Liability
- Injury to pedestrians and cyclists
- Damage to other people's property
- Indoors in shops and buildings as well
- No cover for the vehicle itself
Value · winter · assistance
Mobility scooter insurance for a covered mobility scooter
Anyone who rides a covered mobility scooter all year round has different questions from someone with an open model: about the value, about the cabin and about help if you are stranded on the road.
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- 9.5 customer rating for a new policy
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- Personal 072 - 509 24 56, weekdays 9–17
Deze pagina in het Nederlands: Scootmobielverzekering voor een overdekte scootmobiel.
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 covered mobility scooter is used more often and for longer than an open model, precisely because rain and cold are no obstacle. That means more kilometres, more time in traffic and therefore a greater chance of a loss. In law it remains a disabled person's vehicle: not requiring registration where the design speed is limited, and then outside the insurance obligation of Article 2 of the Dutch Motor Insurance Liability Act (WAM). On faster versions registered as a moped , that obligation does apply, along with the licence requirement that goes with the category.
Because the purchase price of a cabin model is higher, the valuation matters more. Check whether your policy works from the market value or the purchase price in the event of a total loss, and how long such an arrangement runs. If adaptations have been made — an adapted seat, a hoist, extra lights or heating — have them recorded on the policy schedule, because what has not been declared is not paid after a loss.
The third point is being stranded on the road. An enclosed mobility scooter is heavy and does not fit in an ordinary car. Assistance cover that brings you home with the vehicle is therefore of practical importance. Check whether it also applies with a flat battery and whether transport on a trailer is included.
How the cover is built up
A basic cover, an own-damage choice and additions, with an overview by situation beneath them.
Own-damage cover
Third-party, fire and theft covers a fixed list of events; comprehensive also covers damage that is your own fault.
- Theft under the security conditions
- Fire, storm, hail and broken glass
- Your own damage under comprehensive cover
- The basis of valuation: market value or purchase price
Assistance and accidents
Modules you can add separately to the same policy.
- Assistance with a breakdown or a flat battery
- Transport home or to the supplier
- Payment for permanent injury
- Adaptations and accessories declared separately
What is covered
| Situation | Liability | Comprehensive |
|---|---|---|
| Injury to a pedestrian in a collision | Yes | Yes |
| Damage to a parked car while manoeuvring | Yes | Yes |
| Your own damage to the cabin and window after a collision | No | Yes |
| Declared adaptations such as a hoist or heating | No | Provided that |
| Theft from a place that is not locked | No | No |
| Use off-road, on the beach or in the dunes | 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.
Four points that count in practice
Where things go wrong on a covered mobility scooter and how to prevent it.
Record the value and the adaptations
Cabin models are more expensive to buy and are often adapted to measure. Put every fitting on the policy schedule: an adapted seat, a hoist, heating, extra lights or a wheelchair mounting. What has not been declared does not count towards the value after a loss. Also check whether, in the event of a total loss, the insurer works from the market value or from the purchase value, and how long the latter arrangement runs.
Winter use calls for agreements about assistance
Precisely because a covered model keeps you riding in rain and cold, the chance of a breakdown and of a flat battery increases: cold batteries deliver less capacity. An assistance cover makes sure you are collected along with the vehicle. Check whether that cover also applies with a flat battery — some insurers regard that as your own responsibility — and whether transport on a trailer is included.
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, in the dunes or in woodland where the policy gives no cover; taking part in speed or skill trials; and, on a registered faster version, driving without a driving licence valid for that category. Rust, leaks through perished seals, wear, loss of battery capacity and damage through intent or recklessness (Article 7:952 of the Dutch Civil Code) are excluded.
Declaring storage and users correctly
A cabin model is larger and does not fit in every storage room; where it is kept helps determine whether own-damage cover is possible and at what premium. Also state who uses the vehicle on a structural basis, for instance a partner or a carer. On taking out the policy, the duty of disclosure under Article 7:928 of the Dutch Civil Code; if it is breached, the insurer can reduce or refuse the payout (Article 7:930 of the Dutch Civil Code). You report a claim as soon as reasonably possible (Article 7:941 of the Dutch Civil Code).
What does your premium depend on?
- Purchase price and adaptations — the cabin and fittings count
- Version and top speed — a disabled person's vehicle or a moped
- Storage and security — locked space or outdoors
- User details — who rides it on a structural basis
- Chosen additions — assistance and accidents
- Type of cover and excess — liability, third-party, fire and theft, or comprehensive
Insurers weigh these details differently. That is why comparing pays off.
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
The questions we are asked most often about this.
Will I get the purchase price back in the event of a total loss?
Only if your policy provides for it and the arrangement is still running. Many insurers apply a purchase price or replacement-value-as-new scheme for an initial period after purchase and the market value thereafter. On an adapted vehicle it is all the more important that every fitting is on the policy schedule, or they do not count towards the valuation. Ask about the arrangement in writing before you take out the policy.
Is a flat battery on the road covered?
That depends on the assistance cover. Some insurers collect you whatever the reason you have come to a halt, others exclude a flat battery because they see that as your own responsibility. On a covered model this is a relevant point: the vehicle is heavy and does not fit in an ordinary car. Ask expressly what happens with a flat battery and with a puncture.
Do I have to report who else rides it?
Structural use by someone else, for instance a partner or a carer, belongs on the policy. Occasional lending is allowed by most insurers. Hire and business use are practically always excluded. If what has been declared is not correct, the insurer may reduce or refuse payment under Article 7:930 of the Dutch Civil Code.
Does the cover also apply abroad?
The territorial limits are set out in the policy conditions and on mobility scooters are often restricted to the Netherlands or to a number of neighbouring countries. If you take the vehicle on holiday, check both the territory and the cover during transport on a trailer or in a van; the latter is by no means always included. Ask for written confirmation before you leave.
What if the mobility scooter tips over on the pavement?
Damage to your own vehicle comes only under comprehensive cover; third party, fire and theft does not cover your own fault. If someone else is injured in the process or you damage a parked car, that does come under liability cover. Always report the incident to the insurer, even where nothing is agreed on the spot; Article 7:941 of the Dutch Civil Code requires notification as soon as is reasonably possible.
Read more
Within Bromfietsverzekering
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Is your covered mobility scooter properly insured?
Request a quotation without obligation; we check the value, the adaptations and the cover for assistance.
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.
