What is a Covered Mobility Scooter?
Eand Covered mobility scooter is a mobility scooter with a fully enclosed cabin, including roof, doors and windows. Also yes closed mobility scooter named. Well-known examples are the Canta (no longer in production), Move E4, MoveE3, TTZ Electric and For Motion Dike.
The big advantage is that you are protected against wind and weather. You stay dry in rain, warm in winter and cool in summer (many models have heating and air conditioning). Covered mobility scooters run up to 45 km/h and have a range of 50-100km.
If disabled vehicle is a covered mobility scooter driver's license free for people with mobility limitations. You may ride on sidewalks, cycle paths and roadways. There is no road tax. Well there is one Third party insurance mandatory.
Features Covered Mobility Scooter
Closed Cabin
Roof, doors & windows
Up to 45 km/h
Fast models
50-100 km Range
Lithium batteries
driver's license free
With limitation
No road tax
disabled vehicle
Sidewalk, Cycle Path, Roadway
Flexible driving
Heating/air conditioning
Comfortable
Luxury Options
Camera, bluetooth
Popular Covered Mobility Scooters
Well-known brands and models that we insure:
Canta
The original. No longer in production, but still widely used. Second-hand often available.
Move E4
Modern alternative. Car steering wheel, heating, camera, Bluetooth. 2 persons.
MoveE3
Tricycle version. Agile, sporty design. Scooter handlebars.
TTZ Electric
Budget alternative to Canta. 1.0 and 2.0 models. From €7,450
For Motion Dike
Mini SUV look. Jeep style, LED headlights, 100 Ah lithium battery.
Move Vigorous 8
Range Rover looks. 12" sportvelgen, Camera, bluetooth, elektrische ramen.
What Coverage for Indoor Mobility Scooter?
Choose the coverage that suits the value of your vehicle (often €8,000-€20,000):
WA (Third Party Liability)
From €10-€15 per month- ✓ Damage to others (persons & property)
- ✓ Legally required
- ✗ Theft not covered
- ✗ Own damage not covered
- ✗ Fire & vandalism not covered
Only suitable for old vehicles with a low current value.
All Risk (Full Casco)
From €40-€80 per month- ✓ Everything from WA+
- ✓ Theft & joyriding
- ✓ Fire, short circuit & lightning
- ✓ Collision (also your own fault)
- ✓ Vandalism, storm & hail
- ✓ Window damage
Highly recommended at value €8,000-€20,000.
💰 Premium indication for a covered mobility scooter 2025
Premiums are higher than open mobility scooters due to higher value and speed:
| Coverage | Per month | Per year |
|---|---|---|
| WA (mandatory) | €10-€15 | €120-€180 |
| All Risk (Full Casco) | €40-€80 | €480-€960 |
| Accident insurance | + €1.50 | + €18/year |
| Legal Aid Traffic | + €2 | + €24/year |
| Roadside assistance (at Casco) | Included | — |
* Premium depending on value (€8,000-€20,000), speed (25/45 km/h), zip code and security. At 45 km/h often a higher deductible.
⚠️ Acceptance: Mobility limitation Often Required
Many insurers accept covered mobility scooters only for drivers with a demonstrable mobility limitation. This is because covered mobility scooters are classified as disabled vehicles.
- → With limitation: No problems, often lower premium
- → Without limitation: Fewer providers, higher premiums, customization required
- → Under 24 years without limitation: Very limited options, often higher deductible (€750)
🔄 Canta/Move vs. Biro: Important Difference!
🚗 Canta / Move (Scooter)
- ✓ Disabled vehicle
- ✓ Driver's license free (with restriction)
- ✓ Allowed on sidewalks, cycle paths and roadways
- ✓ No road tax
- ✓ No license plate (RDW)
- ✓ Sidewalk parking allowed
- ✓ Insurance easier with limitation
🚙 Biro (Moped car)
- ✗ Moped car (L6e category)
- ✗ AM or B driving license required
- ✗ Only on roadway
- ✗ Road tax
- ✗ License plate required
- ✗ Sidewalk parking not allowed
- ✗ Other insurance (moped car)
⚡ Deductible Higher at 45 km/h
For fast covered mobility scooters (25-45 km/h), insurers often use a higher deductible for airframe damage than with slower models. This is due to the higher risk of damage at higher speeds.
- → 6-15 km/h: Deductible approximately €75-€100
- → 25-45 km/h: Deductible approximately €150-€250
- → Under 24 years: Sometimes €750 deductible
🔒 Security & Storage
Insurers often impose requirements on the security and storage of covered mobility scooters:
- → ART slot: ART approved lock often required or recommended
- → Indoor storage: Indoor stables reduce the risk of theft and can lower premiums
- → Alarm/GPS: Some models have built-in alarm or GPS tracking
- → Documentation: Keep proof of purchase, accessories list and photos
Insurers Covered Mobility Scooter
We work together with specialized insurers:
NB: ENRA only accepts drivers with a demonstrable disability. Without limitation, there are fewer providers available.
📋 Additional Coverage
- → Accident insurance: €3,000 in the event of death, max €30,000 permanent disability, €350 clothing/luggage. Premium approximately €18/year
- → Legal Aid Traffic: Legal assistance in recovering damages from the other party. Premium approximately €24/year
- → Roadside assistance: Comprehensive coverage is often included (ENRA). Otherwise, additional closing
- → Accessories: Specify at closing for correct coverage
💡 Tips for Insuring Covered Scooter
- ✓ All Risk recommended: For a value of €8,000+, All Risk is sensible
- ✓ Specify accessories: Specify heating, camera, seat heating separately
- ✓ Passing speed: 25 km/h vs 45 km/h affects premium and deductible
- ✓ Indoor storage: Reduces the risk of theft and can lower premiums
- ✓ ART slot: Invest in a good lock, sometimes required for coverage
- ✓ Mobility limitation: In case of limitation, more providers and often lower premiums
- ✓ Green card: Apply for travel abroad
- ✓ No claim-free years: Premium does not increase after damage
📊 Comparison: Covered vs. Open mobility scooter
| Feature | Covered mobility scooter | Open mobility scooter |
|---|---|---|
| Roof/cabin | Yes (completely closed) | No |
| Protection again | Complete | Geand |
| Max. speed | Up to 45 km/h | 6-15 km/h |
| Weight | 200-400kg | 30-80kg |
| Vehicle price | €8,000-€20,000 | €1,500-€5,000 |
| Premium WA | €10-€15/month | €5-€7/month |
| Premium All Risk | €40-€80/month | €15-€17/month |
| Wmo provision | Seldom | Very often |
| Heating/air conditioning | Often standard | N/A |
