Insuring a scooter moped
The yellow plate makes your scooter a moped. That determines where you ride, how fast you may go and why your premium is higher than that of a light scooter.
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In brief
A moped scooter has a a private registration, a design speed of up to 45 kilometres per hour and falls within the moped category. You ride on the carriageway where there is no moped path, wear an approved helmet and hold at least an AM licence. For the insurance, what counts above all is that a higher speed goes with more serious collisions. The premium is therefore higher than that of a light scooter. Third-party liability cover is compulsory under Article 2 of the Dutch Motor Insurance Liability Act (WAM) and covers only the damage you cause to others.
Above that you choose third-party, fire and theft or comprehensive cover. On a moped scooter that choice is almost always a calculation involving the market value. Scooters depreciate quickly in the first years. If, after depreciation and the excess, little is left to set against the own-damage premium, third party, fire and theft for theft and fire is often the wiser choice. The levels of cover are set out at the cover under scooter insurance.
A moped scooter is stolen more often than average, and insurers therefore tie theft cover to concrete requirements. Think of an approved lock of the prescribed class, securing it to a fixed object, and handing in all keys with a claim. Stricter requirements apply to sought-after models; see for instance insuring a Vespa or insuring a Kymco Agility.
This page deals with one situation. The full overview is on Compare scooter insurance.
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What to look out for
Four points that apply specifically to a moped scooter.
The registration plate determines the regime
Yellow means moped: the carriageway, a helmet, an AM licence and a higher risk class. If you have the scooter restricted and the registration changed to a light moped, the policy changes too. The reverse also applies: if you ride faster than the category allows, the vehicle is no longer what is insured and own-damage cover falls away.
The passenger on the back
On a moped you may carry a passenger if the vehicle is equipped for one. If that passenger is injured through your doing, that comes under the third-party liability cover: as far as you are concerned, they are a third party. Your own injury falls outside it. If you want to cover that, a section for accident cover for occupants or a family personal accident insurance needed.
Own-damage cover has a shelf life
Many companies offer comprehensive cover only up to a certain vehicle age and then automatically convert the policy to third party, fire and theft, or third-party liability. That happens at renewal and easily passes unnoticed. Check your policy schedule each year, so that you are not paying for cover that has lapsed or, conversely, riding unexpectedly without own-damage cover.
What is not insured
In any event, the following remain outside the cover: damage while the scooter is tuned, damage caused by a rider without a valid driving licence or under the influence, use for delivery or hiring out that has not been reported, and mechanical defects and wear such as a burnt-out engine or a worn variator. Intent is also excluded, in line with Article 7:952 of the Dutch Civil Code.
What does your premium depend on?
- Age of the driver: the heaviest factor on mopeds
- Postcode area: theft and collision figures differ from one local authority to another
- Make, model and replacement value as new: popular models are more prone to theft
- Type of cover chosen: third-party liability, third-party, fire and theft, or comprehensive
- Excess: usually applies only to own-damage claims
- No-claims years: built up on the two-wheeler policy itself
Insurers weigh these details differently. That is where your saving is.
What is covered on a moped scooter
| Situation | Third-party liability | Comprehensive |
|---|---|---|
| Your pillion passenger breaks a wrist in a fall you cause | Yes | Yes |
| The scooter is stolen from the cycle store after the lock is broken open | No | Yes |
| You run into a car door being opened and bend your own front fork | No | Yes |
| The battery charger overheats and causes a fire in your shed | No | Provided that |
| An investigation shows that the moped scooter has been derestricted to above 45 kilometres per hour | No | No |
| Your sixteen-year-old son rides without an AM licence and damages the scooter | No | No |
A yellow plate means a helmet is compulsory; riding without one generally costs you part of the payment in the event of injury.
Frequently asked questions
This is what people ask us most.
Why is a moped scooter more expensive to insure than a light scooter?
Because the chance of injury is greater. At 45 kilometres per hour the impact of a collision is more severe than at 25, and a moped rides among the cars on the carriageway more often. Insurers see that reflected both in the number of claims and in their size. The theft component differs less. That depends mainly on the model and the postcode.
Which driving licence do I need?
A moped calls for an AM licence, with a minimum age of sixteen; anyone holding a valid car licence may also ride one. If someone rides without a valid licence, the victim is still paid because the WAM requires it, but the insurer may recover that amount and own-damage cover falls away.
Is my scooter insured if someone else rides it?
Third-party liability cover follows the vehicle, so an occasional rider is covered as long as they meet the age and licence requirements. If a member of your household uses the scooter more often than you do, that person belongs on the application form as the regular rider. Some policies also carry a young rider clause with an increased excess.
What should I do if my moped scooter is stolen?
Report it to the police straight away with the frame number and the registration, notify the insurer and hand in the keys. Notification must be made as soon as you know. That follows from Article 7:941 of the Dutch Civil Code. Insurers then apply a waiting period of several weeks before paying, because some stolen vehicles are recovered. Do not forget to have the vehicle recorded as stolen.
Every situation is different. For these situations we have a separate page.
- Insuring a moped & comparing premiumsThe main page
- Insuring a low-speed scooterBlue plate, cycle path, battery
- Insuring a Kymco AgilityLight scooter or moped scooter, registration required, helmet compulsory
- The cover provided by scooter insuranceThird-party, third-party, fire and theft, comprehensive
- Compare scooter insuranceBlue or yellow plate, helmet requirement, derestricting
- Insuring a VespaPressed steel frame, high residual value, prone to theft
- Insuring a scooterThird-party liability compulsory, theft, derestricting