Third-party liability
- Compulsory from registration onwards
- Insurance sticker on the vehicle
- Injury to third parties
Special moped category · registration required · third-party liability compulsory
Insuring an e-scooter
Most e-scooters sold in shops may not be used on the public road. That is not a detail: without RDW approval the vehicle cannot be insured either, and after an accident you carry the loss yourself.
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- Personal 072 - 509 24 56, weekdays 9–17
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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 your own premium with the calculator.
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.
In brief
In the Netherlands an e-scooter falls within the category of special moped. Only vehicles approved by the RDW (the Dutch vehicle authority) may use the road, plus e-scooters with pedal assistance and no throttle. Most models on sale are not approved.
Since 1 July 2025 approved e-scooters need a registration. For models approved earlier there was a transitional period until 1 July 2026; anyone applying for the registration after that must still have the vehicle tested.
With that registration comes compulsory Third-party liability insurance , with an insurance sticker on the vehicle. The other rules are: a minimum age of sixteen, a maximum of 25 km/h and riding on the cycle path.
E-scooter: what is covered?
The structure of the cover in three parts, with an overview per situation below.
Theft and own damage
Damage to and theft of the vehicle itself.
- Theft with an approved lock
- Damage from falls and knocks
- Battery included in the cover
Approval
Only an approved vehicle can be insured.
- RDW approval
- Registration number
- Minimum age 16
What is covered
| Vehicle | Registration number | Third-party liability compulsory | Permitted |
|---|---|---|---|
| RDW-approved e-scooter with a registration | Yes | Yes | Yes |
| E-scooter with pedal assistance and no throttle | No | No | Yes |
| Unapproved e-scooter bought in a shop | No | No | No |
| Approved e-scooter with no registration applied for | No | No | No |
| E-scooter with a foreign registration | No | No | No |
| Hoverboard or monowheel | 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.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
An unapproved e-scooter is not tolerated
You sometimes hear that the rules are not enforced, but the e-scooter can be seized and you risk a fine. More serious is what happens after an accident: you are uninsured, and if you injure someone else, that loss falls entirely on you.
Only what is permitted can be insured
There is no insurance product for a vehicle that is not permitted. An e-scooter is sometimes included under personal liability insurance (AVP), but often it is not, and the differences between policies are large. Do not assume it; check it expressly in your conditions.
Check the model before you buy
Shops and web shops rarely state that a model may not be used on the road. The current list of approved special mopeds is held by the RDW. Ask the seller for the approval and the type approval number, and have it put on the invoice.
Victims and the Waarborgfonds
If you are hit as a pedestrian or cyclist by an uninsured e-scooter and the person responsible cannot be traced, you can turn to the Waarborgfonds Motorverkeer for injury losses. The reverse also applies: if you are the person responsible, the fund recovers that payment from you.
What does your premium depend on?
- List price
- Type of cover — third-party liability, or third-party liability plus theft
- Age of the driver
- Postcode area — theft statistics
- Security and storage
- Excess
Insurers weigh these details differently. That is why comparing pays off.
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.
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.
Frequently asked questions
The questions we are asked most often about this.
May I use my e-scooter on the road?
Only if the model has been approved by the RDW and has a registration, or if it is an e-scooter with pedal assistance and no throttle. Most models in the shops do not meet that requirement.
Since when has registration been required?
Since 1 July 2025 for newly permitted e-scooters. For models approved earlier there was a transitional period until 1 July 2026; after that, fresh testing is needed.
Is third-party liability insurance compulsory?
Yes, as soon as the vehicle has a registration. You stick the insurance sticker on the e-scooter.
Can I insure an unapproved e-scooter?
No. There is no insurance product for a vehicle that is not permitted; nor should you assume that your liability insurance covers it.
From what age may I ride one?
From the age of sixteen. The maximum speed is 25 km/h and you ride on the cycle path.
What do I risk with an unapproved e-scooter?
Seizure and a fine. After an accident you are uninsured and the other party's loss falls entirely on you.
Read more
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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 written and checked by an adviser at Finass Verzekert. Last updated on .
The information on this page is general in nature and is not personal advice.