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
In law, a light quadricycle (brommobiel) is a moped on four wheels with a yellow registration plate and a top speed of 45 km/h. Third-party liability insurance is compulsory as soon as the registration is in your name. You drive it on an AM driving licence or on a category B licence, from the age of sixteen.
Value over time. Depreciation is flat. With damage to the drivetrain the total loss point soon comes into view.
Security and repair. Vandalism and glass damage occur more often than theft. Plastic panels keep repair costs down, but delivery times can run on.
The structure of the cover in three parts, with an overview per situation below.
Compulsory by law
Third-party liability
Damage you cause to others with the light quadricycle.
Compulsory from registration onwards
Damage to other vehicles
Injury to third parties
Most chosen
Third-party, fire and theft
Theft, fire, storm and glass damage to your own vehicle.
Theft and burglary
Fire and storm
Glass and panels
On a new light quadricycle (brommobiel)
Comprehensive
Damage through your own fault and parking damage as well.
Own fault
Vandalism
Usually up to a certain age
What is covered
Situation
Third-party liability
Third-party, fire and theft
Comprehensive
Damage to another road user
Yes
Yes
Yes
Theft of the light quadricycle
No
Yes
Yes
Fire or storm damage
No
Yes
Yes
Driving into a bollard yourself
No
No
Yes
Loss of battery capacity
No
No
No
Tuning for extra speed without reporting it
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.
Value over time on a Microcar
Depreciation is flat. With damage to the drivetrain the total loss point soon comes into view.
No helmet requirement, but seat belts and child seats
There is no helmet requirement for a light quadricycle (brommobiel) — unlike a low-powered moped, for which one has applied since 1 January 2023. What does apply is the seat belt requirement and the rules for children. A child under 1.35 metres belongs in a suitable child seat. This is taken into account in the event of injury, including under the cover for accidents to occupants.
Vandalism and glass damage occur more often than theft. A tuned light quadricycle is no longer what the policy describes. After an accident the insurer may refuse the payout and recover the other party's third-party liability claim from you.
Repairs and parts
Plastic panels keep repair costs down, but delivery times can run on.
What does your premium depend on?
List price: the main basis for calculation
Year of manufacture and trim level: petrol or electric
Age of the driver: the most important factor for young riders
Postcode area
Storage and security
Cover and excess chosen
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.
An AM licence or a category B licence, from the age of sixteen. In law a light quadricycle is a four-wheeled moped with a yellow registration plate and a top speed of 45 km/h.
Is a helmet compulsory?
No. The helmet requirement that has applied to low-powered mopeds since 2023 does not apply to light quadricycles. The seat belt requirement and the child seat rules do apply.
What should I watch out for with this make?
Depreciation is flat. With damage to the drivetrain the total loss point soon comes into view.
What if I have it tuned for extra speed?
The vehicle then differs from what is stated on the policy. The insurer can refuse the payout and recover from you the amount it pays to the other party.
What does the insurer require against theft?
Vandalism and glass damage occur more often than theft.
Do I build up no-claims years?
With most insurers yes, and they can often be transferred later to a car. Ask about it, because not every company records them.
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.
