Third-party liability insurance
- Damage to other vehicles
- Injury to third parties
- Damage to buildings and objects
- Damage caused by passengers
Moped insurance through ASR
A moped or light moped (snorfiets) is light, small and lifted into a van within a minute. The policy therefore turns on the lock, the registration plate and the question of whether the engine has been tampered with.
- 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
Every moped and light moped is subject to the insurance obligation under Article 2 of the Dutch Motor Insurance Liability Act (WAM), even when the vehicle sits unused in the shed for months. Unlike a car or a motorcycle, this category has no registration suspension scheme: the obligation ends only when the vehicle is registered in someone else's name or is handed over against a transfer certificate. The compulsory cover pays only for the damage you cause to others.
For these vehicles, own-damage cover is largely theft cover. Insurers tie it to a certified lock, to handing over all keys after a theft and sometimes to a fixed storage place. If the prescribed lock is missing or you cannot produce a key, the theft is not covered, however careful you were otherwise.
The most important stand-alone exclusion is derestricting the engine. If the construction has been altered so that the vehicle runs faster than its class allows, own-damage cover falls away. The injured third party keeps their rights under the WAM, but the insurer then recovers the amount paid out from you. If you move up to a heavier vehicle, see motorcycle insurance through ASR.
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.
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Through Finass or direct with a.s.r.?
The structure of the cover in three parts, with an overview per situation below.
Third-party liability + fire and theft
Alongside third-party liability cover, protection against damage to your own car from external causes you cannot prevent.
- Fire and storm damage
- Theft and burglary
- Windscreen breakage and glass damage
- Collision with animals
Comprehensive insurance
The most complete cover, including for damage you cause yourself, theft and total loss. We compare ASR's comprehensive version with the market.
- Hail damage
- Damage through your own fault
- Vandalism
- Unknown party at fault
What is covered
| What we do | At Finass | Direct with Ansvar |
|---|---|---|
| Comparison across several insurers | Yes | No |
| Advice based on your own situation | Yes | Provided it is declared |
| One point of contact for claims | Yes | Provided it is declared |
| Cancellation with your current insurer arranged | Yes | No |
| We determine whether Ansvar is the best choice | Yes | No |
| Advice fees for you as a customer | No | No |
What we do
| What we do | At Finass | Direct with a.s.r. |
|---|---|---|
| Comparison across several insurers | Yes | No |
| Advice based on your own situation | Yes | Sometimes |
| One point of contact for claims | Yes | Sometimes |
| Cancellation with your current insurer arranged | Yes | No |
| We determine whether a.s.r. is the best choice | Yes | No |
| Advice fees for you as a customer | No | No |
This overview concerns our service, not the cover. What is actually covered is set out in the policy conditions and on the insurer's insurance card (verzekeringskaart); you receive both before you take out cover.
What does your premium depend on?
- Type of vehicle. Moped, light moped or electric version, and the design speed that goes with it.
- Make, model and replacement value as new. Some models are stolen more often and cost more in parts than others.
- Age of the rider. Young riders form a different risk group from adult users.
- Postcode and where the vehicle is kept. A city centre, a shed or a locked storage room produce very different theft risks.
- Purpose of use. Commuting, recreational riding or delivery work are assessed differently.
- Type of cover and excess. Third-party liability only, third party, fire and theft, or comprehensive cover, with the chosen excess.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, your risk and your 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.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Theft and the lock requirement
On a moped or scooter, the theft risk determines almost the whole own-damage premium. Insurers prescribe a certified lock and, after a theft, require all matching keys plus a police report. A steering lock alone is not enough. Preferably secure the vehicle to a fixed point and photograph the frame number and the keys, so that you can show at claim stage that the conditions were met.
Derestricting and changes to the construction
A modified variator, exhaust or ignition that makes the vehicle run faster than its class allows brings own-damage cover down. After an accident the loss adjuster checks for this, including on a light moped that reaches too high a speed on the rolling road. The injured third party remains protected by the WAM, but the insurer then recovers from the owner what it paid to that third party.
Who rides it and for what
The premium is calculated on the age of the regular rider. If a younger family member borrows the vehicle on a structural basis, the details you gave no longer match. The purpose of use counts too: meal and parcel delivery means many short journeys in busy traffic and is assessed separately. If you regularly carry a pillion passenger on a moped, check whether injury to that passenger falls within the cover.
What is not covered
Outside the cover are: damage caused with a derestricted or otherwise modified vehicle; theft without the prescribed certified lock or without all keys being produced; delivery and courier work that was not declared; taking part in races and skill trials; accessories such as a top box, windscreen or navigation that were not notified; and mechanical defects, wear and breakdown without a collision.
Replacement transport after a claim
Replacement transport after a claim Stay mobile with replacement transport.
Breakdown assistance
Frequently asked questions
This is what people ask us most.
Do I have to stay insured while the moped is not in use?
Yes. The insurance obligation under Article 2 of the Dutch Motor Insurance Liability Act (WAM) attaches to the vehicle, not to its use. For mopeds and light mopeds there is also no registration suspension scheme of the kind that applies to cars and motorcycles. The obligation ends only when the vehicle is registered in someone else's name, is handed to a dealer against a transfer certificate, or is demonstrably scrapped.
What happens if my moped turns out to be derestricted?
Own-damage cover then falls away and damage to your own vehicle is not paid. The other party does receive payment for their loss, because the WAM protects the victim, but the insurer then recovers that amount from you. An exhaust or variator changed after the event also counts as a change to the construction.
Which lock do I have to use?
A certified lock, usually of a recognised quality class. The requirement is set out in the policy clauses. Without that lock, theft cover falls away, even if the vehicle was kept indoors. Keep the proof of purchase and make sure you can produce all keys after a theft, because insurers ask for these as a matter of course.
Is someone else insured on my moped?
Third-party liability cover follows the vehicle, so anyone riding it with your permission is covered for damage to others. For the own-damage side this may be different: if a younger rider than declared uses it on a structural basis, the risk differs from the policy and the insurer may reduce the payment or apply an increased excess.
Every situation is different. For these situations we have a separate page.
- Insuring a moped & comparing premiumsThe main page
- Delivery moped insurance through Vereende
- Moped insurance through Unigarant
- Insuring an electric scooter & comparing premiums
- Insuring a mobility scooter and SegwayLiability, category, theft
- Insuring a scooterThird-party liability compulsory, theft, derestricting
- Insuring a light scooter & comparing premiums
Read more
Within Bromfietsverzekering
Similar pages
Ready to compare?
Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
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.