In law a light quadricycle (brommobiel) is a moped on four wheels: registration, an AM licence and the insurance obligation all apply, even when the vehicle is standing still.
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In brief
A light quadricycle has a moped registration and a design top speed of 45 kilometres per hour. That makes it a motor vehicle and brings it under the insurance obligation of Article 2 of the Dutch Motor Insurance Liability Act (WAM). That obligation attaches to the registration, not to the driving: if the registration is in your name and you do not use the vehicle for six months, third-party liability cover must still be in place or you must have the registration suspended.
To drive it you need an AM licence. Without that licence you are not an authorised driver and own-damage cover falls away after a loss; third-party liability cover does pay the other party, but the insurer may recover that amount from the driver. The same applies if you lend the vehicle to someone without an AM licence. If you are sixteen and just starting out, read on at the page on insurance at the age of sixteen.
The structure of the cover in three parts, with an overview per situation below.
Compulsory
Third-party liability
Damage you cause to others.
Required by law
As long as the registration is in your name
Suspend the registration when not in use
Third-party liability plus
Third-party, fire and theft
Causes beyond your control.
Fire and storm
Theft
Windscreen damage
Comprehensive cover
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.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
The insurance requirement attaches to the registration
As long as the registration is in your name, third-party liability cover must be in place on the vehicle. If you put the light quadricycle in the shed for the winter, that obligation does not stop by itself. If you do not want to pay during that period, you suspend the registration with the RDW (the Dutch vehicle authority); with a suspended registration you may not use the public road. An insurer that ends the cover reports this to the RDW and you will then receive a fine.
The AM licence and who may drive
For a light quadricycle the AM licence is the heart of the cover. If someone drives without that licence, almost every policy treats this as an exclusion. If you lend the vehicle to a neighbour or a house guest, check that they hold an AM licence and that your policy allows lending. Some insurers work with a named regular driver and restrict cover when someone else drives on a structural basis.
Where you may drive and why that counts
Different rules apply to a light quadricycle than to a car: which parts of the road, service roads or cycle paths you may use depends on the signs in each place. If you drive on a part of the road that is prohibited for your vehicle category and something happens, that does not immediately change your cover, but it does change your position on the question of liability under Article 6:162 of the Dutch Civil Code and on how the loss is apportioned.
What is not covered
Outside the cover are: driving without a valid AM licence; a vehicle that has been derestricted or whose speed limiter has been altered, even where the alteration had nothing to do with the loss; wear, mechanical defects and deferred maintenance; hiring out, giving lessons or delivery work that has not been declared; driving under the influence, in which case the insurer recovers from the driver what it paid the other party; and damage caused intentionally.
What does your premium depend on?
Age of the regular driver — The youngest group of drivers has the highest claims frequency and therefore weighs heavily.
No-claims years — Every year without an at-fault claim moves you up a step on the no-claims scale.
Place of residence — The postcode determines the chance of theft, vandalism and collisions in the immediate area.
List price of the vehicle — The value on delivery is the basis for calculating the own-damage premium.
Storage — A locked garage or storage room counts differently from a parking space on the public road.
Type of cover chosen — Third-party liability only, third party, fire and theft, or comprehensive cover, with the excess that goes with it.
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.
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.
Do I have to insure the vehicle while it is standing still?
Yes, for as long as the registration is in your name. The insurance obligation under Article 2 of the Dutch Motor Insurance Liability Act (WAM) attaches to the registration and not to the use. If you do not want to pay a premium during a period of non-use, you suspend the registration with the RDW. While the registration is suspended you may not use the public road, and cover for damage you cause there falls away.
May I lend out my light quadricycle?
Usually yes, provided the driver holds an AM licence and your policy does not name a fixed driver. Check the driver clause before you hand over the key. If someone drives without an AM licence, that is an exclusion: the other party is compensated under the WAM, but the insurer recovers that amount and your own damage goes unpaid.
Do I need a helmet in a light quadricycle?
No. A light quadricycle has a closed or half-closed body with seat belts, and the helmet requirement for an ordinary moped does not apply. The seat belt requirement does apply. If you do not wear a belt and are more seriously injured as a result, that may be taken into account as contributory negligence when your injury claim is settled.
What happens if the vehicle has been derestricted?
You are then no longer driving the vehicle as it was type-approved and insured. Almost every policy excludes damage where the design speed has been increased, even where the speed played no part in the accident. If you buy second-hand, have the speed limiter checked to confirm it is original; as the policyholder you carry the risk of an earlier alteration.
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.
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