Third-party liability
- Required by law
- As long as the registration is in your name
- Suspend the registration when not in use
Insuring a Biro light quadricycle (brommobiel)
The Biro owes its place to its narrow build and its removable battery pack, and it is precisely those two features that determine where the cover stops.
- 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
The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert.nl or call 072 - 509 24 56 and we will take it from there.
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 Biro is bought to park where nothing else fits and to charge indoors. On versions with a removable battery pack you take the battery out of the vehicle and charge it in the house, in a storage room or at the office. That moves a considerable part of the value outside the vehicle, and with it the question of which policy stands behind it at that moment.
The second peculiarity is where the vehicle is driven. Holiday parks, campsites, harbours, business sites and care locations are typical areas of use. The insurance obligation under Article 2 of the Dutch Motor Insurance Liability Act (WAM) reaches further than the public road: sites that are in fact open to the public come under it too. A vehicle that only drives around a park therefore still needs third-party liability cover.
If the vehicle is handed to guests or staff, that is hiring out or shared use and not private use. For delivery journeys, a separate risk classapplies. How electric driving works out on the policy generally is set out at the electric light quadricycle (brommobiel).
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 insurancePhoto coming soon
ComparePhoto coming soon
Get coveredPhoto coming soon
Biro light quadricycle: what is covered?
The structure of the cover in three parts, with an overview per situation below.
Third-party, fire and theft
Causes beyond your control.
- Fire and storm
- Theft
- Windscreen damage
Comprehensive
Including damage you cause yourself.
- Own fault
- Vandalism
- Replacement-as-new period
What is covered
| Situation | Third-party liability | Third-party, fire and theft | Comprehensive |
|---|---|---|---|
| Damage to the other party | Yes | Yes | Yes |
| Theft | No | Yes | Yes |
| Fire and storm | No | Yes | Yes |
| Damage you cause yourself | No | No | Yes |
| Wear and mechanical defects | No | No | No |
| Driving without a valid licence | No | No | No |
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
What does your premium depend on?
- Value including the battery pack. The battery pack forms a substantial part of the value to be insured and counts towards the own-damage premium.
- Removable or fixed battery. A pack that leaves the vehicle carries a different theft and fire risk from a permanently mounted battery.
- Type of use. Private use, use within an organisation and hire to guests are rated separately.
- The site where the vehicle is driven. A closed park or harbour produces a different claims pattern from daily city traffic.
- Storage and charging point. Keeping the vehicle outside and charging indoors are two separate questions, each of which affects the risk.
- Type of cover and excess. Third-party liability, third party, fire and theft, or comprehensive cover, with an excess that is usually higher where the vehicle is hired out.
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.
The battery pack outside the vehicle
As soon as you take the battery out, it is no longer part of the vehicle standing in the street. If the pack is stolen from your storage room, that is more a home contents matter than an own-damage claim, and each policy may point to the other. Establish in advance whether the pack remains covered by the vehicle policy while it is out, and whether a separate limit or condition applies to it.
Charging indoors and the fire risk
A battery pack charged indoors often stands in a storage room, a shed or a hallway. Insurers set conditions for that: charging with the original charger, not by way of a coiled extension reel and not in an escape route. If a fire breaks out and it turns out that charging was done otherwise, that affects both the vehicle cover and the buildings insurance (opstalverzekering) and home contents insurance (inboedelverzekering) of the property where the pack was standing.
Hiring out, shared use and changing drivers
If you hand the vehicle to park guests, to residents or to staff, someone is driving whom you do not know and whom you have not checked for an AM licence. Standard policies exclude hiring out. For this use you need a policy with a hire or shared-use clause, with arrangements on recording the driver, the excess you pass on and the age limit you apply.
What is not covered
Outside the cover are: loss of battery capacity through ageing, because that is wear and not a sudden event; damage from charging with a non-original charger or a faulty installation; hiring out or shared use that has not been declared; theft of items left loose in the vehicle; driving without an AM licence; and damage through intent or wilful recklessness, for which Article 7:952 of the Dutch Civil Code applies.
Frequently asked questions
This is what people ask us most.
Is the battery pack insured when it is out of the vehicle?
That is not settled automatically. While the pack is in the vehicle, it belongs to the own-damage cover. If it is lying on the charger in your storage room, an insurer may take the position that it is no longer a vehicle component. Ask for a written answer on this in advance and check whether your home contents insurance picks the pack up in that case.
Is loss of battery capacity covered?
No. A battery that gives less range after some years is worn out, not damaged property. Insurance covers sudden and unforeseen events, such as fire, theft or a collision. For gradual loss of capacity you are left with the manufacturer's warranty from the supplier. Do ask whether the battery is settled at replacement value as new or at market value after a loss.
May I hire the Biro out to guests at my park?
Not on a standard policy; hiring out is excluded there. You need insurance that expressly allows hire or shared use. Also record internally that you check and log the AM licence of every user. If a guest drives without an AM licence, there is no authorised driver and your own damage goes unpaid.
Do I have to insure the vehicle if it is only driven on my own land?
Almost always, yes. The insurance obligation under Article 2 of the Dutch Motor Insurance Liability Act (WAM) extends to sites that are in fact open to the public, such as a campsite, a car park or a harbour area. The obligation also continues for as long as the registration is in your name. Only with a suspended registration and use on wholly closed land is the position different.
Every situation is different. For these situations we have a separate page.
- Insuring a moped & comparing premiumsThe main page
- Insuring a Citroën AmiElectric, battery, charging
- Insuring an Aixam light quadricycle (brommobiel)List price, parts, own damage
- Insuring an electric light quadricycle (brommobiel)Battery, charging, total loss
- Insuring a light quadricycle (brommobiel)45 km, AM licence, own-damage cover
- Insuring a Fiat TopolinoElectric, battery, storage
- Insuring a light quadricycle (brommobiel) at the age of 16AM licence, premium, no-claims years
- Insuring a light quadricycle (brommobiel) for deliveriesBusiness use, risk class, declaring it
- Insuring a quadRegistration, off-road, third-party liability
Read more
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. Last updated on .
The information on this page is general in nature and is not personal advice.