As long as the registration is in your name and the vehicle could go on the road, the insurance obligation under Article 2 of the Dutch Motor Insurance Liability Act (WAM) applies. Unlike a car, a moped or light moped registration cannot be suspended. To end the obligation, the vehicle has to be transferred, exported or scrapped. For a vehicle that genuinely does not run, limited fire and theft cover is sometimes open to discussion.

With market value the insurer determines after the loss what the vehicle was worth at that moment, with a deduction for age and condition. With an agreed value the amount is stated on the policy in advance, supported by a report, and that value is the starting point for as long as the valuation is valid. For a restored vehicle that difference is decisive.

An original machine is insurable; a vehicle with an altered construction or increased power output often is not. Tuning also makes the vehicle a different category from the one for which it was approved, so the own-damage cover falls away. Report changes that depart from the original condition in advance, with photographs.

That is possible at several companies, with its own value and form of cover for each vehicle. The advantage is one renewal date and one set of clauses; the drawback is that a strict storage requirement then applies to every vehicle. With a mixed collection of mopeds and larger classics it is worth setting this alongside classic car insurance for comparison.