Third-party liability
- Compulsory from registration onwards
- Damage to other vehicles
- Injury to third parties
Insuring a Microcar
Microcar builds the M. Go, Dué and Highland, positioned much like Ligier.
- 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 · Deutsch
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
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.
Independent, personal, sorted quickly
We compare your moped insurance across dozens of insurers, explain where the real differences lie, and arrange the switch from start to finish — without you having to chase it yourself.
Moped insurancePhoto coming soon
ComparePhoto coming soon
Get coveredPhoto coming soon
Microcar: what is covered?
The structure of the cover in three parts, with an overview per situation below.
Third-party, fire and theft
Theft, fire, storm and glass damage to your own vehicle.
- Theft and burglary
- Fire and storm
- Glass and panels
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.
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.
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.
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.
Report modifications; never tune for extra speed
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.
Frequently asked questions
This is what people ask us most.
Which driving licence do I need?
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.
Every situation is different. For these situations we have a separate page.
- Insuring a moped & comparing premiumsThe main page
- Compare scooter insuranceBlue or yellow plate, helmet requirement, derestricting
- A business light quadricycle (brommobiel): drivers and employer riskIn the company name, delivery, livery
- Insuring a RAMRAM, value over time, security, repair
- Insuring a speed pedelec45 km/h, moped, helmet to NTA 8776
Read more
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.