Insuring a moped car – Everything you need to know
Do you drive one? Moped car or are you planning to purchase one? Then you are legally obliged 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 driver's license. Because a moped is not an ordinary car, a specific requirement applies Moped insurance . This means you are insured 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
Insuring a moped car – Everything you need to know
Do you drive one? Moped car or are you planning to purchase one? Then you are legally obliged 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 driver's license. Because a moped is not an ordinary car, a specific requirement applies Moped insurance . This means you are insured 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 moped insurance?
A Moped insurance is very similar to car insurance, but is fully tailored to the characteristics of a microcar. You can choose from different coverage options:
✔ Third party liability insurance (Third party liability) – Mandatory for anyone driving a microcar. Covers damage you cause to others.
✔ WA + Limited Casco – Extensive coverage, also against damage caused by theft, fire, storm or window breakage.
✔ Allrisk (Full Casco) – The most complete coverage, which also covers damage to your own moped, even if you are at fault.
✔ Passenger accident or damage insurance – For extra protection of driver and passenger.
✔ Legal expenses insurance – Reimburse legal assistance in the event of an accident or conflict.
Extras such as charging facilities or accessories can often be additionally insured.
The Moped insurance compare en we (Finass Verzekert) with all insurers, which means you are covered for the Moped insurance receives the best and most competitive premium from us.
Why good moped insurance is important
🔹 Legal obligation – You are not allowed to go on the road without third party insurance.
🔹 Protection against high costs – Damage to others can be significant.
🔹 Protect your own vehicle – With WA+ or Allrisk you are also insured against theft or personal damage.
🔹 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 moped insurance suitable for?
✔ Young people from 16 years old – Those who drive a microcar with an AM driver's license.
✔ Seniors – For whom a moped is a safe and comfortable means of transport.
✔ City dwellers – Those looking for a sustainable and compact alternative to the car.
✔ Private and business users – Also for entrepreneurs who use a moped for business purposes.
Tips for taking out moped insurance
✅ Take out at least third party liability insurance, this is required by law.
✅ Consider WA+ or Allrisk for new or valuable microcars.
✅ Compare premiums and conditions with multiple insurers.
✅ Please note that accessories, batteries or charging facilities are also insured.
✅ Check the options for one purchase value scheme (up to 36 months).
Apply for your moped insurance now!
Do you want your insure your moped car well and cheaply? Bee Finass Insures We immediately compare the best insurers and ensure that you always benefit from a competitive premium and complete coverage. Whether you choose WA, WA+ or Allrisk: we will find the insurance that perfectly suits your personal situation.
👉 Request a quote today without obligation and hit the road with your moped with peace of mind!
Moped insurance – brands, types & insurers
types
Brands & models
Insurers (via Finass)
Frequently asked questions – Insuring a moped car
Which coverage do I choose: WA, WA+ or Allrisk?
WA covers damage to others. WA+ adds, among other things, theft/fire/window. All risk also covers own damage — often suitable for a new or higher rated moped car.
Is theft (including battery, charger or charging cable) insured?
Bee WA+ and All risk theft is usually covered according to policy conditions. Insurers are paying attention stable (preferably indoors/closed) and security (ART lock and sometimes GPS tracker).
How do I insure the battery(s), charger and charging cable?
Record this as accessories with amount. Also note whether the battery is purchased or leased — this prevents discussion in the event of damage/theft.
Are doors, luggage box and winter set included in the insurance?
Yes, if specified as accessories with value. Think of door modules, winter tires and storage solutions. This way you prevent underinsurance.
Is window or plastic panel damage covered?
Window/panels are usually included WA+ and All risk . Repair is sometimes possible without a deductible; replacement often with a (limited) deductible — different per insurer.
Will I receive replacement transport in the event of damage or breakdown?
Depending on the policy chosen. Replacement transport and roadside assistance (E-mobility) can often be added as an option.
Does business use (delivery/promotion) influence the premium?
Yes. Usage type (private/business), mileage and stable count. Please indicate delivery/last mile explicitly for correct coverage.
How do claim-free years and no-claim discounts work for microcars?
In many cases this can be accrued, but this varies per insurer. You deliver SVJ statement for the right discount and clarity in the event of damage.
Can I go abroad with my moped?
Often within the countries on the green card. Check local requirements and permitted use for microcars/moped cars.
What mainly determines my premium?
Current value/execution, zip code region & parking, security (lock/GPS), kilometers and claim-free years. Include accessories/batteries with amount in the policy.
What information do you need for a quick quote?
License plate/version, purchase price, list of accessories + amounts (battery/charger/cable/doors/box/winter set), annual mileage, storage, damage-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 this 16 year olds (policy construction & registration) and for business commitment (multiple drivers, delivery, fleet options). Ask for it in your quote.
Please note: exact coverage and conditions vary per insurer. We compare and advise custom .
Moped car insurance with Finass Verzekert
You can insure your moped car at Finass Verzekert with tailor-made advice. We compare the best options a . s . r . , Cloverleaf and Uniguarantee, zodat je voor elke situatie The juiste The kking kiest: het general moped insurance, Business moped car, moped car insurance for 16 years and the E-moped insurance .
We help drivers of all popular makes and models every day: Citroen Ami, Birò, Opel Rocks-e and Fiat Topolino; maar ook de klassieke Moped carmerken zoals Ligier (JS50/JS60/Myli), Aixam (City/Coupé/Crossline) and Microcar (M.Go/Duè/Highland). We pay attention to the correct coverage (WA, WA+ or Allrisk), claim-free years and accessories such as doors/hood, luggage box and winter set; and for electric variants battery (owned or lease), charger and charging cable. For business use, we carefully coordinate acceptance requirements (storage, ART lock/GPS) and options such as replacement transport and roadside assistance.
