Third-party liability
- Damage to other vehicles and injury
- No cover for your own vehicle
- Compulsory under Article 2 of the Dutch Motor Insurance Liability Act (WAM)
- Continues for as long as the registration is in your name
AM licence · registration required · business use
Insuring a business light quadricycle (brommobiel)
In law a light quadricycle (brommobiel) is neither a car nor a scooter, but a light four-wheeled motor vehicle in the moped category. That determines which policy goes with it and what requirements the insurer sets for the driver and the use.
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Deze pagina in het Nederlands: Zakelijke brommobiel verzekeren.
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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.
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- 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.
In brief
In the Netherlands the light quadricycle falls within the moped category: a light four-wheeled motor vehicle with a closed body, a registration and a restricted design speed of 45 kilometres per hour. You may drive it from the age of sixteen with an category AM driving licence; anyone holding a category B licence is also entitled to drive it. A helmet is not needed, because the driver sits in a closed cabin with a seat belt. Motorways and dual carriageways are not permitted.
Because it is a motor vehicle, the the insurance requirement in Article 2 WAMapplies. Third-party liability cover is therefore not optional and must remain in force for as long as the registration is in the company's name, even if the vehicle stands unused for a whole winter. If you want to stop that obligation temporarily, you suspend the registration with the RDW. Damage to the light quadricycle itself only comes under the policy with third-party, fire and theft or comprehensive cover.
Where the vehicle is used for business, a second layer comes into it. If an employee drives, you as the employer remain bound by the duty of care under Article 7:658 of the Dutch Civil Code and by good employment practice (Article 7:611 of the Dutch Civil Code), from which case law derives a requirement for proper insurance for taking part in traffic during working hours. A light quadricycle policy does not cover that automatically; personal accident cover or motor accident cover for employees is needed for it. Also report what you use the vehicle for: delivery work or hiring out changes the risk fundamentally.
Which cover suits a business light quadricycle?
Three levels of cover, with the situations that arise most often in business use set out beneath them.
Third-party liability + fire and theft
Alongside third-party liability, a fixed list of events such as theft, fire, glass damage and storm.
- Theft after a burglary with signs of forced entry
- Fire, storm and hail damage
- Windscreen damage and windscreen replacement
- Your own fault remains at your own expense
Comprehensive cover
Also damage to your own light quadricycle (brommobiel) through your own doing or with no other party involved.
- Collision and parking damage
- Damage with no known other party
- Often a purchase price scheme in the first year
- You can choose your own excess
What is covered
| Situation | Third-party liability | Comprehensive cover |
|---|---|---|
| Damage you cause to someone else with the light quadricycle | Yes | Yes |
| Theft of the light quadricycle or of parts | No | Yes |
| Collision damage to your own vehicle | No | Yes |
| Load or tools in the back of the vehicle | No | Provided that |
| Delivery journeys that have not been reported to the insurer | No | No |
| Damage after the speed limiter has been removed | No | No |
What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) that you receive before you take out cover.
What makes the difference on a business light quadricycle
Four points on which this category differs from both a car and a scooter.
Moped category, not a car policy
A light quadricycle looks like a small car, but it is insured as a moped. That means a rating structure of its own and usually no build-up of no-claims years that you can use later on car insurance. The no-claims scale also works differently. Ask in advance and in writing whether and how your no-claims years are recorded, particularly if the vehicle is a stepping stone to a van or passenger car in the same business.
Recording drivers and the licence category
If more than one person drives it, declare all regular drivers. Driving without the required licence category is a hard exclusion: if someone is at the wheel without an category AM driving licence , the insurer does not pay for the damage to your own vehicle. The third-party liability payment to the victim does stand, but the insurer then recovers that amount from the policyholder.
What is not covered
The following, among others, are outside the cover: tuning up the engine or a modified construction, so removing or altering the speed limiter; driving without the required licence category or under the influence; theft where the prescribed lock or the prescribed security has not been used; and damage while the vehicle is hired out, in shared use or on delivery work if that use has not been reported. Wear and mechanical defects without a collision are also excluded, as is damage through intent or recklessness (Article 7:952 of the Dutch Civil Code).
Report at the start and when something changes
On taking out the policy, the duty of disclosure applies under Article 7:928 of the Dutch Civil Code. If you do not say that the light quadricycle is used for delivery, is driven by changing drivers or stands in the street overnight, the insurer may reduce or refuse payment (Article 7:930 of the Dutch Civil Code). If the use changes as time goes on, let us know. You report a loss as soon as is reasonably possible, as Article 7:941 of the Dutch Civil Code requires.
What does your premium depend on?
- List price and trim level — electric counts differently from petrol
- Age of the drivers — young drivers weigh heavily
- Business purpose of use — delivery costs more than commuting
- Postcode area and storage — theft risk by area
- Type of cover and excess — third-party liability, third-party, fire and theft, or comprehensive
- The company's claims history — earlier claims count
Insurers weigh these details differently. That is why comparing pays off.
How we arrange it
- You request a quoteWe take stock of your situation, risk and 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.
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.
Frequently asked questions
The questions we are asked most often about this.
Does a light quadricycle have to be insured even when it is standing still?
Yes. Article 2 of the Dutch Motor Insurance Liability Act (WAM) ties the insurance obligation to the registration, not to the use. For as long as the registration is in your company's name, there must be at least third-party liability cover, even where the vehicle stands indoors for months. If you want to avoid those costs during a quiet period, suspend the registration with the RDW. While the suspension runs, you may not use the public road.
Which licence does the driver need?
From the age of sixteen, an AM licence is enough for a light quadricycle. Anyone who already holds a category B licence is also entitled to drive it. Record in your own administration which staff may drive and check that their licences are valid. If someone drives without the right category, the damage to the vehicle is not covered and the insurer may recover from you the loss paid to the other party.
May I use a business light quadricycle for delivery?
Only if you report it in advance and the insurer accepts it. Delivery means more kilometres, more frequent starting and stopping in busy traffic and a higher claims figure. Insurers assess that as a separate risk and charge a different premium for it. If you make delivery journeys without reporting them, the insurer may refuse payment because of a concealed increase in risk and cancel the policy.
Is the load in the light quadricycle included in the cover?
Generally not as a matter of course. Tools, samples or ordered goods in the back do not come under the own-damage cover on the vehicle. Separate cover is needed for that, for instance for tools and business contents or goods-in-transit insurance for carriage of your own goods. Check whether a limit and a forced-entry requirement apply: theft without signs of forced entry is almost never paid.
What happens if the speed limiter has been removed?
Cover for damage connected with it then falls away. An altered construction or a removed speed limiter makes the vehicle something other than what is insured; insurers exclude that expressly. The police can also check the vehicle on a rolling road. So leave the drive train and software alone, and report repairs that affect the top speed.
Read more
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Would you like a premium calculated for your business light quadricycle?
Request a quotation by registration number without obligation; we compare premium and conditions for business use.
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 written and checked by an adviser at Finass Verzekert. Last updated on .
The information on this page is general in nature and is not personal advice.