Your mobility scooter is well insured
A Mobility scooter offers you freedom and independence. Whether you're shopping, visiting friends or enjoying a ride through the park – a mobility scooter keeps you mobile. A good one mobility scooter insurance ensures that you can hit the road without any worries.
In the Netherlands there is one Third party insurance mandatory for all electrically powered mobility scooters and disabled vehicles. This insurance covers damage that you cause to others with your mobility scooter. For extra security you can opt for All Risk (Full Casco), which also insures your own mobility scooter against theft, fire and personal damage.
At Finass Verzekert we compare mobility scooter insurance policies with specialized insurers. This way you will always find insurance that suits your situation and budget. After closing you will receive yours within a few days insurance sticker.
Which Coverage Suits You?
Choose the coverage that suits your situation and the value of your mobility scooter:
WA (Third Party Liability)
From €5-€6 per month- ✓ Damage to others (persons & property)
- ✓ Damage to motor vehicles of others
- ✓ Often no deductible with WA
- ✗ Theft of your own mobility scooter
- ✗ Own damage (collision)
- ✗ Fire & vandalism
Legally required minimum insurance. Suitable if your mobility scooter is of little value or provided via Wmo.
All Risk (Full Casco)
From €10-€15 per month- ✓ Everything from WA+
- ✓ Theft & joyriding
- ✓ Fire, short circuit & lightning
- ✓ Own damage due to collision
- ✓ Storm, hail & vandalism
- ✓ Hitting the water & skidding
Complete protection for valuable mobility scooters. New value guarantee for the first year with some insurers.
Which mobility scooters do we insure?
We insure all types of mobility scooters and disabled vehicles:
Open mobility scooter
3- or 4-wheeled, without roof, most common
Covered mobility scooter
With roof or cabin, weather protection
Electric Wheelchair
Motorized wheelchair, seating area
Mobility scooter bike
Tricycle with pedal assistance
💰 Premium indication for mobility scooter insurance 2025
Affordable premium for all mobility scooters:
| Coverage | Per month | Per year |
|---|---|---|
| WA (mandatory) | From €5-€6 | From €43-€72 |
| WA + Limited Casco | From €8-€10 | From €96-€120 |
| All Risk (Full Casco) | From €10-€15 | From €120-€180 |
| Accident insurance | + €1.50 | + €18/year |
| Legal Aid Traffic | + €2 | + €24/year |
* Premium depends on the value of the mobility scooter, zip code, speed category and chosen deductible. The insurance year runs from May 1 to April 30.
🚦 Traffic rules Mobility scooter
A mobility scooter is a disabled vehicle. You may drive on different roads:
No driver's license required. At least 16 years old for mobility scooters > 10 km/h. Helmet is not required. Driving skills course is recommended.
🏛️ Wmo-Scootmobiel & Insurance
You will receive your mobility scooter via Wmo (Social Support Act)? Check who is responsible for the insurance:
Tip: Always check with your municipality whether insurance has been arranged. At PGB you must take out your own mobility scooter insurance!
⚠️ Upgraded mobility scooter? Not Insured!
Sophisticated mobility scooters are not insured. Damage you cause with a souped-up mobility scooter is not covered. In fact, the insurer can recover the damages paid from you. Always drive an original, unmodified mobility scooter.
➕ Additional Coverages
Expand your mobility scooter insurance for extra security:
📋 Insurance sticker
After taking out your mobility scooter insurance you will receive a insurance sticker (formerly insurance tag). This must be visibly affixed to your mobility scooter. Every year the sticker gets a different color.
- → Sticker by post within 5 working days
- → Insurance year: May 1 to April 30
- → Automatically new sticker every year
- → Green card for abroad
📋 Own risk
Mobility scooter insurance often includes a deductible for hull damage:
- → Up to 6 km/h: Deductible often €75
- → Up to 45 km/h: Deductible often €150
- → Third party damage: Often no deductible
- → Higher deductible: Lower premium possible
Mobility scooter insurance insurers
We work together with specialized insurers:
ANWB offers free Roadside Assistance Mobility Scooter Service for members. ENRA only insures disabled vehicles for drivers with disabilities.
💡 Tips for Mobility Scooter Users
- ✓ WA mandatory: Never drive without insurance, you risk a fine
- ✓ All Risk with expensive mobility scooter: Protect your investment against theft
- ✓ Specify accessories: Specify valuable accessories for proper coverage
- ✓ Inside stables: Reduces the risk of theft and can lower premiums
- ✓ Good lock: Security can affect premiums
- ✓ Wmo insurance: Ask the municipality who is responsible
- ✓ Driving skills course: For safe participation in traffic
- ✓ Annual maintenance: Have your mobility scooter inspected annually
📊 Comparison: WA vs. All Risk
| Situation | WA | All Risk |
|---|---|---|
| Harm to others | ✓ Covered | ✓ Covered |
| Mobility scooter theft | ✗ Not covered | ✓ Covered |
| Fire & vandalism | ✗ Not covered | ✓ Covered |
| Own damage (collision) | ✗ Not covered | ✓ Covered |
| Storm & hail | ✗ Not covered | ✓ Covered |
| Premium indication | From €5/month | From €10/month |
| Suitable for | Old/Wmo mobility scooter | New/valuable mobility scooter |
