Third-party liability insurance
- Damage to other vehicles
- Injury to third parties
- Damage to buildings and objects
- Damage caused by passengers
Insuring a light scooter & comparing premiums
A light scooter (snorscooter) with a blue plate reaches 25 km per hour and, within built-up areas, usually rides on the cycle path, among cyclists and pedestrians: and that determines the claims pattern.
- 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
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.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
The light scooter has a blue registration plate and a design speed of 25 km per hour. Third-party liability cover is compulsory under Article 2 of the Dutch Motor Insurance Liability Act (WAM). Unlike on a faster vehicle, the risk of injury here arises mainly in dealings with vulnerable road users: cyclists, children and pedestrians crossing the cycle path. Since 1 January 2023 a helmet has also been compulsory.
In financial terms, however, the biggest loss lies not in a collision but in theft. Light scooters are often kept in the street in cities. Insurers therefore tie own-damage cover to requirements for the lock and storage. Without third party, fire and theft or comprehensive cover, theft is not covered, however careful you are.
If you ride electric, the battery plays a part of its own: value, charging habits and fire risk. We compare independently how insurers deal with this. If your vehicle reaches 45 km per hour on a yellow plate, you belong on the moped insurance.
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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.
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What does insuring a light scooter & the premium cover?
The structure of the cover in three parts, with an overview per situation below.
Third-party liability + fire and theft
Alongside third-party liability cover, protection against damage to your own car from external causes you cannot prevent.
- Fire and storm damage
- Theft and burglary
- Windscreen breakage and glass damage
- Collision with animals
Comprehensive insurance
The most complete cover, including where you are at fault and for damage to your own scooter. Advisable for a new or valuable light scooter.
- Hail damage
- Damage through your own fault
- Vandalism
- Unknown party at fault
What is covered
| What we do | At Finass | Direct with Ansvar |
|---|---|---|
| Comparison across several insurers | Yes | No |
| Advice based on your own situation | Yes | Provided it is declared |
| One point of contact for claims | Yes | Provided it is declared |
| Cancellation with your current insurer arranged | Yes | No |
| We determine whether Ansvar is the best choice | Yes | No |
| Advice fees for you as a customer | No | No |
What we do
| What we do | At Finass | Direct with Snorscooterverzekering |
|---|---|---|
| Comparison across several insurers | Yes | No |
| Advice based on your own situation | Yes | Sometimes |
| One point of contact for claims | Yes | Sometimes |
| Cancellation with your current insurer arranged | Yes | No |
| We determine whether light scooter insurance is the best choice | Yes | No |
| Advice fees for you as a customer | No | No |
This overview concerns our service, not the cover. What is actually covered is set out in the policy conditions and on the insurer's insurance card (verzekeringskaart); you receive both before you take out cover.
What does your premium depend on?
- Where the vehicle is kept and the postcode. Street parking in a city centre weighs more heavily than a locked shed or storage room.
- Replacement value as new including the battery. On electric models the battery pack accounts for a considerable part of the insured value.
- Security level. An approved lock, a chain around a fixed object or a tracking system brings the theft risk down.
- Age of the driver. The age of the regular rider is a fixed rating step for many insurers.
- No-claims years. A claim-free record on a moped or light moped counts with most insurers.
- Cover and excess chosen. Third-party liability only, or with third party, fire and theft or comprehensive cover added, with an excess per event.
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.
Among cyclists and pedestrians on the cycle path
On the cycle path the difference in speed is small, but the consequence of a collision is not: a cyclist or pedestrian who falls can easily suffer a hip or head injury. You are liable for that under Article 6:162 DCC and third-party liability cover pays. Note that a number of local authorities have moved light mopeds to the carriageway. That changes the risk picture and sometimes the rate as well.
Theft: the lock determines the cover
For third party, fire and theft and for comprehensive cover, insurers set requirements for security: an approved lock, often a chain around a fixed object and sometimes locked storage. If those are not met, theft is not covered. The same applies to misappropriation after lending and to theft where the keys were left in the ignition or under the seat. Reporting the matter to the police is a condition of payment.
Helmet compulsory since 1 January 2023
On a light scooter an approved helmet is compulsory; besides a moped helmet, a speed pedelec helmet permitted for the purpose may also be worn. Without a helmet you risk a fine. For liability towards someone else that changes nothing, but under additional personal accident or riders' cover the absence of a helmet can be raised against you when your own injury loss is assessed.
Riding electric: battery, charger and derestricting
On an electric light scooter the battery represents a large part of the value. Declare it separately, particularly if you charge a removable battery indoors. Damage or fire caused by a non-original charger or a battery pack you replaced yourself generally remains outside the cover, as does a leased or hired battery that is not your property. Derestricting above 25 km per hour formally makes the vehicle a moped.
Scooter breakdown assistance
Scooter breakdown assistance 24/7 help with breakdowns on the road, with recovery and replacement transport where possible.
Accident cover for occupants
Accident cover for occupants A fixed payment for permanent injury or death of the driver and passenger after an accident.
Frequently asked questions
This is what people ask us most.
Is a helmet compulsory on a low-speed scooter?
Yes. Since 1 January 2023 an approved helmet has been compulsory on a light moped and light scooter. Besides a moped helmet, a speed pedelec helmet permitted for the purpose is allowed. Without a helmet you risk a fine. Your liability towards someone else is not affected by it, but under cover for your own injury the absence of a helmet can count.
Where may I ride a light scooter?
Within built-up areas, usually on the cycle path, unless the signs say otherwise. A number of local authorities have moved light mopeds to the carriageway. Outside built-up areas you ride on the cycle path or moped path where there is one. State your actual home and storage address when you apply, because that helps determine the risk profile.
Is theft of my light scooter covered?
Only with third party, fire and theft, or comprehensive cover, and only where you comply with the security requirements in the policy: an approved lock, often secured to an immovable object. Without that compliance, refusal follows. Theft after lending the scooter to someone who does not bring it back also falls outside the cover; that is misappropriation and not theft within the meaning of the conditions.
Is the battery of an electric light scooter included in the cover?
That depends on what you declare. Declare the battery pack separately, stating where and how you charge. A hired or leased battery is not your property and falls outside your own-damage cover. Damage caused by a non-original charger or a battery pack you fitted yourself is generally excluded. We compare how insurers have dealt with this in their conditions.
Every situation is different. For these situations we have a separate page.
- Insuring a moped & comparing premiumsThe main page
- Insuring an electric scooter & comparing premiums
- Moped insurance through Unigarant
- Insuring a mobility scooter and SegwayLiability, category, theft
- Compare scooter insuranceBlue or yellow plate, helmet requirement, derestricting
- Insuring a low-speed scooterBlue plate, cycle path, battery
Read more
Within Bromfietsverzekering
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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.