Insuring a moped car from the age of 16 – Everything you need to know
Are you 16 and want to get on the road in a moped? Good news: with an AM driving license, you can drive a moped from age 16. However, before you can hit the road, you're moped insurance . This insurance protects you and others in the event of damage and can be expanded with additional coverage for greater peace of mind.
Quick start
- Provisional coverage possible
- personal advice
- Response within 1 working day
Insuring a moped car from the age of 16 – Everything you need to know
Are you 16 and want to get on the road in a moped? Good news: with an AM driving license, you can drive a moped from age 16. However, before you can hit the road, you're moped insurance . This insurance protects you and others in the event of damage and can be expanded with additional coverage for greater peace of mind.
Quick start
- Provisional coverage possible
- personal advice
- Response within 1 working day
Which moped insurance is suitable for 16 year olds?
Even if you are young, there are several insurance options available for a moped car:
✔ Third-Party Liability Insurance (WA) – Mandatory for everyone. This insures you for damage you cause to others.
✔ Third-Party Liability + Limited Casco – Extra coverage against damage caused by fire, storm, theft, or glass breakage, among other things.
✔ Fully Comprehensive – The most comprehensive coverage. Also covers damage to your own moped car, even in an accident you cause yourself.
✔ Passenger Insurance – Protects driver and passenger in the event of injury or property damage.
✔ Traffic Legal Expenses Insurance – For legal assistance in the event of a dispute or claim for damages.
compare Moped insurance with all insurers, so you get the best and most competitive premium Moped insurance
Why moped insurance is important from the age of 16
🔹 Legally required – You are not allowed to drive without third-party liability insurance.
🔹 Protection for expensive damages – Damage to others can be very expensive.
🔹 Protect your own moped car too – With WA+ or Allrisk, you don't have to pay the costs yourself.
🔹 Extra security for young drivers – Useful in unexpected situations or accidents.
Good insurance is extra important for young drivers, because the risk of damage is often higher.
Who is suitable for a moped insurance policy from the age of 16?
✔ Young people aged 16 and up with an AM driver's license who want to drive independently.
✔ Parents buying a moped car for their child and want certainty about coverage.
✔ City dwellers looking for a safe alternative to a scooter or bicycle.
✔ Students and pupils who want to get from A to B quickly and safely.
Tips for young people who want to insure a moped car
✅ Always take out at least third-party liability insurance – this is mandatory.
✅ When buying a new moped car, choose WA+ or Comprehensive insurance for optimal coverage.
✅ Compare multiple insurers, as premiums vary significantly for young people.
✅ Consider passenger insurance for extra protection.
✅ Look into the purchase value – useful for new vehicles.
Insuring a moped car for those 16 years old? Finass Verzekert will take care of it!
Looking for affordable insurance for your moped car as a 16-year-old ? At Finass Verzekert , we instantly compare the best insurers and find the perfect policy for you. This way, you can hit the road worry-free and benefit from a competitive premium and comprehensive coverage.
👉 Request a free quote today and get into your moped car with peace of mind!
Moped insurance – brands, types & insurers
Types
Brands & models
Insurers (via Finass)
Frequently asked questions – Moped car insurance (16 years)
Can a 16-year-old insure a moped car themselves?
In practice, the policy is often held in the name of a parent/guardian, with the 16-year-old as the regular driver . This varies by insurer; we arrange the correct structure and registration.
Which coverage is sensible for starters: WA, WA+ or Allrisk?
(WA) covers damage to others. (WA+) adds coverage for theft/fire/window damage things. Comprehensive coverage also covers damage to your own vehicle and is often a good choice for a newer or higher-valued moped car.
Is there a younger driver surcharge or higher deductible?
Yes, that 's possible . Some insurers charge a surcharge or apply an additional deductible for young drivers. We'll find the best match based on price and terms.
What about building up claim-free years as a 16-year-old?
The accumulation and registration of claim-free years varies by insurer and policy structure. Where possible, we ensure correct registration for the driver who needs it later.
Are your battery(ies), charger and charging cable also insured?
Include these as accessories with the amount . This way, in case of damage or theft, it's clear what will be reimbursed. Also note whether the battery was purchased or leased .
What security is recommended for a 16-year-old driver?
At least an ART-approved lock , preferably indoor /locked . In some areas, a GPS tracker improve acceptance and premiums.
Will my child receive replacement transportation in the event of damage or a breakdown?
Only if this is included in the insurance. Replacement transportation and roadside assistance (e-mobility) are often optional; useful for school/work.
Is business/delivery covered by a 16 year old standard?
Usually not. Business use (delivery/promotion) must be explicitly stated and assessed. We advise you on the possibilities.
Is driving across the border allowed (Belgium/Germany)?
Coverage is often available within the countries listed on the green card . However, be sure to check the permitted use and local regulations for microcars.
What mainly determines the premium for 16-year-olds?
Value/model , postal code region & storage , security (lock/GPS), mileage , and driver situation (experience/damage history).
What documents do we need for a quick application?
Parent/guardian and driver details, license plate/model, purchase price, list of accessories + amounts (battery/charger/cable/doors/box), annual mileage, storage and any claim-free years .
What if the moped car is later transferred to the 18-year-old driver?
We help with transferring the policy or adjusting the main driver, so that the accrual and conditions are continued properly.
Please note: exact coverage, acceptance, and terms vary by insurer. We compare and arrange this for you on a customized basis .
Insure your moped car with Finass Verzekert
Insure your moped car with Finass Verzekert, offering personalized advice. We compare the best options from asr , Klaverblad , and Unigarant , so you can choose the right coverage for every situation: general moped insurance , business moped insurance , moped insurance for those aged 16 and over, and electric moped insurance .
We assist drivers of all popular makes and models daily: Citroën Ami , Birò , Opel Rocks-e , and Fiat Topolino ; as well as classic moped brands like Ligier (JS50/JS60/Myli), Aixam (City/Coupé/Crossline), and Microcar (M.Go/Duè/Highland). We ensure the correct coverage (third-party liability, third-party liability+, or comprehensive), claim-free years, and accessories such as doors/hood, luggage box, and winter set; and for battery (owned or leased), charger, and charging cable. For business use, we carefully coordinate acceptance requirements (storage, ART lock/GPS) and options such as replacement transportation and roadside assistance.
