Is een vonkenvanger verplicht bij een houtkachel en rieten dak?

Ja, bij een houtkachel, open haard, pelletkachel of allesbrander in combinatie met een rieten dak is een vonkenvanger verplicht. Zonder vonkenvanger keert de verzekeraar bij brandschade aan het dak niet uit. De vonkenvanger moet van RVS of koper zijn, met een maaswijdte van 9,5-12,5 mm.

Hoe vaak moet ik de schoorsteen laten vegen voor de verzekering?

Verzekeraars eisen dat u de schoorsteen minimaal 1x per jaar laat vegen door een erkend schoorsteenveegbedrijf. Bewaar het veegbewijs bij uw verzekeringspapieren. Bij intensief stoken wordt 2x per jaar aangeraden. Ook de vonkenvanger moet jaarlijks worden gereinigd.

Is schoorsteenbrand gedekt door de opstalverzekering?

Ja, schoorsteenbrand is gedekt bij de meeste opstalverzekeringen, mits u aan de onderhoudseisen voldoet. De schoorsteen moet jaarlijks zijn geveegd door een erkend bedrijf en er mag geen sprake zijn van achterstallig onderhoud. Bewaar altijd het veegbewijs als bewijs.

Moet ik mijn verzekeraar informeren als ik een houtkachel plaats?

Ja, geef binnen 2 maanden door aan uw verzekeraar dat u een houtkachel heeft geplaatst, vooral bij een rieten dak of woonboerderij. Het plaatsen van een kachel kan invloed hebben op uw premie en de verzekeringsvoorwaarden.

Kan ik een traditioneel rieten dak verzekeren?

Ja, een traditioneel rieten dak (open constructie) is verzekerbaar bij gespecialiseerde verzekeraars. De premie is hoger dan bij een schroefdak vanwege het grotere brandgevaar. Wel gelden er vaak extra eisen zoals een vonkenvanger, jaarlijks schoorsteen vegen en brandwerende beplating.

Wat kost een verzekering voor een traditioneel rieten dak?

Een opstalverzekering voor een traditioneel rieten dak kan tot 2,5 keer duurder zijn dan voor een pannendak. Reken op €800-€3.500 per jaar, afhankelijk van de herbouwwaarde, genomen preventiemaatregelen en de staat van het dak. Brandwerende beplating en sprinklers kunnen korting opleveren.

Is een vonkenvanger verplicht bij een traditioneel rieten dak?

Ja, bij een open haard, houtkachel of pelletkachel is een vonkenvanger verplicht. Deze moet van koperdraad of RVS zijn, met een maaswijdte van 9,5-12,5 mm en een oppervlakte van minimaal 3x de doorlaat van de schoorsteen. Daarnaast moet de schoorsteen minimaal 1x per jaar worden geveegd.

Wat is het verschil tussen een traditioneel rieten dak en een schroefdak?

Bij een traditioneel rieten dak is het riet met binddraad vastgebonden aan latten en van binnen zichtbaar (open constructie). Bij een schroefdak wordt het riet op dichte platen geschroefd (gesloten constructie). Het schroefdak is brandveiliger omdat er geen zuurstof bij het vuur kan komen.

Is een scootmobielverzekering verplicht?

Ja, een WA-verzekering (Wettelijke Aansprakelijkheid) is verplicht voor alle elektrisch aangedreven scootmobielen en invalidenvoertuigen in Nederland. Zonder verzekering mag u niet de weg op en riskeert u een boete. Na afsluiten ontvangt u een verzekeringssticker die zichtbaar op de scootmobiel moet zitten.

Wat kost een scootmobielverzekering per maand?

Een WA-verzekering kost vanaf €5-€6 per maand (circa €43-€72 per jaar). All Risk (Volledig Casco) kost vanaf €10-€15 per maand, afhankelijk van de waarde van de scootmobiel. De premie hangt af van dekking, waarde, postcode en snelheidscategorie.

Heb ik een rijbewijs nodig voor een scootmobiel?

Nee, voor een scootmobiel heeft u geen rijbewijs nodig. Wel geldt een minimumleeftijd van 16 jaar voor scootmobielen die harder dan 10 km/u kunnen. Een helm is niet verplicht. Het is aan te raden om een rijvaardigheidscursus te volgen voor veilige deelname aan het verkeer.

Is mijn Wmo-scootmobiel van de gemeente ook verzekerd?

Dat verschilt per gemeente. Sommige gemeenten regelen de WA-verzekering voor bruikleen-scootmobielen. Bij een PGB (Persoonsgebonden Budget) bent u zelf verantwoordelijk voor de verzekering. Vraag altijd bij uw gemeente na wie verantwoordelijk is voor de verzekering van uw Wmo-scootmobiel.

Wat kost een open scootmobiel verzekering?

Een WA-verzekering voor een open scootmobiel kost vanaf €5-€7 per maand. All Risk (Volledig Casco) kost vanaf €15-€17 per maand. De premie is voordeliger dan bij overdekte scootmobielen vanwege de lagere waarde. Geen schadevrije jaren, dus geen premiestijging na schade.

Is mijn opvouwbare scootmobiel ook verzekerd?

Ja, ook opvouwbare scootmobielen moeten WA-verzekerd zijn. Ze zijn gewoon te verzekeren als open scootmobiel. Let op: accessoires zijn alleen meeverzekerd als u ze expliciet opgeeft bij het afsluiten. De verzekering dekt ook gebruik in het buitenland (groene kaart).

Wat is een overdekte scootmobiel?

Een overdekte scootmobiel is een scootmobiel met dak en cabine, ook wel gesloten scootmobiel genoemd. Bekende voorbeelden zijn de Canta, Move E4, Move E3 en TTZ Electric. Ze bieden bescherming tegen weer en wind, rijden tot 45 km/u en zijn rijbewijsvrij voor mensen met een mobiliteitsbeperking.

Wat kost een overdekte scootmobiel verzekering?

Een WA-verzekering voor een overdekte scootmobiel kost vanaf €10-€15 per maand. All Risk (Volledig Casco) kost vanaf €40-€80 per maand, afhankelijk van de waarde (€8.000-€20.000). De premie is hoger dan bij open scootmobielen vanwege de hogere waarde en snelheid.

Kan iedereen een overdekte scootmobiel verzekeren?

Veel verzekeraars accepteren alleen bestuurders met een aantoonbare mobiliteitsbeperking. Zonder beperking zijn er minder mogelijkheden en ligt de premie vaak hoger. Voor jongeren onder 24 jaar zonder beperking gelden soms extra beperkingen of hogere eigen risico's.

Wat is het verschil tussen Canta en brommobiel verzekering?

Een Canta is een gehandicaptenvoertuig (scootmobiel), een Biro is een brommobiel. Canta: rijbewijsvrij, mag op stoep/fietspad, geen wegenbelasting, verzekering voor bestuurders met beperking. Brommobiel: rijbewijs AM nodig, alleen op rijbaan, wel kenteken en wegenbelasting.

Wood Stove Thatched Roof Insurance 2025 | Spark Arrestor & Chimney Requirements | Finass Insures

🔥 Wood stove • Fireplace • Pellet stove • All-purpose burner

Wood stove & Thatched Roof Insurance

Enjoy your wood-burning stove or fireplace safely in your thatched home. With the right measures, spark arrester and AllRisk coverage you are well protected.

✓Spark arrester required

✓Sweep the chimney annually

✓Chimney fire covered

✓AllRisk coverage

Calculate Your Premium → View Requirements

🔥

Wood Burning Stove & Thatched RoofInsurance requirements & tips

⚠️ Spark arrester MANDATORY for solid fuels
🧹 Sweep the chimney at least once a year
📄 Keep swipe receipts with insurance papers
🔥 Chimney fire covered provided maintenance is OK
🪵 Only burn dry, unprocessed wood
📞 Install a stove? Report within 2 months
✓ AllRisk coverage with specialist

Request a quote →

🔥

Spark arresterMandatory for stove/fireplace

🧹

Annual sweepingRecognized company

📄

Swipe evidenceKeep as evidence

🛡️

AllRisk coverageFire fully covered

Atmosphere & Warmth

Wood Stove & Thatched Roof: A Perfect Combination?

A wood stove or fireplace fits perfectly with the classic, rustic appearance of a thatched house. The crackle of the fire, the pleasant warmth – it is the epitome of coziness. But this combination also brings additional fire risks with it.

With the smoke and heat of a wood stove sparks are sucked up through the chimney. With a thatched roof this can lead to smoldering and fire. That's why insurers say strict requirements of homes with this combination.

Fortunately, with the right measures – a Spark arrester, regularly chimney sweeping and correct heating behavior – enjoy your wood stove safely and be well insured.

⚠️

Important: Spark arrestor Mandatory!

A spark arrester is required for a wood stove, fireplace, pellet stove or all-burner in combination with a thatched roof. obliged. Without a spark arrester, the insurer will pay for fire damage to the roof not out.

🔥 Spark Arrestor Mandatory • Annual Sweeping • Keep Sweeping Certificate • AllRisk Coverage

Stove types

Which Stoves & Fireplaces Are Included?

The insurance requirements apply to all heating appliances solid fuels burning (wood, pellets, coal, briquettes):

🔥

Wood stove

Freestanding or built-in stove for logs. Very popular in thatched houses.

🏠

Open hearth

Classic open fire pit. Low efficiency (10-15%), lots of smoke and sparks.

🌡️

Pellet stove

Automatically fired with wood pellets. Cleaner, but also a spark arrester needed.

♨️

All-burner

Suitable for various fuels: wood, coal, briquettes. Extra demanding.

💡 Gas Fireplace: No Spark Arrestor Required

At one gas fireplace A spark arrestor is not required because no solid fuels are burned and therefore no sparks are created. It is an annual one inspection of the gas installation obliged.

📋 Insurance requirements for wood stove & thatched roof

🔥

Spark arrester (MANDATORY)

Stainless steel or copper, mesh size 9.5-12.5mm, 3x flue surface. Mandatory for solid fuels.

🧹

Chimney Sweeping (MANDATORY)

At least once a year by a recognized company. With intensive heating, twice a year. Save swipe receipt!

📄

Save swipe certificate (MANDATORY)

Official chimney sweep certificate. Evidence for insurance that maintenance has been carried out.

🔍

Flue Inspection (5 years)

Camera inspection every 5 years to identify cracks, blockages or wear.

🏗️

Certified Installer

Have the stove and flue installed by a recognized company. Prevents risks.

🧯

Fire extinguisher 6 kg

Approved powder or foam extinguisher. NEVER water in a chimney fire!

🚨

Smoke and CO detector

On every floor + near the stove. Early detection of smoke or carbon monoxide.

📞

Install a stove Report

Report this to the insurer within 2 months. May affect premium.

🔥 Spark Arrestor Requirements

The spark arrester is a mesh basket on top of the chimney that catches sparks before they end up on the thatched roof. To demand:

✓ Material: Stainless steel (SS) or copper wire
✓ Wire thickness: Minimum 1 mm diameter
✓ Mesh size: Between 9.5 and 12.5 mm
✓ Surface: At least 3x the passage of the flue
🧹 Maintenance: Clean annually together with chimney sweeping
⚠️ Quality: A bad spark arrester can actually increase the risk!

🧹 Chimney Sweeping: Why So Important?

Average in the Netherlands 6 chimney fires per day space – even more so during the heating season. The cause: accumulation of creosote, a flammable tar-like layer that forms during incomplete combustion.

🔥 Creosote accumulation: Flammable deposits due to damp wood, too little air or smothering
📅 Frequency: At least once a year, with intensive heating twice a year
👷 Approved company: ASPB member or certified chimney sweep
📄 Swipe proof: Official certificate, keep with insurance papers
💰 Costs: From €39.50 per flue (2025)
🏠 Thatched roof: Sweep from above + spark arrester control

🪵 The Swiss Method: Safe & Clean Firing

The fire brigade recommends this method for cleaner combustion with less smoke and creosote:

Air supply Open

Open the air valve fully for good oxygen

Thick Blocks Below

Place large logs parallel on the bottom

Cross Stacking

Place smaller blocks crosswise on top

Light From Above

Light on top with a fire starter

✓ White/transparent smoke = clean combustion | ✗ Black/gray smoke = incomplete combustion

🪵 Storing Tips for Safe Use

✓ Dry wood: Dried for at least 2-3 years, less than 20% moisture (measure with moisture meter)
✓ Unprocessed wood: No painted, varnished or impregnated wood
✓ Zero waste: Never burn paper, cardboard or household waste
✓ Do not smother: Do not pinch off the air for slow burning
✓ Allow to burn out: Do not smolder, close air supply
✓ Cleaning up ash: Carefully in a metal container, never in a plastic bag
✗ Dry periods: DO NOT heat during prolonged drought

🚨 Chimney fire: Prevention & Action

🔥

Recognize

Flashing flames from chimney, roaring/noise, extremely hot flue, shower of sparks

💧

NEVER Water!

Water causes explosive steam reaction. Use sand, table salt or powder extinguisher

🚪

Air Shut Off

Immediately close the air supply and chimney damper to smother the fire

📞

Call 112

Always notify the fire brigade. After fire: burning ban until inspection and repair

🛡️ What does Home Insurance cover?

With a wood stove and thatched roof, the correct coverage is essential:

✓ Fire damage home: Fully covered with AllRisk coverage
✓ Chimney fire: Covered if swept and maintained annually
✓ Soot and smoke damage: Co-insured with most insurers
✓ Extinguishing costs: Costs of fire brigade and extinguishing work
✓ Clean-up costs: Clean up and dispose of after fire
⚠️ Condition: Spark arrester aanwezig + veegbewijs bewaard

⚠️ When Does the Insurer NOT Pay Out?

✗ No spark arrester: With solid fuels and a thatched roof: no payment in the event of a roof fire
✗ Chimney not swept: Without a swipe certificate, claim may be rejected
✗ Overdue maintenance: Wear, cracks or blockages not reported
✗ Heater not reported: Placement not communicated within 2 months
✗ Improper installation: Not installed by a recognized company
✗ Intentional/recklessness: Gross negligence or intentional arson

💰 Premium indication Thatched Roof with Wood Stove

Roof construction	Indication Per Year
Screw roof (closed) + wood stove	€600 - €1,200
Traditional (open) + wood stove	€1,000 - €2,500
Traditional + wood stove + little prevention	€2,000 - €3,500

* Depending on reconstruction value, roof construction, prevention measures. Spark arrestor, annual sweeping and fire-resistant plating can provide discounts.

💡 Checklist: Wood Stove & Thatched Roof Insured

✓ Spark arrestor installed: Stainless steel/copper, correct mesh size, annual cleaning
✓ Sweep the chimney annually: By a recognized company, keep proof of sweep
✓ Inspect flue: Camera inspection every 5 years
✓ Stove reported: Within 2 months after placement to insurer
✓ Using dry wood: Dried for at least 2 years, max 20% moisture
✓ Swiss method: Light from above, do not smother
✓ Smoke detector + CO detector: On every floor + near stove
✓ Save swipe evidence: With insurance papers as proof

Insurers for Wood Stove & Thatched Roof

These insurers accept the combination of wood stove and thatched roof:

⭐ Reed policy ⭐ younivé ⭐ Interpolis AnWB FBTO Central Management

FAQ

Frequently Asked Questions

Insure everything about the wood stove, fireplace and thatched roof.

Yes, a spark arrestor is mandatory for a wood-burning stove, fireplace, pellet stove or all-burner in combination with a thatched roof. This must be made of stainless steel or copper, with a mesh size of 9.5-12.5 mm and a surface area of at least 3x the passage of the flue. Without a spark arrester, the insurer will not pay out for fire damage to the roof.

Insurers require that you have the chimney swept at least once a year by a recognized chimney sweeping company. For intensive heating (as main heating), twice a year is recommended. Always keep the swipe certificate with your insurance papers. The spark arrestor must also be cleaned annually. Sweeping from above is recommended for thatched roofs.

Yes, chimney fires are covered by most home insurance policies, provided you meet the maintenance requirements. The chimney must be swept annually by a recognized company and there must be no overdue maintenance. Always keep the swipe certificate as proof. Soot and smoke damage is often also insured.

Yes, inform your insurer within 2 months that you have installed a wood-burning stove, especially on a thatched roof or farmhouse. Installing a heater can affect your premium and insurance conditions. You must also report the replacement of the roof type (for example from tiles to thatch).

The Swiss method (top-down firing) is recommended by the fire brigade for cleaner combustion with less smoke and creosote. You place thick logs at the bottom, stack smaller logs crosswise on top and light from above with a fire starter. The air supply must be fully open. White or clear smoke means clean combustion.

Recognizable points of a chimney fire: flashing flames or shower of sparks from the chimney, loud roaring or noise in the flue, extremely hot flue (discoloration), thick smoke in the house. NEVER extinguish with water (danger of explosion!), use sand or table salt, turn off the air supply and call 112 immediately.

Only burn dry, untreated and unpainted wood that has dried for at least 2-3 years (less than 20% moisture). Do not use painted, impregnated or varnished wood, waste, paper or cardboard. Damp wood causes a lot of smoke and creosote formation, which can cause a chimney fire. Measure the moisture content with a simple moisture meter.

A gas fireplace is less risky than a wood stove because no solid fuels are burned and therefore no sparks are created. A spark arrestor is not mandatory for a gas fireplace. However, an annual inspection of the gas installation is mandatory. The premium surcharge for a gas fireplace with a thatched roof is therefore usually lower.

Without a sweeping certificate, the insurer may decide not to reimburse or only partially reimburse damage caused by a chimney fire. The policy conditions state that you as the owner are obliged to properly maintain the home to prevent damage. The swipe certificate is your proof that you have fulfilled this obligation. Therefore, always store it carefully.

Creosote is caused by incomplete combustion. Prevent this by: only burning dry wood (max 20% moisture), providing sufficient air supply (do not smother), using the Swiss method, burning the stove vigorously instead of tempering it, and having the chimney swept annually. Pay attention to the smoke color: black or gray smoke indicates problems.

Yes, the spark arrester obligation also applies to thatched outbuildings with a fireplace or stove, such as guest houses, pool houses, outdoor kitchens and garden houses. The fire risks are no different than in the home. A spark arrester is also mandatory for outbuildings with artificial thatch and a wood-burning stove.

Have the flue inspected with a camera inspection at least every 5 years. Cracks, blockages, wear or other defects are detected at an early stage. Stainless steel flues can rust within a few years if heated carelessly. After a chimney fire, the flue must always be inspected before you can burn again.

Want to Enjoy Your Wood Stove Safely?

Request a quote without obligation for your thatched house with stove or fireplace.

Request a quote → Call: 072 - 509 24 56

Read more …houtkachel rieten dak Insure

Traditioneel Rieten Dak Verzekeren 2025 | Open Constructie Opstalverzekering | Finass Insures

🏡 Open Construction • Bonded Reed • Traditional

Traditional Thatched roof Insure

Your authentic thatched house with open construction deserves specialist protection. With AllRisk coverage, fire prevention advice and reconstruction value guarantee.

✓Open construction insurable

✓AllRisk coverage as standard

✓Reconstruction value guarantee

✓Fire prevention advice

Calculate Your Premium → View Requirements

🏡

Traditional Thatched RoofOpen construction specialist

✓ Reed tied on slats (visible from the inside)
✓ AllRisk coverage included as standard
✓ Brand, storm, WAter, inbraak gedekt
✓ Reconstruction value guarantee possible
✓ Spark arrester & chimney requirements
✓ Fire-resistant plating = discount
✓ Recommended by Trade Federation

Request a quote →

🔥

Fire specialistOpen construction expert

🏆

AllRisk coverageMost complete protection

🏠

Reconstruction valueGuarantee against underinsurance

📋

Trade FederationRecommended thatchers

Authentic & Valuable

Wat Is Een Traditional Thatched Roof?

A Traditional Thatched Roof is the classic method of thatching, as it has been done for centuries. The reed is tied to a framework of slats with binding wire and tension wires. We also call this the open construction: the reed is visible from the inside.

This authentic construction gives your home a unique, rustic look and fits perfectly with farms, farmhouses and historic buildings. The reed can ventilate well, which benefits its lifespan.

It's the downside increased fire hazard. In the event of a fire, the fire can spread quickly because oxygen flows through the open construction. That's why insurers say additional requirements to fire safety and the premium is higher than for a screw or tiled roof.

⚠️

Important: Increased Fire Hazard

A traditional thatched roof has a higher fire risk than a screw roof. Not all insurers accept this construction. You can contact Finass Verzekert for specialized advice and a suitable solution.

🏡 Open Construction • Bound Reed • Classic Craftsmanship • Authentic

Roof constructions

Traditional vs. Screw roof

🏚️

Traditional Thatched Roof (Open)

The reeds are tied to slats with binding wire. Van binnen is het riet zichtbaar. De klassieke, authentieke methode.

⚠️ Higher fire hazard by oxygen supply
💰 Higher premium (up to 2.5x tiled roof)
📋 additional requirements spark arrester, plating
✓ Authentic appearance
✓ Good ventilation reeds

🏠

Screw roof (Closed)

The reed is screwed onto closed plates. The reed is not visible from the inside. More modern, more fire-safe method.

✓ Lower fire hazard no oxygen supply
✓ Lower premium (similar tiled roof)
✓ Less demands
✓ moderne isolatie mogelijk
→ Less authentic

🛡️ AllRisk coverage as standard

With specialized reed insurers you receive standard AllRisk coverage, the most extensive protection:

🔥 Fire damage: Complete gedekt, inclusief bluskosten en opruiming
🌪️ Stormschade: Wind and precipitation, also on the thatched roof
💧 Water damage: Lekkage, wateroverlast, leidingbreyouk
🔓 Inbraak: Theft and vandalism
⚡ Blikseminslag: Direct impact and span
📡 Established matters: Antennes, zonnepanelen, laadpaal, schyoutting

📋 Insurer requirements for Traditional Thatched Roof

🔥

Spark arrester (MANDATORY)

Koper/RVS gaas, maaswijdte 9.5-12,5mm, 3x oppervlakte rookkanaal

🧹

Chimney Sweeping (MANDATORY)

At least once a year by a recognized company. Save sweeping certificate.

🧱

Fire-resistant plating

Gipsplaten onder daksporen = premiekorting. Vaak Highly recommended.

🧯

Brandblyousser 6kg

Approved fire extinguisher of at least 6 kilos available in the house.

🚨

Smoke detectors

Op elke verdieping + in de nok van het rieten dak. Sinds 2022 obliged.

⚡

Lightning rod

Verkleint risico op brand door blikseminslag aanzienlijk.

💧

Sprinklerinstallatie

In reed frosts, reed moistens upon smoke detection. Provides premium discount.

🧱

Stone House

Woning zelf moet van stA zijn. Houten woningen vaak niet verzekerbaar.

🔥 Fire Prevention Tips

Verklein het brandrisico van uw Traditional Thatched Roof:

🪵 Dry wood: Only burn dry, untreated and unpainted wood
🌡️ Dry periods: Gebruik Wood stove NIET bij langdurige droogte
🍖 BBQ & vyouyourkorf: Far from the roof, away from wind, sparks can blow
🍂 Remove leaves: Hoyoud het dak vrij van dode bladeren en takken
🔌 elektrische installatie: Have it checked regularly for wear
👀 Environment: Let op brandgevaarlijke activiteiten bij byouren

🔥 Spark Arrestor Requirements

Bij een open haard, houtkachel of pelletkachel is een Spark arrester required. Deze voorkomt dat vonken op uw rieten dak terechtkomen.

✓ Material: Koperdraad of roestvrij staal (RVS)
✓ Wire thickness: Minimum 1 mm diameter
✓ Mesh size: Between 9.5 and 12.5 mm
✓ Surface: Minimaal 3x de doorlaat van de schoorstA
🧹 Maintenance: Annual cleaning together with chimney sweeping
📄 Certificate: Veegbewijs met aantekening Spark arrester bewaren

💰 Premium indication Traditional Thatched Roof

Reconstruction value	Indication Per Year
€300.000 - €400.000	€800 - €1,400
€400.000 - €600.000	€1,200 - €2,000
€600.000 - €800.000	€1,800 - €2,800
€800.000+	€2,500 - €3,500+

* Indicatief. Tot 2,5x hoger dan pannendak. Korting mogelijk bij Fire-resistant plating, sprinkler, schroefdak-gedeelte.

🏠 Determine reconstruction value

De Reconstruction value is het bedrag dat nodig is om uw woning in dezelfde staat terug te bouwen, inclusief rieten dak:

📐 Reconstruction valuemeter: Association of Insurers, suitable for up to 800 m³
🏠 Larger homes: Taxatie door bouwkundige Recommended
📈 Indexatie: Annual adjustment to construction costs included
⚠️ Underinsurance: Vermijd! Bij schade onvoldoende youitkering
✓ Warranty: Reconstruction value guarantee beschermt tegen onderverzekering

⚠️ Not Covered / Exclusions

✗ Hoyouten woning: Stone house often required, wooden house not insurable
✗ Verhyouyour aan toeristen: Holiday rentals often not covered (long-term rentals are covered)
✗ No spark arrester: Insurer will not cover damage due to lack of spark arrestor
✗ Chimney not swept: Keep sweeping certificate as proof
✗ Slijtage: Normal wear and maintenance of the reed
✗ Intentional/recklessness: Damage due to intent or gross negligence

💡 Tips Voor Eigenaren Traditional Thatched Roof

✓ Sweep the chimney annually: Door Recognized company, bewaar certificaat
✓ Check spark arrester: Jaarlijks schoonmaken en onderhoyouden
✓ Fire-resistant plating: Gipsplaten onder daksporen = Lower premium
✓ Smoke detectors in ridge: Vroege detectie bij dakbrand
✓ Consider sprinkler: moderne systemen in rietvorsten
✓ Enable thatcher: Regelmatige controle en onderhoyoud

Specialized Reed Insurers

Deze verzekeraars accepteren traditionele Thatched roofen:

⭐ Reed policy ⭐ Zinex ⭐ Klijn/Zijlmans younivé Interpolis FBTO (schroefdak)

FAQ

Frequently Asked Questions

Everything about insuring your traditional thatched roof.

Yes, a traditional thatched roof (open construction) is insurable with specialized insurers such as Rietpolis, Zinex and Klijn/Zijlmans. The premium is higher than for a screw roof due to the greater fire risk. However, there are additional requirements: a spark arrestor is mandatory, the chimney must be swept annually, and fire-resistant plating under the roof rails is often desirable.

Building insurance for a traditional thatched roof can be up to 2.5 times more expensive than for a tiled roof. Count on €800-€3,500 per year, depending on the rebuilding value, preventive measures taken and the condition of the roof. Fire-resistant plating, a sprinkler system and a well-maintained spark arrester can provide a discount.

Yes, a spark arrester is mandatory for a fireplace, wood stove or pellet stove. This must be made of copper wire or stainless steel, with a wire thickness of at least 1 mm, a mesh size of 9.5-12.5 mm and a mesh surface of at least 3x the passage of the chimney. Have the spark arrestor cleaned annually, along with sweeping the chimney.

With a traditional thatched roof, the thatch is tied to slats with binding wire and is visible from the inside (open construction). With a screw roof, the thatch is screwed onto closed plates and is not visible from the inside (closed construction). The screw roof is more fire-safe because oxygen cannot reach the fire in the event of a fire. The premium for a screw roof is therefore often comparable to a tiled roof.

The chimney must be swept at least once a year by a recognized chimney sweeping company. When burning intensively with solid fuels, twice a year is recommended. Keep the sweep certificate with your insurance papers: this serves as proof in the event of any damage. Also have the flue inspected with a camera every 5 years.

A rebuilding value guarantee protects you against underinsurance. The insurer guarantees that in the event of a total loss, the full reconstruction costs will be reimbursed, even if they exceed the insured amount. This is especially important for homes with a traditional thatched roof, where rebuilding costs can be high. Choose insurance with annual indexation.

Yes, various measures can result in a premium discount: fire-resistant plating (gypsum boards) under the roof rails, a sprinkler system in the reed ridges, treatment of the reeds with fire retardant, an approved lightning conductor, and a well-maintained spark arrestor with an annual sweeping certificate. Ask your insurer about specific discount options.

If you have a fireplace or wood-burning stove without a mandatory spark arrestor, the insurer may refuse to pay out in the event of fire damage. This also applies if the spark arrestor does not meet the requirements or has not been maintained. Therefore, always make sure you have an approved spark arrestor and have it checked annually. Keep the certificate as proof.

Long-term rental to a private household is often covered. Holiday rentals to tourists are usually not insured - for this you need separate B&B insurance or holiday home insurance. Home exchange for holiday purposes is often covered for up to 6 weeks per year. Check the terms of your policy.

Yes, most insurers require the house itself to be made of stone in order to insure a traditional thatched roof. A wooden house with a thatched roof poses too great a fire risk and is not accepted by many insurers. This is tailor-made: please contact us for the options in your specific situation.

Yes, most specialized thatch insurers cover hail damage to the thatched roof under the storm damage/rainfall cover. Please note: a separate deductible may apply for storm damage (often €375). Check the policy conditions for exact coverage and any deductibles.

Important fire prevention measures: have the chimney swept annually, install a good spark arrestor, only burn dry and unprocessed wood, do not use the wood stove during prolonged drought, keep the BBQ and fire basket far from the roof, remove leaves and branches from the roof, install smoke detectors in the ridge, and consider a sprinkler system. Also have the electrical installation checked regularly.

Uw Traditional Thatched Roof Goed Verzekerd?

Request a quote without obligation for your thatched home.

Request a quote → Call: 072 - 509 24 56

Mobility scooter insurance 2025 | WA & All Risk | Finass Insures

♿ mobiliteit & Zelfstandigheid • Veilig Onderweg

mobility scooter Insure

Enjoy your freedom and independence without any worries with the right mobility scooter insurance. WA required, All Risk for extra security. Insurance sticker within a few days.

✓WA verplicht From €5/month

✓All Risk against theft

✓Roadside assistance beschikbaar

✓Instant insurance sticker

Calculate Your Premium 072 - 509 24 56

🛵

mobility scooter insurance

Veilig & Zelfstandig Onderweg

✓ WA legally required
✓ All Risk against theft & schade
✓ No deductible with WA
✓ Roadside assistance & ongevallen dekking
✓ Open and covered models
✓ insurance sticker per post

Request a quote →

🛡️

WA requiredLegally required

💰

From €5/monthAffordable premium

📋

StickerBinnen 5 werkdagen

🔧

Roadside assistanceAvailable 24/7

mobiliteit & Vrijheid

Your mobility scooter is well insured

A mobility scooter biedt u vrijheid en onafhankelijkheid. Of u nu boodschappen doet, vrienden bezoekt of geniet van een ritje door het park – met een mobility scooter blijft u mobiel. Een goede mobility scooter insurance zorgt dat you zorgeloos de weg op kyount.

In the Netherlands there is one Third party insurance mandatory for all electrically powered mobility scooters and disabled vehicles. This insurance covers damage that you cause to others with your mobility scooter. For extra security you can opt for All Risk (Full Casco), which also insures your own mobility scooter against theft, fire and personal damage.

Bij Finass Verzekert vergelijken we mobility scooter insuranceen bij gespecialiseerde verzekeraars. Zo vindt u altijd een verzekering die past bij uw situatie en budget. Na afsluiten ontvangt u binnen enkele dagen uw insurance sticker.

Coverages

Which Coverage Suits You?

Kies de dekking die past bij uw situatie en de waarde van uw mobility scooter:

obliged

🛡️

WA (Third Party Liability)

From €5-€6 per month

✓ Damage to others (persons & property)
✓ Damage to motor vehicles of others
✓ Often no deductible with WA
✗ Theft of your own mobility scooter
✗ Own damage (collision)
✗ Fire & vandalism

Legally required minimum insurance. Suitable if your mobility scooter is of little value or provided via Wmo.

Recommended

✨

All Risk (Full Casco)

From €10-€15 per month

✓ Everything from WA+
✓ Theft & joyriding
✓ Fire, short circuit & lightning
✓ Own damage due to collision
✓ Storm, hail & vandalism
✓ Hitting the water & skidding

Complete protection for valuable mobility scooters. New value guarantee for the first year with some insurers.

Vehicle types

Which mobility scooters do we insure?

We insure all types of mobility scooters and disabled vehicles:

🛵

Open mobility scooter

3- or 4-wheeled, without roof, most common

🚗

Covered mobility scooter

met dak of cabine, bescherming tegen weer

♿

Electric Wheelchair

GeEngineiseerde rolstoel, zitgedeelte

🚴

mobility scooterfiets

Tricycle with pedal assistance

💰 Premium indication for mobility scooter insurance 2025

Affordable premium for all mobility scooters:

Coverage	Per month	Per year
WA (mandatory)	From €5-€6	From €43-€72
WA + Beperkt Casco	From €8-€10	From €96-€120
All Risk (Full Casco)	From €10-€15	From €120-€180
Accident insurance	+ €1.50	+ €18/year
Legal Aid Traffic	+ €2	+ €24/year

* Premie afhankelijk van waarde mobility scooter, postcode, snelheidscategorie en gekozen eigen risico. Verzekeringsjaar loopt van 1 mei tot 30 april.

🚦 Traffic rules Scootmobiel

Een mobility scooter is een Disabled vehicle. you mag op verschillende wegen rijden:

🚶 Footpath Max. 6 km/you • als voetganger

🚴 Cycle path Max. 30 km/you • als fietser

🛣️ Roadway GA snelwegen • als fietser

No driver's license required. Wel minimaal 16 jaar bij scootmobielen > 10 km/u. Helm is niet obliged. Rijvaardigheidscursus wordt aanbevolen.

🏛️ Wmo-Scootmobiel & Insurance

Ontvangt u uw mobility scooter via de Wmo (Wet maatschappelijke ondersteyouning)? Check wie verantwoordelijk is voor de verzekering:

📦 Loan GemAte regelt vaak WA-verzekering

💰 PGB Zelf verantwoordelijk voor verzekering

🔧 Maintenance Bij bruiklA via gemAte

📋 Own contribution max. €19/maand via CAK

Tip: Always check with your municipality whether insurance has been arranged. At PGB you must take out your own mobility scooter insurance!

⚠️ Upgraded mobility scooter? Not Insured!

Opgevoerde mobility scooteren zijn not insured. Schade die u veroorzaakt met een opgevoerde mobility scooter wordt niet gedekt. Sterker nog: de verzekeraar kan de uitgekeerde schade op u verhalen. Rij altijd met een originele, niet-aangepaste mobility scooter.

➕ Additional Coverages

Breid uw mobility scooter insurance uit voor extra zekerheid:

👤 Accident insurance €30.000 bij blijvende invaliditeit, €3.000 bij overlijden, €350 kleding/bagage

⚖️ Legal Aid Traffic Jyouridische hyoulp bij verhalen van schade op tegenpartij

🔧 Roadside assistance 24/7 hyoulp bij pech onderweg, ook op de eilanden

🧳 Accessories Windscherm, bAhoes, boodschappenmand, stokhouder meeverzekerd

📋 Insurance sticker

Na het afsluiten van uw mobility scooter insurance ontvangt u een insurance sticker (voorheen verzekeringsplaatje). Deze moet zichtbaar op uw mobility scooter worden geplakt. Elk jaar krijgt de sticker een andere kleur.

→ Sticker binnen 5 werkdagen per post
→ Verzekeringsjaar: 1 mei tot 30 april
→ Elk jaar automatisch nieuwe Sticker
→ Groene kaart voor byouitenland

📋 Own risk

Bij een mobility scooter insurance geldt vaak een eigen risico bij cascoschade:

→ Up to 6 km/h: eigen risico vaak €75
→ Up to 45 km/h: eigen risico vaak €150
→ Third party damage: Often no deductible
→ Higher deductible: Lower premium possible

Mobility scooter insurance insurers

We work together with specialized insurers:

⭐ AnWB ⭐ younivé ⭐ Uniguarantee EnRA Mobility scooter emergency service HEmA VAstra & de Jong Bokhorst

AnWB offers free Roadside Assistance Mobility Scooter Service for members. EnRA only insures disabled vehicles for drivers with disabilities.

💡 Tips for Mobility Scooter Users

✓ WA mandatory: Never drive without insurance, you risk a fine
✓ All Risk with expensive mobility scooter: Protect your investment against theft
✓ Specify accessories: Specify valuable accessories for proper coverage
✓ Inside stables: Reduces the risk of theft and can lower premiums
✓ Good lock: Beveiliging kan invloed hebben op premie
✓ Wmo insurance: Vraag bij gemAte wie verantwoordelijk is
✓ Driving skills course: For safe participation in traffic
✓ Annual maintenance: Have your mobility scooter inspected annually

📊 Comparison: WA vs. All Risk

Situation	WA	All Risk
Harm to others	✓ Covered	✓ Covered
Mobility scooter theft	✗ Not covered	✓ Covered
Fire & vandalism	✗ Not covered	✓ Covered
Own damage (collision)	✗ Not covered	✓ Covered
Storm & hail	✗ Not covered	✓ Covered
Premium indication	From €5/month	From €10/month
Suitable for	Old/Wmo mobility scooter	Nieuwe/waardevolle mobility scooter

Related Insurance

FAQ

Frequently Asked Questions

Everything about mobility scooter insurance and disabled vehicles.

Yes, third party liability insurance (Third Party Liability) is mandatory for all electrically powered mobility scooters and disabled vehicles in the Netherlands. Without insurance you are not allowed to go on the road and you risk a fine. After purchase, you will receive an insurance sticker that must be visible on the mobility scooter.

Third party insurance costs from €5-€6 per month (approximately €43-€72 per year). All Risk (Full Casco) costs from €10-€15 per month, depending on the value. Additional coverage: accident insurance + €18/year, legal assistance + €24/year. The premium depends on coverage, value, zip code and speed category.

No, you do not need a driver's license for a mobility scooter. However, a minimum age of 16 years applies to mobility scooters that can travel faster than 10 km/h. A helmet is not mandatory. It is advisable to take a driving skills course for safe driving.

Dat verschilt per gemeente. Some municipalities arrange third party liability insurance for loaned mobility scooters. With a PGB (Personal Budget) you are responsible for insurance, maintenance and repairs. Always check with your municipality to determine who is responsible.

WA only covers damage you cause to others (mandatory). All Risk also covers damage to your own mobility scooter: theft, fire, vandalism, storm, damage due to collision, etc. All Risk is recommended for new or valuable mobility scooters.

You are allowed on the footpath (max. 6 km/h), cycle path (max. 30 km/h) and road (no highways). The same rules apply on the footpath as for pedestrians, on the cycle path and on the road as for cyclists. Provide good lighting and reflection for visibility.

After taking out the insurance, you will receive your insurance sticker by post within 5 working days. This must be visibly affixed to your mobility scooter. The insurance year runs from May 1 to April 30. Every year you will automatically receive a new sticker with a different color.

Accessories such as windshield, leg cover, shopping basket and stick holder can be insured. Please specify the value of accessories at closing for proper coverage. Some insurers include a limited amount of accessories as standard.

Yes, both open and covered mobility scooters (with roof or cabin) can be insured. Electric wheelchairs are also welcome. Please note: the premium may be slightly higher for covered models due to the higher value.

No, upgraded mobility scooters are not insured. Damage you cause with a souped-up mobility scooter is not covered. The insurer can even recover damages paid from you. Always drive an original, unmodified mobility scooter.

Bij WA-schade geldt vaak geen eigen risico. In the case of hull damage (All Risk), a deductible of €75 (up to 6 km/h) or €150 (up to 45 km/h) usually applies. With fast models the deductible may be higher. You can sometimes opt for a higher deductible for a lower premium.

Yes, roadside assistance is available as additional cover. You will then receive 24/7 roadside assistance, including on the islands. ANWB offers free Roadside Assistance Scootmobiel Service for members. Specialists aim to be on site within 30 minutes.

Mobility scooter insurance quote

Request a quote without obligation for your mobility scooter or disabled vehicle. WA required, All Risk for extra security.

Request a quote Call: 072 - 509 24 56

Read more …mobility scooter verzekeren

Open Scootmobiel Verzekeren 2025 | 3 & 4 Wheels | WA & All Risk | Finass

🌿 Open Model • 3 & 4 wheels • Zonder Dak

Open mobility scooter Insure

The most common mobility scooter in the Netherlands: open, without roof, with 3 or 4 wheels. Compact, robust or foldable – all easily insured. WA verplicht, All Risk voor extra zekerheid.

✓3 & 4 wheels

✓WA From €5/month

✓All Risk theft

✓Newwaardegarantie

Calculate Your Premium 072 - 509 24 56

🛵

Open mobility scooter

Compact • Robuust • Foldable

✓ WA legally required
✓ All Risk against theft & schade
✓ 3-Wheelers én 4-wielers
✓ Compact, robuust & Foldable
✓ Newwaarde 1e jaar
✓ All A-brands welcome

Request a quote →

🌿

Open modelWithout a roof

💰

From €5/monthAffordable premium

🔒

DiefstalAll Risk coverage

📋

StickerDirect per post

Open mobility scooter

What is an open mobility scooter?

A Open mobility scooter is a mobility scooter Without a roof of cabine. This is the most common type of mobility scooter in the Netherlands. Open scootmobielen zijn verkrijgbaar met 3 of 4 wielen, in compact, robust or foldable versions. Ze worden veel verstrekt via de Wmo (municipality) and are popular because of their maneuverability and lower price.

Open mobility scooteren zijn lighter and cheaper dan overdekte modellen (zoals de Canta of Move). Ze zijn ideaal voor korte tot middellange afstanden: boodschappen doen, familie bezoeken of een ritje door het park. De meeste Open mobility scooteren rijden 6-15 km/h met A actieradius van 20-50 km.

Net als alle scootmobielen moet ook een Open mobility scooter at least third party insurance zijn. Bij Finass Verzekert vergelijken we verzekeringen voor alle Open mobility scooteren: compact, robuust of opvouwbaar, 3 of 4 wielen.

Types

Soorten Open mobility scooteren

Open mobility scooters are available in different versions:

🚀

Compact

Klein, licht, Agile. Ideaal voor winkels en binnenshuis. Tot 12 km/u.

💪

Robyouyoust

Big, powerful, stable. For longer distances and uneven terrain. Up to 15 km/h.

📦

Foldable

Makkelijk mee te nemen in auto of OV. Licht, Compact. 6-8 km/u.

🏋️

XXL / Heavy Dyouty

Extra load capacity (up to 200 kg). Reinforced construction.

3 vs 4 Wielen

3-Wheeler or 4-Wheeler?

Both types can be easily insured for the same premium:

Agile

🔄

3-Wheeler

✓ Zeer Agile
✓ Small turning circle
✓ Ideaal voor winkels
✓ More legroom
✓ Lichter Weight
! Less stable on uneven terrain
! meer kantelrisico in bochten

Stable

🛡️

4-Wheeler

✓ Zeer Stable
✓ Safe in bends
✓ Suitable for oneffen terrein
✓ Less risk of tipping
✓ Steviger op de weg
! Larger turning circle
! Iets zWAarder

💡 Tip: 4-wheeling is often safer

Veel fabrikanten zoals Kymco kiezen bewust voor 4 wielen vanwege de extra stabiliteit. Een 4-wieler staat steviger op de weg en heeft Less risk of tipping bij drempels, bochten of ongelijk terrein. Voor de verzekeringspremie maakt het aantal wielen geen verschil.

Coverages

Welke Dekking Voor Uw Open mobility scooter?

Choose the coverage that suits the value of your mobility scooter:

obliged

🛡️

WA (Third Party Liability)

From €5-€7 per month

✓ Damage to others (persons & property)
✓ Often no deductible
✗ Theft not covered
✗ Own damage not covered
✗ Fire & vandalism not covered

Suitable for older or Wmo mobility scooters with lower value.

Recommended

✨

All Risk (Full Casco)

From €15-€17 per month

✓ Everything from WA+
✓ Theft & joyriding
✓ Fire & short circuit
✓ Own damage due to collision
✓ Storm, hail & vandalism

Recommended for new or valuable mobility scooters.

💰 Premium indication Open Mobility Scooter 2025

Affordable premium for open mobility scooters (cheaper than covered):

Coverage	Per month	Per year
WA (mandatory)	From €5-€7	From €60-€84
All Risk (Full Casco)	From €15-€17	From €180-€204
Accident insurance	+ €1.50	+ €18/year
Legal Aid Traffic	+ €2	+ €24/year
Roadside assistance	+ €3-€5	+ €36-€60/year

* No claim-free years, so no premium increase after damage. Premium depends on value, zip code and coverage.

💎 Newwaardegarantie Eerste Jaar

At one new open mobility scooter With All Risk coverage you get full coverage for the first year aanschafWAarde reimbursed in the event of theft or total loss (up to a maximum of the insured amount).

Na het eerste jaar geldt A afschrijving van circa 1.8% per month gerekend From de aanschafwaarde. De uitkering is echter nooit minder dan de dagwaarde.

🏭 Popular Brands Open Mobility Scooters

Wij verzekeren alle A-merken Open mobility scooteren:

Kymco Shoprider Pride mobility Drive Vermeiren Afikim Excel mobility Syounrise Medical Life & mobility Freerider

Popular models: Kymco maxer, Kymco Agility, Kymco mini LS+, Pride GoGo, Shoprider GK10, Drive Envoy

🧰 Accessoires MeeInsure

Accessoires zijn allA meeverzekerd als u ze explicitly specifies bij het afslyouiten:

🌬️ Windshield

🦵 Leg cover

🛒 Shopping basket

👜 Handrail bag

☔ Rain cover

🦯 Crutch holder

🧳 Suitcase

💨 Zyouyourstofflestas

📱 Phone holder

Specify the total value of accessories. This way you are well insured in the event of theft or damage.

⚠️ Open Mobility Scooter Outside Stables?

Een Open mobility scooter staat bloot aan weer en wind. Indoor stables vermindert het risico op diefstal, vandalisme en weerschade. Sommige verzekeraars hanteren gunstigere Conditions bij adequate stalling. Gebruik altijd een good lock (bij voorkeur ART-goedgekeurd) en overweeg A rain cover voor bescherming.

🏛️ Wmo-Scootmobiel (Municipality)

De meeste Open mobility scooteren via de Wmo zijn 3-Wheelers. Bij bruikleen regelt de gemeente vaak de WA-verzekering. Bij PGB (Persoonsgebonden Byoudget) bent you zelf verantwoordelijk.

→ Loan: GemAte regelt vaak verzekering
→ PGB: Zelf verzekering afslyouiten
→ Always check: Vraag na bij uw gemAte

Insurers Open Scootmobiel

We work together with specialized insurers:

⭐ AnWB ⭐ younivé ⭐ Uniguarantee EnRA Mobility scooter emergency service Bokhorst

💡 Tips for Insuring Open Mobility Scooters

✓ Nieuwe mobility scooter? Choose All Risk for the first year's new value guarantee
✓ Oudere mobility scooter? WA may be sufficient at a low current value
✓ Specify accessories: Anders niet meeverzekerd bij diefstal
✓ Inside stables: Reduces the risk of theft and sometimes lower premiums
✓ Good lock: ART-approved lock for optimal protection
✓ Wmo-mobility scooter: Ask the municipality who insures
✓ Byouitenland: Apply for a green card from your insurer
✓ No claim-free years: Premium does not increase after damage

📊 Vergelijking: Open vs. Covered mobility scooter

Feature	Open mobility scooter	Indoor (Canta/Move)
Roof/cabin	nee	Ja
Weight	Licht (30-80kg)	Heavy (200-400 kg)
Prijs mobility scooter	€1,500-€5,000	€8,000-€20,000
Premium WA	From €5/month	From €10/month
Premium All Risk	From €15/mnd	From €40-€80/month
Wmo provision	Very often	Seldom
Max. speed	6-15 km/h	Up to 45 km/h

Related Insurance

FAQ

Frequently Asked Questions

Alles over Open mobility scooteren verzekeren.

Een open scootmobiel is a mobility scooter zonder dak of cabine. Dit is het meest voorkomende type in Nederland. Open scootmobielen zijn verkrijgbaar met 3 of 4 wielen, in compacte, robuuste of opvouwbare uitvoeringen. Ze zijn lichter en goedkoper dan overdekte modellen.

Een WA-verzekering kost vanaf €5-€7 per maand. All Risk (Volledig Casco) kost From €15-€17 per month. De premie is voordeliger dan bij overdekte scootmobielen vanwege de lagere waarde. Er zijn geen schadevrije jaren, dus geen premiestijging na schade.

Beide types zijn goed te Insure tegen dezelfde premie. Een 4-wieler is stabieler en veiliger, vooral op oneffen terrein. Een 3-wieler is wendbaar met kleinere draaicirkel, ideaal voor winkels. De verzekeringspremie hangt af van de waarde, niet het aantal wielen.

Yes, foldable mobility scooters must also be third party insured. They can simply be insured as an open mobility scooter. Please note: accessories are only insured if you explicitly specify them. The insurance also covers use abroad (apply for a green card).

All A-brand open mobility scooters: Kymco, Shoprider, Pride Mobility, Drive, Vermeiren, Afikim, Excel Mobility, Sunrise Medical, Life & Mobility, Freerider and more. Popular models include Kymco Maxer, Kymco Agility, Pride GoGo and Shoprider GK10.

Yes, for new open mobility scooters with All Risk coverage you will be reimbursed the full purchase value in the first year in the event of theft or total loss. After the first year, a depreciation rate of approximately 1.8% per month applies. The payment is never less than the current value.

Accessories such as windshield, leg cover and shopping basket are only insured if you explicitly specify them when taking out the insurance. Enter the total value of accessories so that you are properly insured in the event of theft or damage.

When borrowing through the municipality, the municipality often arranges third party liability insurance. With a PGB (Personal Budget) you are responsible for your own insurance. Always check with your municipality who is responsible for the insurance.

An open mobility scooter has no roof, is lighter (30-80 kg), cheaper (€1,500-€5,000) and drives slower (6-15 km/h). A covered mobility scooter (Canta, Move) has a cabin, is heavier and more expensive, but protects against the weather. The insurance premium for open mobility scooters is cheaper.

It is not mandatory, but recommended. Indoor stables reduce the risk of theft, vandalism and weather damage. Some insurers apply more favorable conditions for adequate storage. Always use a good lock and consider a rain cover for protection.

Yes, you can go abroad with your mobility scooter. Apply for a green card (International Insurance Certificate) from your insurer. This states in which countries you are insured. Also check the local traffic rules for mobility scooters in the country of destination.

No, there are no claim-free years with mobility scooter insurance. This means that your premium does not increase after a claim. You pay a fixed premium regardless of your claims history. This is different from car insurance where claim-free years do play a role.

Open Mobility Scooter Insurance?

Request a quote for your open mobility scooter without obligation. 3 or 4 wheels, compact, robust or foldable – all welcome.

Request a quote Call: 072 - 509 24 56

Covered Mobility Scooter Insurance 2025 | Canta & Move | WA & All Risk | Finass

🏠 Protected Driving • With Roof & Cabin • Up to 45 km/h

Covered mobility scooter Insure

Closed mobility scooter with roof and cabin? Canta, Move E4, TTZ Electric or other covered disabled vehicle – all insured. Protected against wind and weather, up to 45 km/h, driver's license free.

✓With roof & cabin

✓WA from €10/month

✓All Risk from €40/month

✓Up to 45 km/h

Calculate Your Premium 072 - 509 24 56

🚗

Covered mobility scooter

Canta • move • TTZ Electric

✓ Closed cabin with roof
✓ Protected against wind & weather
✓ Up to 45 km/h - license free
✓ WA required, All Risk recommended
✓ GA wegenbelasting
✓ Sidewalk, cycle path and roadway

Request a quote →

🏠

met CabineRoof & doors

⚡

Up to 45 km/hFast & safe

🎫

Driver's license freeWith limitation

💰

From €10/monthWA premium

Covered mobility scooter

What is a Covered Mobility Scooter?

A Covered mobility scooter is a mobility scooter with a fully enclosed cabin, including roof, doors and windows. Also yes closed mobility scooter named. Well-known examples are the Canta (niet meer in prodyouctie), move E4, MoveE3, TTZ electric en For motion Dike.

Het grote voordeel is dat you are protected against wind and weather. U blijft droog bij regen, warm in de winter en koel in de zomer (veel modellen hebben verwarming en airco). Covered mobility scooteren rijden tot 45 km/h en hebben A actieradius van 50-100km.

Als Disabled vehicle is een Covered mobility scooter Driver's license free voor mensen met een mobiliteitsbeperking. U mag rijden op Sidewalk, cycle path and roadway. Er geldt geen wegenbelasting. Wel is een Third party insurance mandatory.

Featureen

Kenmerken Covered mobility scooter

🏠

Closed Cabin

Dak, deyouren & ramen

⚡

Up to 45 km/h

Snelle Models

🔋

50-100km Bereik

Lithium batteries

🎫

Driver's license free

With limitation

🚫

GA Wegenbelasting

Disabled vehicle

🛣️

Sidewalk, Cycle Path, Roadway

Flexibel rijden

🌡️

VerWArming/Airco

Comfortable

📷

Luxury Options

Camera, blyouetooth

Models

Popular Covered Mobility Scooters

Well-known brands and models that we insure:

🚗

Canta

45 km/h • Klassiek

The original. No longer in production, but still widely used. Second-hand often available.

🚙

move E4

45 km/h • 4 wielen

Modern alternative. Car steering wheel, heating, camera, Bluetooth. 2 persons.

🛺

MoveE3

45 km/h • 3 wielen

Tricycle version. Agile, sporty design. Scooter handlebars.

⚡

TTZ electric

45 km/h • New 2025

Budget alternatief voor Canta. 1.0 en 2.0 Models. Vanaf €7.450,-

🚐

For motion Dike

45 km/h • Premium

Mini-SyouV look. Jeep-stijl, LED-koplampen, 100 Ah lithiyoum accyou.

🏎️

Move Vigoroyous 8

45 km/h • Luxury

Range Rover looks. 12" sportvelgen, camera, blyouetooth, elektrische ramen.

Coverages

Welke Dekking Voor Covered mobility scooter?

Choose the coverage that suits the value of your vehicle (often €8,000-€20,000):

obliged

🛡️

WA (Third Party Liability)

From €10-€15 per month

✓ Damage to others (persons & property)
✓ Legally required
✗ Theft not covered
✗ Own damage not covered
✗ Fire & vandalism not covered

Alleen Suitable for oude voertuigen met lage dagwaarde.

Recommended

✨

All Risk (Full Casco)

From €40-€80 per month

✓ Everything from WA+
✓ Theft & joyriding
✓ Fire, short circuit & lightning
✓ Collision (also your own fault)
✓ Vandalism, storm & hail
✓ Window damage

Highly recommended at value €8,000-€20,000.

💰 Premium indication for a covered mobility scooter 2025

Premiums are higher than open mobility scooters due to higher value and speed:

Coverage	Per month	Per year
WA (mandatory)	€10-€15	€120-€180
All Risk (Full Casco)	€40-€80	€480-€960
Accident insurance	+ €1.50	+ €18/year
Legal Aid Traffic	+ €2	+ €24/year
Roadside assistance (at Casco)	Included	—

* Premium depending on value (€8,000-€20,000), speed (25/45 km/h), zip code and security. At 45 km/h often a higher deductible.

⚠️ Acceptance: Mobility limitation Often Required

Many insurers accept covered mobility scooters only for drivers with a demonstrable mobility limitation. This is because covered mobility scooters are classified as disabled vehicles.

→ With limitation: No problems, often lower premium
→ Without limitation: Fewer providers, higher premiums, customization required
→ Under 24 years without limitation: Very limited options, often higher deductible (€750)

🔄 Canta/Move vs. Biro: Important Difference!

🚗 Canta / Move (Scooter)

✓ Disabled vehicle
✓ Driver's license free (with restriction)
✓ Allowed on sidewalks, cycle paths and roadways
✓ GA wegenbelasting
✓ No license plate (RDW)
✓ Sidewalk parking allowed
✓ Insurance easier with limitation

🚙 Biro (Moped car)

✗ Moped car (L6e category)
✗ Rijbewijs Am of B vereist
✗ Only on roadway
✗ Wel wegenbelasting
✗ License plate required
✗ Stoepparkeren niet toegestaan
✗ Other insurance (moped car)

⚡ Eigen Risico Bij 45 km/h Hoger

For fast covered mobility scooters (25-45 km/h), insurers often use a hoger eigen risico for airframe damage than with slower models. This is due to the higher risk of damage at higher speeds.

→ 6-15 km/h: Deductible approximately €75-€100
→ 25-45 km/h: Deductible approximately €150-€250
→ Onder 24 jaar: Sometimes €750 deductible

🔒 Beveiliging & Stalling

Insurers often impose requirements on the security and storage of covered mobility scooters:

→ ART slot: ART approved lock often required or recommended
→ Binnenstalling: Indoor stables reduce the risk of theft and can lower premiums
→ Alarm/GPS: Some models have built-in alarm or GPS tracking
→ Docyoumentatie: Keep proof of purchase, accessories list and photos

Verzekeraars Covered mobility scooter

We work together with specialized insurers:

⭐ EnRA ⭐ AnWB ⭐ younivé Uniguarantee Bokhorst Alpine

Let op: ENRA only accepts drivers with a demonstrable disability. Without limitation, there are fewer providers available.

📋 Aanvullende Coverages

→ Accident insurance: €3.000 bij overlijden, max €30.000 blijvende invaliditeit, €350 kleding/bagage. Premie circa €18/jaar
→ Legal Aid Traffic: Jyouridische hyoulp bij verhalen schade op tegenpartij. Premie circa €24/jaar
→ Roadside assistance: Bij Casco dekking vaak Included (ENRA). Anders aanvullend af te sluiten
→ Accessories: Opgeven bij afsluiten voor correcte Coverage

💡 Tips for Insuring Covered Scooter

✓ All Risk Recommended: For a value of €8,000+, All Risk is sensible
✓ Specify accessories: Specify heating, camera, seat heating separately
✓ Snelheid doorgeven: 25 km/h vs 45 km/h affects premium and deductible
✓ Binnenstalling: Reduces the risk of theft and can lower premiums
✓ ART slot: Invest in a good lock, sometimes required for coverage
✓ Mobility limitation: In case of limitation, more providers and often lower premiums
✓ Green card: Apply for travel abroad
✓ No claim-free years: Premium does not increase after damage

📊 Comparison: Covered vs. Open mobility scooter

Feature	Covered mobility scooter	Open mobility scooter
Roof/cabin	Yes (completely closed)	nee
Protection again	Complete	GA
Max. speed	Up to 45 km/h	6-15 km/h
Weight	200-400kg	30-80kg
Vehicle price	€8,000-€20,000	€1,500-€5,000
Premium WA	€10-€15/month	€5-€7/month
Premium All Risk	€40-€80/month	€15-€17/mnd
Wmo provision	Seldom	Very often
VerWArming/airco	Often standard	n.v.t.

Related Insurance

FAQ

Frequently Asked Questions

Everything about covered mobility scooter insurance.

A covered mobility scooter is a mobility scooter with a fully enclosed cabin, including roof, doors and windows. Well-known examples are the Canta, Move E4, Move E3 and TTZ Electric. They offer protection against wind and weather, travel up to 45 km/h and are driver's license-free for people with mobility limitations.

Third party insurance costs from €10-€15 per month (€120-€180/year). All Risk costs from €40-€80 per month (€480-€960/year), depending on the value (€8,000-€20,000). The premium is higher than for open mobility scooters due to the higher value and speed.

Many insurers only accept drivers with a demonstrable mobility limitation. Without restrictions, there are fewer options and the premium is often higher. For young people under 24 without disabilities, additional restrictions or higher deductibles sometimes apply (€750).

A Canta is a disabled vehicle (scooter): no driver's license, allowed on sidewalks/cycle paths/roadways, no road tax, no license plate. A Biro is a microcar: AM or B driving license required, only on roadways, road tax and license plate required. Other insurance required.

No, the Canta brand is no longer in production. You have to rely on second-hand models. Modern alternatives include the Move E4, Move E3, TTZ Electric and For Motion Dike. These often offer more comfort, better technology and similar benefits as a disabled vehicle.

For a value of €8,000-€20,000, All Risk is highly recommended. WA only covers damage to others, not theft or personal damage. With a new or valuable covered mobility scooter, All Risk fully protects your investment against theft, collision, fire and vandalism.

Yes, for fast models (25-45 km/h), insurers often apply a higher deductible for hull damage. At 6-15 km/h this is approximately €75-€100, at 25-45 km/h approximately €150-€250. Young people under the age of 24 without disabilities sometimes pay a €750 deductible.

No, a covered mobility scooter as a disabled vehicle does not require a driver's license. However, a minimum age of 16 years applies for speeds above 10 km/h. You must be able to operate the vehicle safely and obey the traffic rules. Third party insurance is mandatory.

You are allowed to drive on the sidewalk (max 6 km/h), the cycle path and the roadway. Not on highways or highways. You adapt your speed to the environment. This is different from a moped (Biro), which is only allowed on the road. Sidewalk parking is permitted for mobility scooters.

No, covered mobility scooters are exempt from road tax as a disabled vehicle. This is an important advantage compared to microcars (such as the Biro), for which road tax must be paid.

Accessories such as heating, reversing camera, seat heating or special controls are only insured if you explicitly specify them when taking out the insurance. Provide the total value of accessories to avoid underinsurance and discussions in the event of damage.

Roadside assistance is often included in Comprehensive (All Risk) cover (for example with ENRA). You can use roadside assistance if you unexpectedly have a breakdown along the way. Otherwise, additional roadside assistance can be arranged from the ANWB Roadside Assistance Scootmobiel Service or Scootmobiel Hulpdienst.

Overdekte Want to insure your mobility scooter?

Request a quote without obligation for your Canta, Move E4, TTZ Electric or other covered disabled vehicle.

Request a quote Call: 072 - 509 24 56