Third-party liability
- Required by law
- As long as the registration is in your name
- Suspend the registration when not in use
Insuring a covered mobility scooter
A covered mobility scooter has a cabin, windows and a considerably higher value, and that changes both the cover and the storage requirements.
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- 9.5 customer rating for a new policy
- AFM licence 12016589
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Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your situation
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
As soon as there is a cabin around it, the mobility scooter is a different product. The purchase value is clearly higher than that of an open model, and that is what really makes own-damage cover worthwhile. On an open mobility scooter the question is often whether own-damage cover pays off. On a covered model that is hardly a question.
Pay particular attention to the registration. Some covered models are still supplied as disability vehicles and then do not require registration. Other, faster versions with an enclosed body are registered as light quadricycles. The insurance obligation of Article 2 of the Dutch Motor Insurance Liability Act (WAM) then applies and a licence is required. The outward resemblance to a light quadricycle says nothing; the registration document says everything.
The third point is storage. A cabin model is longer, wider and heavier and often no longer fits in the storage room or the lift that an open model did fit into. Insurers tie theft cover to where the vehicle is actually kept; see also ordinary mobility scooter insurance.
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Covered mobility scooter: what is covered?
The structure of the cover in three parts, with an overview per situation below.
Third-party, fire and theft
Causes beyond your control.
- Fire and storm
- Theft
- Windscreen damage
Comprehensive
Including damage you cause yourself.
- Own fault
- Vandalism
- Replacement-as-new period
What is covered
| Situation | Third-party liability | Third-party, fire and theft | Comprehensive |
|---|---|---|---|
| Damage to the other party | Yes | Yes | Yes |
| Theft | No | Yes | Yes |
| Fire and storm | No | Yes | Yes |
| Damage you cause yourself | No | No | Yes |
| Wear and mechanical defects | No | No | No |
| Driving without a valid licence | No | No | No |
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
What does your premium depend on?
- Purchase price including the cabin. The cabin forms a large part of the value and therefore of the own-damage premium.
- Registration on the registration document. Whether it is a disability vehicle or a light quadricycle determines whether the WAM obligation and a licence requirement apply.
- Design speed. Faster versions are assessed more heavily than models that stay at walking pace.
- Where the vehicle is actually kept. A locked storage room, a canopy or outside against the wall produce different theft risks.
- Availability of parts. Windows and canopy parts of a particular make affect the repair time and the cost of claims.
- Chosen modules and excess. Glass cover, personal accident cover and roadside assistance come separately on top of the basic cover.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, your risk and your 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.
Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
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.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
State where the vehicle is actually kept
A covered model is too large for many storage rooms and therefore often stands under a canopy, in a communal space or against the wall of the building. That is a different risk from a locked storage room, and insurers tie their theft cover to it. If you state a locked space while the vehicle stands outside, payment after a theft may be limited or refused. The difference in premium is smaller than what a refused claim costs.
The windows, canopy and doors are the vulnerable parts
The cabin is precisely what makes the model expensive and what breaks first. A windscreen, side window or plastic canopy cracks in frost, in a low-speed collision or through vandalism, and replacing it often calls for a part from the manufacturer with a delivery time. Check whether glass damage comes under the cover or whether there is a separate module for it, and what excess applies to it.
Crosswinds and weight make tipping over a real risk
An enclosed cabin catches the wind. On a dyke, a bridge or an exposed cycle path, a covered mobility scooter can be blown off course or tip over in a crosswind. That means serious damage to the bodywork at once and often injury to the rider. Own-damage cover deals with the vehicle. For your own injury separate personal accident cover is needed, because liability cover pays only to others.
What falls outside the cover
Three items are not paid. Wear to the battery and drive train is maintenance and comes under no version. Scratches, discoloration and hairline cracks in the plastic canopy caused by the weather count as gradual effects and not as a sudden event. And if you ride a model registered as a light quadricycle without the required licence, that is an absolute exclusion and the insurer recovers the payment made to the victim from you.
Frequently asked questions
This is what people ask us most.
Does own-damage cover make sense on a covered model?
Usually it does. The purchase price is clearly higher than on an open mobility scooter and it is precisely the cabin, the windows and the canopy that are vulnerable and expensive to replace. On an open model the premium sometimes does not outweigh the value. On a covered model, a single instance of damage to the canopy quickly amounts to a large part of that value. Compare both options side by side.
Do I need a driving licence?
That depends on how the vehicle is registered. If it remains a disability vehicle, no licence is required. If it is registered as a light quadricycle, the licence requirement for that category applies, as does the insurance obligation under Article 2 of the Dutch Motor Insurance Liability Act (WAM). Look at the registration document and do not go by appearances; some models are available in both versions.
Does glass damage come under the cover?
Not always as standard. With some insurers glass damage is included in third party, fire and theft, with others it is a separate module or only glass is covered and plastic is not. That difference matters on a cabin model, because most canopies and side windows are plastic. Ask which materials are included in the cover and what excess applies to them.
What if the vehicle has to stand outside?
Simply state that. A covered mobility scooter often does not fit in a storage room or lift, and insurers take that into account. They may set requirements, for instance an approved lock, a wheel clamp or a cover. If you state locked storage while the vehicle stands outside, the insurer may limit or refuse payment after a theft.
Every situation is different. For these situations we have a separate page.
- Insuring a moped & comparing premiumsThe main page
- Insuring a covered or enclosed mobility scooterCabin, higher value, own-damage cover
- Insuring a mobility scooterLiability, theft, mobility aid
- Insuring an open mobility scooterDisability vehicle, liability, own-damage cover
- Mobility scooter insurance for a covered mobility scooterValue, winter, assistance
- Insuring a Fiat TopolinoElectric, battery, storage
- Mobility scooter insurance for an open mobility scooterLiability, users, assistance
- Insuring a quad and trikeCategory, licence, cover
- Insuring a scooterThird-party liability compulsory, theft, derestricting
Read more
Ready to compare?
Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
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 compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.