Your Moped Car Well Insured
A Moped car (also called 45 km car, microcar or minicar) is a compact vehicle with up to 45 km/h. According to Dutch law, a microcar falls under mopeds - that is why a Third party insurance mandatory.
Moped cars are popular with seniors who can no longer renew their driving license, and young people from 16 years old who are still too young for a driving license B. On their own driving license AM are you allowed to drive yet?
Advantages: No road tax, relatively affordable insurance, warm and dry on the road, and safer than a scooter. The premium starts from €15 per month for WA.
Who is a moped car for?
Microcars are ideal for two main target groups:
seniors
Staying mobile without a driving license B. Ideal if a medical driving license examination is not passed.
- ✓ Retain AM driving license if lost B
- ✓ Low entry for many models
- ✓ Short rides to the store/doctor
- ✓ Safer than scooter in bad weather
Young people
Driving before you are 18, with more protection than a scooter. Ideal for school or internship.
- ✓ Driving from 16 years old
- ✓ No helmet required (belt required)
- ✓ Warm and dry to school
- ✓ Safer than moped/scooter
Which Coverage Suits You?
Choose from three levels of coverage:
WA
From €15-€30/month
- ✓ Harm to others
- ✗ Theft of own vehicle
- ✗ Fire own vehicle
- ✗ Own fault damage
WA + Limited Casco
From €50-€80/month
- ✓ Harm to others
- ✓ Theft of own vehicle
- ✓ Fire, storm, hail
- ✗ Own fault damage
All risk / Casco
From €80-€120/month
- ✓ Harm to others
- ✓ Theft of own vehicle
- ✓ Fire, storm, hail
- ✓ Own fault damage
📋 Driving License & Age
For a moped you have: driving license AM required (moped driving license). Minimum age: 16 years. Theory exams are allowed from the age of 15.5.
Do you have driving license B or motorcycle license A? Then AM is automatically credited. Expired driver's license? You can apply for a new AM at the municipality without an exam (if B obtained after July 1, 1985).
💚 Advantages of a moped car
💰 Premium indication 2025
Average monthly premium for moped insurance:
| Coverage | From | Average |
|---|---|---|
| WA (legally required) | €15/month | €20-€30/month |
| WA + Limited Casco | €50/month | €50-€80/month |
| Allrisk (Full Casco) | €80/month | €80-€120/month |
| + Passenger insurance | €3/month | €5-€10/month |
| + Traffic legal assistance | €5/month | €5-€10/month |
🚦 Traffic rules Moped car
⚠️ Age & Premium
The premium for a moped insurance is: higher for young people (16-24 years) and sometimes also for seniors (75+). This is due to a statistically higher risk and fewer claim-free years. It too own risk may be higher. Always compare several insurers – some specialize in certain age groups.
👴 Seniors: Lost driving license B?
- → From the age of 75: medical examination every 5 years for driving license B
- → Did you not pass the inspection? You will lose driving license B, but retains AM driving license
- → With AM you are still allowed to drive a moped
- → Moped car: ideal solution to stay mobile
- → No helmet required (belt required), low entry, warm and dry
Moped Insurers 2025
Insurers who accept microcars:
🚗 Popular Moped brands
💡 Tips for Moped owners
- ✓ Compare multiple insurers: Prices vary greatly
- ✓ New moped car? Consider Allrisk (€10,000-€16,000 new)
- ✓ Build up claim-free years: Saves a lot on premium
- ✓ Check deductible: Higher = lower premium, but higher costs in the event of damage
- ✓ Electric? Insurance is often slightly more expensive due to the battery
- ✓ Considering leasing? Insurance often included
⚡ Electric Moped car
- → Increasingly popular: Citroën Ami, e-Aixam, Ligier e-series
- → No local emissions, quiet, welcome to environmental zones
- → Charging at home via socket
- → Lower maintenance than diesel/petrol
- → Sometimes slightly higher insurance premium due to battery value
- → No road tax (just like diesel/petrol microcar)
