Third-party liability insurance
- Damage to other vehicles
- Injury to third parties
- Damage to buildings and objects
- Damage caused by passengers
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).
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
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
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.
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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 + 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.
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.
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.
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.
Frequently asked questions
This is what people ask us most.
Is electric scooter insurance compulsory?
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.
Every situation is different. For these situations we have a separate page.
Read more
Within Bromfietsverzekering
Similar pages
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.