Elektrische · compared independently · advice from Finass
Insuring an electric scooter & comparing premiums
Insure your electric scooter — with the expensive battery included in the cover. Third-party liability is required by law, and with third party, fire and theft or comprehensive cover you also cover theft and damage to your own e-scooter. We compare more than 30 Dutch insurers. Independent advice from Finass Verzekert — registered with the AFM (the Dutch financial markets authority) and affiliated to Kifid (the financial services complaints institute).
The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert. nl or call 072 - 509 24 56 and we will take it from there.
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
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
You insure an electric scooter largely as you would an ordinary light scooter or moped scooter, with one important difference: the battery represents a large part of the value. It is best included in the own-damage cover. As with any scooter, third-party liability insurance is required by law.
Whether your e-scooter has a blue plate (light scooter, 25 km/h) or a yellow one (moped scooter, 45 km/h) helps determine the premium and the helmet requirement. Because of the theft risk, third party, fire and theft or comprehensive cover is often sensible. At Finass Verzekert we compare several insurers with good EV conditions.
Pay attention to including the battery and charger in the cover, the level of cover chosen, good security (an ART-approved lock), where you live (theft risk) and the registration plate (blue or yellow). We advise you independently and arrange everything for you.
What does insuring an electric scooter & the premium cover?
The structure of the cover in three parts, with an overview per situation below.
Third-party liability insurance
The legally required basic cover. Third-party liability covers damage to others, but not damage to your own e-scooter, the battery or theft.
Damage to other vehicles
Injury to third parties
Damage to buildings and objects
Damage caused by passengers
Third-party liability + fire and theft
Alongside third-party liability cover, protection against damage to your own car from external causes you cannot prevent.
Fire and storm damage
Theft and burglary
Windscreen breakage and glass damage
Collision with animals
Comprehensive insurance
The most complete cover, including where you are at fault and for damage to your own scooter, with the battery included. For an electric scooter this is the obvious choice.
Hail damage
Damage through your own fault
Vandalism
Unknown party at fault
What is covered
What we do
At Finass
Direct with Ansvar
Comparison across several insurers
Yes
No
Advice based on your own situation
Yes
Provided it is declared
One point of contact for claims
Yes
Provided it is declared
Cancellation with your current insurer arranged
Yes
No
We determine whether Ansvar is the best choice
Yes
No
Advice fees for you as a customer
No
No
What we do
What we do
At Finass
Direct with Elektrische
Comparison across several insurers
Yes
No
Advice based on your own situation
Yes
Sometimes
One point of contact for claims
Yes
Sometimes
Cancellation with your current insurer arranged
Yes
No
We determine whether Elektrische is the best choice
Yes
No
Advice fees for you as a customer
No
No
This overview concerns our service, not the cover. What is actually covered is set out in the policy conditions and on the insurer's insurance card (verzekeringskaart); you receive both before you take out cover.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Battery & charger included in the cover
Battery & charger included in the cover The battery makes up a large part of the value. Include it and the charger in the own-damage cover, at home and on the road.
Theft & third party, fire and theft
Theft & third party, fire and theft Cover for theft, fire, storm and glass damage — important because e-scooters are popular with thieves.
Scooter breakdown assistance
Scooter breakdown assistance 24/7 help with breakdowns on the road, with recovery and replacement transport where possible.
Accident cover for occupants
Accident cover for occupants A fixed payment for permanent injury or death of the driver and passenger after an accident.
What does your premium depend on?
No-claims years: the most decisive factor
Make, model and list price
Cover and excess chosen
Annual mileage
Age of the regular driver
Postcode area
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.
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.
Yes. Every electric scooter must have at least third-party liability insurance by law. That covers damage to others. Riding without insurance is a criminal offence.
Is the battery of my e-scooter included in the cover?
Under own-damage cover (third party, fire and theft, or comprehensive) the battery is included. Because the battery represents a large part of the value, this matters. We make sure the battery and charger are stated in the policy.
Which cover should I choose for my electric scooter?
Third-party liability is the minimum. Because of the value of the battery and the theft risk, third party, fire and theft or comprehensive cover is often sensible. We compare the options for you.
Is theft of my e-scooter included in the cover?
Only with third party, fire and theft, or comprehensive cover. An approved ART lock is often a condition and reduces the premium. We make sure the cover is right.
What is the difference between a light scooter and a moped scooter?
A light scooter (snorscooter) has a blue plate and does 25 km/h. A moped scooter (bromscooter) has a yellow plate and does 45 km/h. The plate helps determine the premium and the helmet requirement. We insure both.
How is my e-scooter premium determined?
Mainly by the value of the battery and the make, where you live, the registration plate, the security, your age and your no-claims years. By comparing, you find the keenest premium.
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.
