What is an Open Scooter?
A Open mobility scooter is a mobility scooter without roof or cabin. This is the most common type of mobility scooter in the Netherlands. Open mobility scooters are available with 3 or 4 wheels, in compact, robust or foldable versions. They are often provided via the Wmo (municipality) and are popular because of their maneuverability and lower price.
Open mobility scooters are lighter and cheaper then covered models (such as the Canta or Move). They are ideal for short to medium distances: shopping, visiting family or a ride through the park. Most open mobility scooters are in operation 6-15 km/h with a range of 20-50 km.
Like all mobility scooters, an open mobility scooter must also be used at least third party insurance are. At Finass Verzekert we compare insurance for all open mobility scooters: compact, robust or foldable, 3 or 4 wheels.
Types of Open Mobility Scooters
Open mobility scooters are available in different versions:
Compact
Small, light, agile. Ideal for shops and indoors. Up to 12 km/h.
Robust
Big, powerful, stable. For longer distances and uneven terrain. Up to 15 km/h.
Foldable
Easy to take with you in the car or on public transport. Light, compact. 6-8 km/h.
XXL / Heavy Duty
Extra load capacity (up to 200 kg). Reinforced construction.
3-Wheeler or 4-Wheeler?
Both types can be easily insured for the same premium:
3-Wheeler
- ✓ Very manoeuvrable
- ✓ Small turning circle
- ✓ Ideal for shops
- ✓ More legroom
- ✓ Lighter weight
- ! Less stable on uneven terrain
- ! More risk of tipping when cornering
4-Wheeler
- ✓ Very stable
- ✓ Safe in bends
- ✓ Suitable for uneven terrain
- ✓ Less risk of tipping
- ✓ Sturdier on the road
- ! Larger turning circle
- ! Slightly heavier
💡 Tip: 4-wheeling is often safer
Many manufacturers like Kymco consciously choose 4 wheels because of the extra stability. A 4-wheeler stands more firmly on the road and has less risk of tipping over bumps, bends or uneven terrain. The number of wheels makes no difference to the insurance premium.
What Coverage for Your Open Mobility Scooter?
Choose the coverage that suits the value of your mobility scooter:
WA (Third Party Liability)
From €5-€7 per month- ✓ Damage to others (persons & property)
- ✓ Often no deductible
- ✗ Theft not covered
- ✗ Own damage not covered
- ✗ Fire & vandalism not covered
Suitable for older or Wmo mobility scooters with lower value.
All Risk (Full Casco)
From €15-€17 per month- ✓ Everything from WA+
- ✓ Theft & joyriding
- ✓ Fire & short circuit
- ✓ Own damage due to collision
- ✓ Storm, hail & vandalism
Recommended for new or valuable mobility scooters.
💰 Premium indication Open Mobility Scooter 2025
Affordable premium for open mobility scooters (cheaper than covered):
| Coverage | Per month | Per year |
|---|---|---|
| WA (mandatory) | From €5-€7 | From €60-€84 |
| All Risk (Full Casco) | From €15-€17 | From €180-€204 |
| Accident insurance | + €1.50 | + €18/year |
| Legal Aid Traffic | + €2 | + €24/year |
| Roadside assistance | + €3-€5 | + €36-€60/year |
* No claim-free years, so no premium increase after damage. Premium depends on value, zip code and coverage.
💎 New Value Guarantee First Year
At one new open mobility scooter With All Risk coverage you get full coverage for the first year purchase value reimbursed in the event of theft or total loss (up to a maximum of the insured amount).
After the first year, a depreciation of approx 1.8% per month calculated from the purchase value. However, the payment is never less than the current value.
🏭 Popular Brands Open Mobility Scooters
We insure all A-brand open mobility scooters:
Popular models: Kymco Maxer, Kymco Agility, Kymco Mini LS+, Pride GoGo, Shoprider GK10, Drive Envoy
🧰 Accessories Included in insurance
Accessories are only insured if you use them explicitly specifies at closing:
Specify the total value of accessories. This way you are well insured in the event of theft or damage.
⚠️ Open Mobility Scooter Outside Stables?
An open mobility scooter is exposed to wind and weather. Indoor stables reduces the risk of theft, vandalism and weather damage. Some insurers apply more favorable conditions for adequate storage. Always use one good lock (preferably ART approved) and consider one rain cover for protection.
🏛️ Wmo-Scootmobiel (Municipality)
Most open mobility scooters via the Wmo are 3-wheelers. For loans, the municipality often arranges third party liability insurance. Bee PGB (Personal Budget) you are responsible for yourself.
- → Loan: The municipality often arranges insurance
- → PGB: Take out your own insurance
- → Always check: Ask your municipality
Insurers Open Scootmobiel
We work together with specialized insurers:
💡 Tips for Insuring Open Mobility Scooters
- ✓ New mobility scooter? Choose All Risk for the first year's new value guarantee
- ✓ Older mobility scooter? WA may be sufficient at a low current value
- ✓ Specify accessories: Otherwise it is not insured in the event of theft
- ✓ Inside stables: Reduces the risk of theft and sometimes lower premiums
- ✓ Good lock: ART-approved lock for optimal protection
- ✓ Wmo mobility scooter: Ask the municipality who insures
- ✓ Abroad: Apply for a green card from your insurer
- ✓ No claim-free years: Premium does not increase after damage
📊 Comparison: Open vs. Covered mobility scooter
| Feature | Open mobility scooter | Indoor (Canta/Move) |
|---|---|---|
| Roof/cabin | No | Yes |
| Weight | Light (30-80 kg) | Heavy (200-400 kg) |
| Mobility scooter price | €1,500-€5,000 | €8,000-€20,000 |
| Premium WA | From €5/month | From €10/month |
| Premium All Risk | From €15/month | From €40-€80/month |
| Wmo provision | Very often | Seldom |
| Max. speed | 6-15 km/h | Up to 45 km/h |
