Liability
- Injury to pedestrians and cyclists
- Damage to parked cars
- Damage to shop fittings
- No cover for the mobility scooter itself
Disability vehicle · liability · own-damage cover
Insuring an open mobility scooter
An open mobility scooter is a disability vehicle without a cabin. The insurance consists of two parts: liability for damage to others and own-damage cover for the vehicle itself.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
Deze pagina in het Nederlands: Open scootmobiel verzekeren.
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
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
The starting point in road traffic law is that every motor vehicle used on the public road comes under the insurance obligation of Article 2 of the Dutch Motor Insurance Liability Act (WAM). For disability vehicles that works out differently: an ordinary mobility scooter does not require registration and, because of its limited design speed, generally falls outside that obligation. That does not make insurance any less important, because the liability itself does not disappear with it: if you cause damage to someone else with the mobility scooter, you bear it in full without cover under Article 6:162 of the Dutch Civil Code.
The liability cover on a mobility scooter policy pays for that damage: a collision with a cyclist, a damaged car door in the car park or injury to a pedestrian. Some personal liability policies already include liability for damage caused with a disability vehicle that does not require registration, but that cannot be taken for granted. Check the conditions of your AVP before you assume that you are insured twice over.
You then choose whether the vehicle itself is insured. On an open mobility scooter the vulnerable points are the control panel, the canopy, the lights and above all the battery pack. Because the vehicle has no cabin, it also stands outdoors or in a communal storage room more often, which increases the theft and weather risk.
Which cover can you choose?
Three levels of cover, with the situations that arise most often on an open mobility scooter set out beneath them.
Third-party, fire and theft
A fixed list of events over which you have no influence.
- Theft under the security conditions
- Fire and lightning strike
- Storm and hail damage
- Your own fault remains at your own expense
Comprehensive
Damage to your own mobility scooter through your own doing or without a third party involved is also excluded.
- Tipping over and running into a post
- Damage with no known other party
- Often with breakdown assistance
- You can choose your own excess
What is covered
| Situation | Liability | Comprehensive |
|---|---|---|
| Damage you cause to someone else | Yes | Yes |
| Theft from a locked storage room | No | Yes |
| Falling over on the pavement with no other party involved | No | Yes |
| Accessories such as a rain canopy or stick holder | No | Provided that |
| Loss of battery capacity through normal use | No | No |
| Damage during a speed or skill trial | No | No |
What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) that you receive before you take out cover.
What matters on an open mobility scooter
Four points that determine whether the policy actually pays out in the event of a claim.
The version and the speed determine the category
An ordinary mobility scooter is a disabled person's vehicle without a registration. There are, however, faster versions registered as a moped; for those vehicles the insurance obligation of Article 2 of the Dutch Motor Insurance Liability Act (WAM) applies in full, with the licence and helmet rules that go with it. So look at the vehicle's papers and not at its appearance. If you insure a registered vehicle as an ordinary mobility scooter, the policy does not match the registration.
Storage, battery and the weather
An open mobility scooter stands outdoors or in a communal storage room more often than an enclosed model. That increases the risk of theft, vandalism and damp damage to the electronics. Insurers therefore tie own-damage cover to a a locked storage space and sometimes to an approved lock. Charge the battery pack as the manufacturer prescribes: damage arising from incorrect charging or from a non-original charger is generally not paid.
What is not covered
The following, among others, are outside the cover: theft without the prescribed security or from an unlocked place; use off-road, on the beach or in the dunes, where the policy gives no cover; taking part in speed or skill trials; and riding a derestricted version or, on a registered model, without a valid licence for that category. Wear, gradual loss of battery capacity and damage through intent or recklessness are also excluded, the last of these under Article 7:952 of the Dutch Civil Code.
Declaring users and adaptations
The policy states who uses the mobility scooter. If you lend the vehicle out regularly or a member of your household uses it as often as you do, report that. On taking out the policy, the duty of disclosure under Article 7:928 of the Dutch Civil Code and a breach of it can void the payout (Article 7:930 of the Dutch Civil Code). The same goes for adaptations such as an adapted seat, a hoist or a larger battery. You report a loss as soon as is reasonably possible, as Article 7:941 of the Dutch Civil Code requires.
What does your premium depend on?
- Purchase value and year of manufacture: determines the own-damage premium
- Version and top speed: a disabled person's vehicle or a moped
- Storage: locked store or outdoors
- Security: lock or immobiliser
- Type of cover and excess: liability only or own-damage cover as well
- Add-ons: assistance and personal accident cover
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, risk and 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
This is what people ask us most.
Is insurance for a mobility scooter compulsory?
For an ordinary mobility scooter that does not require registration, the insurance obligation under Article 2 of the Dutch Motor Insurance Liability Act (WAM) generally does not apply, because it is a disability vehicle with a limited design speed. For faster versions registered as mopeds, that obligation does apply. Quite apart from that, you remain liable for the damage you cause; without cover you pay it yourself, including any injury losses.
Does the mobility scooter come under my liability insurance?
Sometimes. A number of AVP policies include liability for damage caused with a disability vehicle that does not require registration, others exclude all motor vehicles. Read your conditions or ask your insurer. Note: an AVP covers only the losses of others. Theft of or damage to the mobility scooter itself is never covered by it; own-damage cover is needed for that.
Is the battery covered?
Damage to the battery pack through a covered event, such as fire or a collision, generally comes under own-damage cover, often with depreciation by age. Gradual loss of capacity through normal use is wear and is not paid. Charge as the manufacturer prescribes and use the original charger; damage from incorrect charging usually remains at your own expense.
What happens if the mobility scooter is stolen?
Under third party, fire and theft, or comprehensive cover, theft is covered, provided the conditions in your policy have been met. These generally require a locked storage place and sometimes an approved lock. If the vehicle was left unlocked outdoors, no payment usually follows. Always report it to the police straight away and notify the insurer of the theft; payment is based on the market value, unless your policy has a purchase price scheme.
Is assistance in the event of a breakdown included in the cover?
Not as standard. Many insurers offer assistance as an addition: after a breakdown or with a flat battery you are taken home or to the supplier along with the vehicle. On a mobility scooter that matters, because the vehicle is heavy and does not simply fit in a car. Check whether the cover also applies with a flat battery. That is not always the case.
Read more
Within Bromfietsverzekering
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Would you like a premium calculated for your mobility scooter?
Request a quotation without obligation. We check the version, the storage and any additions you want.
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.