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Moped car insurance – Everything you need to know
Do you drive a moped or are you planning to buy one? Then you're legally required to take out insurance. A moped is a small four-wheeler with a maximum speed of 45 km/h, which you can drive from the age of 16 with an AM license. Because a moped is not a regular car, it requires specific moped insurance . This insures you against damage you cause, and you can choose additional coverage to optimally protect yourself and your vehicle.
Quick start
- Provisional coverage possible
- personal advice
- Response within 1 working day
Moped car insurance – Everything you need to know
Do you drive a moped or are you planning to buy one? Then you're legally required to take out insurance. A moped is a small four-wheeler with a maximum speed of 45 km/h, which you can drive from the age of 16 with an AM license. Because a moped is not a regular car, it requires specific moped insurance . This insures you against damage you cause, and you can choose additional coverage to optimally protect yourself and your vehicle.
Quick start
- Provisional coverage possible
- personal advice
- Response within 1 working day
What is a moped insurance?
Moped insurance is very similar to car insurance, but it's fully tailored to the specifics of a moped. You can choose from various coverage options:
✔ Third-party liability insurance (WA) – Mandatory for everyone who drives a moped car. Covers damage you cause to others.
✔ Third-party liability + limited coverage – More extensive coverage, also against damage due to theft, fire, storm or glass breakage.
✔ Fully comprehensive – The most comprehensive coverage, which also reimburses damage to your own moped car, even if you are at fault.
✔ Accident or passenger damage insurance – For extra protection of the driver and passenger.
✔ Legal expenses insurance – Reimburses legal assistance in the event of an accident or dispute.
Extras such as charging facilities or accessories can often be additionally insured.
compare Moped insurance with all insurers, so you get the best and most competitive premium Moped insurance
Why good moped insurance is important
🔹 Legal obligation – You are not allowed on the road without third-party liability insurance.
🔹 Protection against high costs – Damage to others can be considerable.
🔹 Protect your own vehicle – With WA+ or Allrisk, you are also insured against theft or damage to your own vehicle.
🔹 More security and peace of mind – With additional coverage such as legal assistance or passenger insurance.
With the right policy you are prepared for any situation.
Who is a moped car insurance suitable for?
✔ Young people aged 16 and up – Who drive a moped car with an AM license.
✔ Seniors – For whom a moped car is a safe and comfortable means of transport.
✔ City dwellers – Who are looking for a sustainable and compact alternative to the car.
✔ Private individuals and business users – Also for entrepreneurs who use a moped car for business purposes.
Tips for taking out moped insurance
✅ Get at least third-party liability insurance (WA), which is legally required.
✅ Consider WA+ or Allrisk for new or valuable mopeds.
✅ Compare premiums and terms from multiple insurers.
✅ Pay attention to co-insurance of accessories, batteries, or charging stations.
purchase value scheme (up to 36 months) options
Apply for your moped insurance now!
reliable and affordable insurance for your ? At Finass Verzekert, we instantly compare the best insurers and ensure you always benefit from a competitive premium and comprehensive coverage. Whether you choose third-party liability, third-party liability+, or comprehensive coverage, we'll find the perfect insurance policy for your personal situation.
👉 Request a free quote today and hit the road with your moped car with peace of mind!
Moped insurance – brands & types
Types
Brands & models
Frequently Asked Questions – Moped Car Insurance
Which coverage should I choose: WA, WA+ or Allrisk?
(WA) covers damage to others. (WA+) adds coverage for theft/fire/window damage, among other things. Comprehensive coverage also covers damage to your own property —often appropriate for a new or higher-valued moped car.
Is theft (including of the battery, charger or charging cable) insured?
With WA+ and Comprehensive coverage , theft is usually covered under the policy terms. Insurers pay attention to storage (preferably indoors/locked) and security (ART lock and sometimes GPS tracker).
How do I insure the battery(ies), charger and charging cable?
Include these as accessories with the price . Also note whether the battery was purchased or leased —this prevents disputes in case of damage or theft.
Are his doors, luggage box and winter set also insured?
Yes, provided they are declared as valuable accessories winter tires, and storage solutions. This way, you avoid underinsurance.
Is damage to windows or plastic panels covered?
Windows/panels are generally covered by WA+ and Comprehensive insurance . Repairs are sometimes possible without a deductible; replacement often comes with a (limited) deductible—this varies by insurer.
Will I get replacement transportation in case of damage or breakdown?
Depending on the policy selected. Replacement transportation and roadside assistance (e-mobility) are often optional.
Does business use (delivery/promotion) affect the premium?
Yes. Use type (private/business), mileage , and storage are taken into account. Please explicitly indicate delivery/last-mile coverage for correct coverage.
How do no-claims years and no-claims discount work for mopeds?
In many cases, this can be done, but this varies by insurer. Submit your SVJ statement for the correct discount and clarity in the event of a claim.
Can I take my moped car abroad?
Often within the countries listed on the Green Card . Check local regulations and permitted use for microcars/mopeds.
What mainly determines my premium?
Current value/model , postal code region & storage , security (lock/GPS), mileage , and claim-free years . Accessories/batteries and their corresponding amounts should be included in the policy.
What information do you need for a quick quote?
License plate/model, purchase price, list of accessories + amounts (battery/charger/cable/doors/box/winter set), annual mileage, storage, claim-free years and drivers.
Do you also have solutions for young people (16 year olds) or for business use?
Yes. We have separate advice lines for 16-year-olds (policy construction & registration) and for business use (multiple drivers, delivery, fleet options). Please ask for this information in your quote.
Please note: exact coverage and terms vary by insurer. We compare and provide personalized .
