No | Yes |
| Vandalism to three scooters left overnight on the business premises | No | Yes |
| Your delivery rider's helmet and phone holder are ruined in the fall | No | No |
| A parked scooter blows over and damages the car next to it | Provided that | Provided that |
Third party, fire and theft sits between the two and does cover fire, storm and theft, but not a fall the rider causes themselves.
Frequently asked questions
This is what people ask us most.
Is delivery work covered by an ordinary business moped policy?
Usually not, unless it has been expressly declared and accepted. Delivery is a heavier risk because of the number of journeys per hour and the age of the riders; many insurers exclude it or apply a separate rate. State exactly what the vehicles are used for when you apply, and have any change in how the business operates amended straight away.
Is my employee insured if they come off without another party being involved?
Third-party liability cover on the vehicle does not pay the rider, and third party, fire and theft only pays for damage to the vehicle. For the injury itself, personal accident cover or motor accident cover for employees is needed. If a claim is brought against you as the employer, the duty of care under Article 7:658 of the Dutch Civil Code comes into play and the insurer will check whether you can show instruction and maintenance.
What if an employee derestricts the vehicle?
The vehicle is then no longer what has been insured. Damage to the vehicle falls outside own-damage cover, and where a third party is injured the insurer does pay the victim but may recover the amount. Include the ban on changes to the construction in your rules on use, and check for signs of derestricting when the vehicles are serviced.
Can I put several scooters on one policy?
Yes. With a handful of vehicles this runs as separate lines on a combined policy with a shared renewal date. With larger numbers it becomes a fleet approach, in which the premium is based on the claims record of the whole rather than on no-claims years per vehicle. If you work on your own with a single scooter, see insuring a scooter as a self-employed professional (zzp'er).
Every situation is different. For these situations we have a separate page.
- Insuring a moped & comparing premiumsThe main page
- Insuring a business light quadricycle (brommobiel) by makeBusiness use, changing drivers, load
- Delivery moped insurance through Vereende
- Insuring a business light quadricycle (brommobiel)AM licence, registration required, business use
- Insuring a scooter as a self-employed professional (zzp'er)Business use, registration required, declaring delivery
- Insuring a low-speed scooterBlue plate, cycle path, battery
- Insuring a classic mopedEstablishing the value, originality, storage