Your Scooter Well Insured
A scooter insurance is legally required for every scooter, moped or light moped with a license plate. The DMV checked periodically – driving without insurance can lead to fines and the immobilization of your vehicle.
Whether you have a Moped (yellow license plate, max. 45 km/h), Moped (blue license plate, max. 25 km/h) or Speed Pedelec drives – at least one Third party insurance is mandatory. Do you also want to cover damage to your own scooter? Then choose WA+ or Allrisk.
The premium for scooter insurance varies from €3 to €60 per month, depending on coverage, age, place of residence and claim-free years. Comparing pays off – build up to 75% no-claim discount on!
Moped, moped or speed pedelec?
What type of two-wheeler do you have?
Moped
Yellow license plateScooter or moped with max. 45 km/h. Helmet requirement. Rides on a moped path or roadway.
- → Max. 45 km/h
- → Helmet required
- → Driving license AM (or B/A)
- → From 16 years
Moped
Blue license plateMustache scooter with max. 25 km/h. Helmet mandatory since 2023. Rides on bicycle path.
- → Max. 25 km/h
- → Helmet mandatory (2023)
- → Driving license AM (or B/A)
- → From 16 years
speed pedelec
Yellow license plateElectric bicycle up to 45 km/h. Applies to as a moped. Helmet and license plate required.
- → Max. 45 km/h
- → Helmet required
- → Driving license AM (or B/A)
- → License plate required
Which Coverage Suits You?
Choose from three levels of coverage:
WA
From €3-€10/month
- ✓ Harm to others
- ✗ Theft of own scooter
- ✗ Brand your own scooter
- ✗ Own fault damage
WA + Limited Casco
From €15-€30/month
- ✓ Harm to others
- ✓ Theft of own scooter
- ✓ Fire & storm
- ✗ Own fault damage
All risk
From €30-€60/month
- ✓ Harm to others
- ✓ Theft of own scooter
- ✓ Fire & storm
- ✓ Own fault damage
🔐Lock & Security Requirements
Insurers impose requirements on the security of your scooter for theft coverage. Without a good lock, no compensation in the event of theft!
ART approved lock (minimum 3 stars) is mandatory for most insurers. For expensive scooters (Vespa, Piaggio) one can also be used vehicle tracking system are mandatory.
💰 Premium indication 2025
Average monthly premium for scooter insurance:
| Coverage | From | Average |
|---|---|---|
| WA (legally required) | €3/month | €10-€20/month |
| WA + Limited Casco | €15/month | €20-€40/month |
| Allrisk (Full Casco) | €30/month | €40-€60/month |
| + Passenger insurance | €2/month | €3-€5/month |
| + Breakdown assistance Netherlands | €1/month | €2-€4/month |
👤 Age & Deductible
The age of the driver has a major influence on the premium and the deductible. Young drivers (16-24 years) pay more and often have a higher deductible.
📊 Scooter Facts Netherlands
⚠️ Upgraded Scooter Not Insured
A souped-up moped or scooter is not insured! Are you causing harm to others? Then the insurer will reimburse this, but will recover the costs from you. Damage to your own scooter will not be reimbursed. Speeding up is also a punishable offense – you risk a fine and the confiscation of your vehicle.
➕ Additional Coverages
👥 Passenger insurance
Coverage for personal and material damage to driver and passenger in the event of an accident.
⚖️ Redress legal aid
Legal assistance to recover damages from the other party after an accident.
🔧 Roadside assistance
24/7 roadside assistance. In the Netherlands or throughout Europe, depending on the policy.
💀 Accident insurance
Benefit in the event of permanent disability or death as a result of an accident.
🎒 Accessories
Helmet and accessories (windshield, top case) are often insured for up to €350-€1,000.
💰 Purchase value scheme
In case of total loss or theft in the 1st year: full purchase value will be reimbursed.
🚦 Driving License & Traffic Rules
- → Driving license AM: Mandatory for mopeds, mopeds and speed pedelecs. From 16 years.
- → Driving license B or A: AM is automatically credited.
- → Helmet: Mandatory for mopeds and light mopeds (since January 1, 2023).
- → Moped 45 km/h: Rides on a moped path or roadway (municipality determines).
- → Moped 25 km/h: Rides on a cycle path (except Amsterdam/Utrecht: roadway).
- → Max. 1 passenger: In the designated seat (duo/buddy seat).
Scooter insurers 2025
Specialized insurers for scooters and mopeds:
💡 Tips for Scooter Owners
- ✓ Compare annually: Premiums and conditions vary enormously
- ✓ Build up claim-free years: Up to 75% discount possible
- ✓ Invest in a good lock: ART-3 or higher prevents theft and is mandatory
- ✓ Please specify correct driver: Kind <25 altijd als hoofdbestuurder
- ✓ Save invoices: For lock, accessories and scooter itself
- ✓ Check green card: For coverage abroad
🛵 Popular Scooter Brands
⚡ Electric Scooter Insurance
- → Electric scooters are covered by the same insurance as petrol scooters
- → At least third party liability insurance is mandatory
- → Speed pedelecs (45 km/h e-bike) have a yellow license plate and are considered mopeds
- → Fat bikes are not scooters – you insure them as a bicycle
- → For expensive electric scooters: check whether the battery is separately insured
