Microcar insurance – Everything you need to know
Do you own a Microcar or are you considering buying one? Then it's important to know that you're legally required to insure this vehicle. A Microcar is a popular moped: compact, economical, and ideal for city driving or short trips. Because a Microcar isn't covered by regular car insurance, you moped insurance . This way, you can hit the road safely and worry-free.
Quick start
- Provisional coverage possible
- personal advice
- Response within 1 working day
Microcar insurance – Everything you need to know
Do you own a Microcar or are you considering buying one? Then it's important to know that you're legally required to insure this vehicle. A Microcar is a popular moped: compact, economical, and ideal for city driving or short trips. Because a Microcar isn't covered by regular car insurance, you moped insurance . This way, you can hit the road safely and worry-free.
Quick start
- Provisional coverage possible
- personal advice
- Response within 1 working day
What is Microcar insurance?
Microcar insurance is similar to car insurance, but specifically tailored to mopeds. You can choose from various coverage options:
✔ Third-party liability insurance (WA) – Mandatory and covers damage you cause to others with your Microcar.
✔ Third-party liability + limited coverage – More extensive coverage against fire, theft, storm and glass breakage, among other things.
✔ Fully comprehensive – The most comprehensive coverage, also for damage to your own Microcar, even if you are at fault.
✔ Passenger accident or damage insurance – For protection of the driver and passenger.
✔ Traffic legal expenses insurance – For legal assistance in the event of disputes or damage claims.
Extras such as charging facilities, accessories or improvements can often be additionally insured.
compare Moped insurance with all insurers, so you get the best and most competitive premium Moped insurance
Why good Microcar insurance is important
🔹 Legal obligation – You are not allowed to drive without TP.
🔹 Protection against high costs – Damages can be quite expensive, especially in the case of personal injury.
🔹 Protect your own vehicle – With TP+ or Comprehensive, you are also insured in the event of theft or damage to your own vehicle.
🔹 Security and peace of mind – With additional coverage, you know you are always well protected.
Proper coverage prevents financial surprises and gives you confidence on the road.
Who is Microcar insurance suitable for?
✔ Young people aged 16 and up – Who are already eligible to drive with an AM license.
✔ Seniors – For whom the Microcar is a safe and comfortable means of transport.
✔ City dwellers – Who choose compact and sustainable transport.
✔ Private individuals and business users – Including entrepreneurs who use a Microcar for their work.
Tips when taking out Microcar insurance
✅ Always choose at least third-party liability insurance – this is mandatory.
✅ Consider third-party liability+ or comprehensive insurance for new or valuable vehicles.
✅ Check whether accessories and charging equipment are included.
✅ Compare premiums and terms – there are significant differences.
✅ Ask about a purchase value scheme , so you get the purchase price back in the event of a total loss or theft.
Insure your Microcar with Finass Verzekert
reliable and affordable insurance for your ? At Finass Verzekert, we instantly compare the best insurers and ensure you benefit from competitive premiums and comprehensive coverage. Whether you choose third-party liability, third-party liability+, or comprehensive coverage, we'll arrange the insurance that's perfect for you.
👉 Request a free quote today and hit the road with your Microcar with peace of mind!
Moped insurance – brands & types
Types
Brands & models
Frequently Asked Questions – Microcar Insurance
Which coverage suits my Microcar: Third-Party Liability, Third-Party Liability+, or Comprehensive Liability?
(WA) covers damage to others. (WA+ adds coverage for theft/fire/window damage, among other things. Comprehensive coverage also covers damage to your own vehicle —often appropriate for a newer or higher-rated Microcar (e.g., M.Go , Dué , Highland ).
Is theft of the Microcar or parts (doors/panels/battery) insured?
With WA+ and Comprehensive coverage , theft is generally covered under the policy terms. Insurers pay particular attention to storage (preferably indoors/locked) and visible security (ART lock/GPS tracker).
How do I insure the battery(ies), charger and charging cable (E-variants)?
Include the traction battery (owned/leased), charger , and charging cable as accessories with the price . Note whether the battery purchased or leased —this clarifies compensation in case of damage or theft.
Are his doors, luggage box and winter set also insured?
Yes, provided they are declared as valuable accessories winter tires ). This prevents underinsurance.
Is damage to windows or plastic panels covered?
Windows/panels are generally covered by WA+ and Comprehensive insurance . Repairs are sometimes possible without a deductible; replacement often comes with a (limited) deductible—this varies by insurer.
Will I get replacement transportation in case of damage or breakdown?
Depending on your policy. Replacement transportation and roadside assistance (e-mobility) are often optional; useful for commuting or everyday use.
Does business use (delivery/promotion) affect the premium?
Yes. Use type (private/business), mileage , and storage are factored into acceptance and premium. Please explicitly indicate delivery/last-mile details.
How do claim-free years and no-claims discount work at Microcar?
In many cases, this can be done, but this varies by insurer. Submit your SVJ statement for the correct discount and clarity in the event of a claim.
Can I take my Microcar abroad?
Often within the countries listed on the Green Card . Check local regulations and permitted use for microcars/mopeds.
What mainly determines my premium?
Current value/model (e.g., M.Go/Highland), postcode area & storage , security (lock/GPS), mileage , and your no-claims years . Accessories/batteries and their corresponding amounts should be included in the policy.
What information do you need for a quick quote?
License plate/model, purchase price, list of accessories + amounts (battery/charger/cable/doors/box/winter set), annual mileage, storage, security, claim-free years and drivers.
Are software modifications or “unlocks” allowed?
Tuning or speed unlocking may limit acceptance or exclude coverage. Please report any changes in advance; we will find a suitable solution.
Please note: exact coverage and terms vary by insurer. We compare and provide personalized .
