Liability · battery · storage
Mobility vehicle insurance through Klaverblad
In law a disability vehicle (invalidenvoertuig) is not an ordinary motor vehicle. That changes one thing above all: where your liability lands if you hit someone.
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Deze pagina in het Nederlands: Invalidenvoertuigverzekering via Klaverblad.
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.
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- 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
Klaverblad offers insurance for disability vehicles: mobility scooters, electric wheelchairs and enclosed disability vehicles. Finass arranges cover with Klaverblad and is not tied to this company. We compare several insurers objectively and the choice follows from what cover you need. The conversation starts with a legal peculiarity: a disability vehicle does not come under the insurance obligation that Article 2 of the Dutch Motor Insurance Liability Act (WAM) imposes on cars and mopeds. There is no compulsory third-party liability policy. Your liability under Article 6:162 of the Dutch Civil Code of course does not lapse as a result.
The practical question is therefore where a collision with a pedestrian ends up. In many households that is the personal liability insurance. That policy excludes motor vehicles, but usually makes an exception for power-driven disability vehicles. Usually is the key word here: the provision is not worded the same way in every policy and is often tied to a maximum design speed. Read that one sentence in your own conditions before you assume the matter is settled.
What the disability vehicle insurance itself adds is damage to and loss of the vehicle: theft, vandalism, tipping over, fire and collision, plus assistance in the event of a breakdown on the road. For someone who cannot get about outdoors without the vehicle, that assistance often matters more than the own-damage payment itself. An open model and a covered or enclosed model are assessed differently. The wider overview is at mobility scooter and Segway insurance.
This page deals with one situation. The full overview is on Compare mobility scooter and Segway insurance.
What to look out for
Four points that lead to a refusal on a disability vehicle more often than the level of the insured value does.
Arrange the liability before the own-damage cover
A mobility scooter travels on pavements and in shopping areas, among pedestrians who do not hear you coming. Injury claims mount up quickly there and fall entirely on you if nothing picks the claim up. Check whether your AVP expressly includes the disability vehicle, and whether that also applies to family members who ride it occasionally. If there is no AVP, separate liability cover on the vehicle policy is the only route.
The battery is the most expensive part and the most narrowly covered
Loss of capacity after years of charging is wear and inherent defect, not a sudden event, and is therefore excluded. Fire while charging is a sudden event, but insurers then set requirements: charging with the charger supplied, not in an escape route or a communal hallway, and no home-made alterations to the battery or the wiring.
Where the vehicle is kept is a condition of cover, not a detail
Theft is the most frequently reported loss. The conditions generally prescribe a locked space, with the key removed and the vehicle locked. If the mobility scooter stands in a communal storage room, a doorway or under a canopy, report that when you apply; otherwise it turns out afterwards that the risk was never assessed.
Who rides it and for what
Use by a grandchild, a neighbour or a visitor is by no means always within the description of the insured. Also, derestricting the speed puts the cover out of action, because the vehicle then no longer answers to the description on the policy schedule. If the situation changes, that touches the duty of disclosure under Article 7:928 of the Dutch Civil Code and the consequences of Article 7:930 of the Dutch Civil Code.
What does your premium depend on?
- Type of vehicle: an open mobility scooter counts differently from an enclosed model with a body
- Replacement value as new and age: determines whether payment at replacement value as new is still possible
- Type of cover chosen: liability only, or liability with own-damage cover
- Where the vehicle is kept: your own locked storage room or a shared space
- Excess: often arranged separately for theft and for other damage
- Assistance and a replacement vehicle: included in the cover or not, and whether a replacement is brought to your home
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | Liability | With own-damage cover |
|---|---|---|
| You catch a pedestrian in a shopping street and she breaks her hip | Yes | Yes |
| The mobility scooter is stolen from your own locked shed | No | Yes |
| The vehicle tips over coming off a kerb and the canopy breaks | No | Yes |
| You come to a halt two kilometres from home with a flat battery | Provided that | Provided that |
| The shopping and your phone in the basket are ruined when it tips over | No | No |
| A grandchild takes it for a ride and hits a parked car | Provided that | Provided that |
Whether a row marked Provided that falls your way depends on the description of the insured on your policy schedule.
Frequently asked questions
This is what people ask us most.
Am I required to insure a mobility scooter?
No. A disability vehicle falls outside the insurance obligation that Article 2 of the Dutch Motor Insurance Liability Act (WAM) imposes on motor vehicles, and there is no registration against which that obligation is checked. That says nothing about your liability: if you cause injury, you can be held to account under Article 6:162 of the Dutch Civil Code. So first check whether your personal liability insurance (AVP) includes the vehicle.
Does the insurer pay for a worn-out battery?
No. Declining capacity through normal use and age falls under wear and inherent defect, and that is excluded on every own-damage cover. If the battery is stolen or lost in a fire or a collision, that is a covered event, provided you have kept to the charging and storage requirements. A faulty charger you bought yourself can cut across that cover.
My mobility scooter stands in the communal storage room of the block. Is that a problem?
Not necessarily, but the insurer must know about it. Many policies require a locked space that not everyone can get into. A storage room to which all residents have a key sometimes does not count as such. State the storage arrangements when you apply. If you conceal them, payment may be reduced or refused under Article 7:930 of the Dutch Civil Code.
I have damaged someone else's car. What should I do?
Report it as soon as is reasonably possible; Article 7:941 of the Dutch Civil Code requires you to. Do not admit liability yourself and leave the assessment to the insurer, because an admission can work against you later. Note down what happened, take photographs and ask for the details of any witnesses. Damage you cause intentionally remains uninsured in any event under Article 7:952 DCC.
Read more
Within Bromfietsverzekering
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