Third-party liability
- Required by law
- As long as the registration is in your name
- Suspend the registration when not in use
AM licence · premium · no-claims years
Insuring a light quadricycle (brommobiel) at the age of 16
At sixteen you start at the bottom of the no-claims scale, and the question of who the policyholder is determines who takes that record with them later on.
- 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: Brommobiel verzekeren op 16-jarige leeftijd.
Calculate your premium or request a quote
Without obligation; a reply within one working day.
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 your own premium with the calculator.
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
A sixteen-year-old with an AM licence may drive a light quadricycle (brommobiel), but in insurance terms is right at the start. There are no no-claims years, there is no claims record, and the age group you fall into has the highest claims frequency. Insurers deal with that through a higher step at the outset, a compulsory higher excess or a limit on the levels of cover you can choose.
In many families the vehicle is registered in a parent's name and the sixteen-year-old drives it. That is allowed, but the young driver must then be named on the policy as the regular driver. If you name the parent while the child in fact drives every day, that is an incorrect statement within the meaning of Article 7:928 of the Dutch Civil Code; after a loss the insurer may reduce or refuse payment under Article 7:930 of the Dutch Civil Code.
The other side of that arrangement is that the no-claims years accrue to the policyholder. If the policy is in a parent's name, the parent builds up the record and the young driver later starts at zero anyway when taking out your own policy . Discuss this before you sign. What else a light quadricycle policy covers is set out at the general page.
What does insuring a light quadricycle at the age of 16 cover?
The structure of the cover in three parts, with an overview per situation below.
Third-party, fire and theft
Causes beyond your control.
- Fire and storm
- Theft
- Windscreen damage
Comprehensive
Including damage you cause yourself.
- Own fault
- Vandalism
- Replacement-as-new period
What is covered
| Situation | Third-party liability | Third-party, fire and theft | Comprehensive |
|---|---|---|---|
| Damage to the other party | Yes | Yes | Yes |
| Theft | No | Yes | Yes |
| Fire and storm | No | Yes | Yes |
| Damage you cause yourself | No | No | Yes |
| Wear and mechanical defects | No | No | No |
| Driving without a valid licence | 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.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Who is the regular driver
The regular driver is the person who uses the vehicle most often, regardless of whose name is on the registration. That question determines the premium and the cover. If the sixteen-year-old drives to school every day and a parent in their forties is named on the policy, the risk assessment is wrong. Correct it at the outset; notifying a change during the term is always cheaper than a refused claim.
Nought no-claims years and building up from there
You start on the lowest step of the no-claims scale. Every calendar year without an at-fault claim earns you a step; one at-fault claim puts you back several steps. Because you start at the bottom, a single claim in the early years weighs heavily. So with a small dent, always work out whether paying yourself is cheaper than the loss of steps and the premium increase in the years that follow.
Liability of a young person and of the parents
From the age of fourteen a young person is personally liable under Article 6:162 of the Dutch Civil Code for the damage they cause; the special liability of parents under Article 6:169 of the Dutch Civil Code applies to younger children. For traffic damage caused with the light quadricycle, the third-party liability cover on the vehicle is the first port of call. For damage your child causes away from the road, personal liability insurance (AVP) is the appropriate policy.
What is not covered
Outside the cover are: driving without an AM licence, including where a friend takes over for a moment; carrying more occupants than the registration document allows; a derestricted or modified vehicle; driving under the influence, in which case the insurer recovers the amount paid from the driver; use for delivery or for payment without this being declared; and damage caused intentionally or through wilful recklessness, see Article 7:952 of the Dutch Civil Code.
What does your premium depend on?
- Age of the regular driver — Sixteen and seventeen form the most heavily weighted category in almost every rating structure.
- Starting step and no-claims years — You start with no record; some insurers grant a more favourable starting position.
- Who the policyholder is — A policy in a parent's name with the child as driver is rated differently from a policy in your own name.
- Compulsory excess for young drivers — With own-damage cover, an increased excess often applies for as long as the driver is below an age limit.
- Place of residence and storage — The postcode and where the vehicle stands overnight determine the risk of theft and vandalism.
- Type of cover — Comprehensive cover is not always available to young drivers; third-party liability, or third party, fire and theft, is.
Insurers weigh these details differently. That is why comparing pays off.
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.
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
The questions we are asked most often about this.
Can the light quadricycle be registered in my parents' name?
That is common and it is allowed, provided the policy reflects reality. Your parent is then the policyholder and you are named as the regular driver. The premium is calculated on your age, not on your parent's. If you conceal who drives, that gives the insurer grounds under Article 7:930 of the Dutch Civil Code after a loss and you are left with the costs.
Who builds up the no-claims years?
No-claims years are recorded in the name of the policyholder. If the policy is in your parent's name, the record accrues there and you start again at the bottom on a policy of your own. If you want to build up your own record, have the insurance put in your own name as soon as you can. Ask in advance how the insurer records this.
Do these years count later towards car insurance?
As a rule they do. No-claims years built up in your own name can be carried over to a new policy when you take out car insurance. That makes staying claim-free now worth more than it looks. The receiving insurer does, however, decide for itself how many years it takes over and which step you start on.
What if a friend without an AM licence drives for a moment?
There is then no authorised driver and cover for your own damage falls away. The other party does receive compensation under the WAM, but the insurer then recovers that amount from the driver or from you as the policyholder. Even a short drive on a car park counts if the site is open to the public.
Read more
Similar pages
- Insuring a light quadricycle (brommobiel)
- Light quadricycle (brommobiel) insurance: types of cover and the excess
- Insuring a business light quadricycle (brommobiel)
- Insuring a light quadricycle (brommobiel) for deliveries
- Insuring a light quadricycle (brommobiel) through a.s.r.
- Insuring a Biro light quadricycle (brommobiel)
- A business light quadricycle (brommobiel): drivers and employer risk
- Insuring a Citroën Ami
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 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.