Third-party liability insurance
- Damage to other vehicles
- Injury to third parties
- Damage to buildings and objects
- Damage caused by passengers
Moped insurance through Nationale-Nederlanden
On a moped or scooter, most refusals turn on two things: who was riding, and whether the vehicle still runs as it left the factory.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
Work out for yourself what it would cost.
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.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
A moped is a motor vehicle and therefore comes under the insurance obligation of Article 2 of the Dutch Motor Insurance Liability Act (WAM). The proof of insurance is the plate on the back: without valid cover the vehicle may not use the road, not even briefly. Unlike a car, however, a moped is rarely ridden by only one person: brothers, friends and classmates borrow it, and that makes the question of who was riding decisive after a loss.
The second point is derestricting. A modified variator, an altered exhaust or a removed restrictor makes a light moped in effect a different vehicle from the one insured. Insurers exclude damage after a change to the construction almost without exception, and the police establish it within minutes on a rolling road test. Liability for injury to the other party does continue through the WAM, but the insurer recovers it from you.
We compare the moped product from Nationale-Nederlanden with the rest of the market, paying attention to the age limits, the theft conditions and the cover for the rider themselves. If you ride a heavier machine, also look at motorcycle insurance through Nationale-Nederlanden.
Independent, personal, sorted quickly
We compare your moped insurance across dozens of insurers, explain where the real differences lie, and arrange the switch from start to finish — without you having to chase it yourself.
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Through Finass or direct with Nationale-Nederlanden?
The structure of the cover in three parts, with an overview per situation below.
Third-party liability + fire and theft
Alongside third-party liability cover, protection against damage to your own car from external causes you cannot prevent.
- Fire and storm damage
- Theft and burglary
- Windscreen breakage and glass damage
- Collision with animals
Comprehensive insurance
The most complete cover, including for damage you cause yourself, theft and total loss. We compare Nationale-Nederlanden's comprehensive version with the market.
- Hail damage
- Damage through your own fault
- Vandalism
- Unknown party at fault
What is covered
| What we do | At Finass | Direct with Ansvar |
|---|---|---|
| Comparison across several insurers | Yes | No |
| Advice based on your own situation | Yes | Provided it is declared |
| One point of contact for claims | Yes | Provided it is declared |
| Cancellation with your current insurer arranged | Yes | No |
| We determine whether Ansvar is the best choice | Yes | No |
| Advice fees for you as a customer | No | No |
What we do
| What we do | At Finass | Direct with Nationale |
|---|---|---|
| Comparison across several insurers | Yes | No |
| Advice based on your own situation | Yes | Sometimes |
| One point of contact for claims | Yes | Sometimes |
| Cancellation with your current insurer arranged | Yes | No |
| We determine whether Nationale is the best choice | Yes | No |
| Advice fees for you as a customer | No | No |
This overview concerns our service, not the cover. What is actually covered is set out in the policy conditions and on the insurer's insurance card (verzekeringskaart); you receive both before you take out cover.
What does your premium depend on?
- Light moped or moped. The design speed and the registration plate that goes with it determine which category the vehicle falls into.
- Age of the driver. Young riders weigh heavily. Some policies set a minimum age for own-damage cover.
- Postcode of the storage place. The theft risk differs sharply by area and on mopeds is a large component of the premium.
- Security and storage. An approved lock and a locked shed or storage room bring the theft component down.
- Type of cover chosen. Third-party liability only, or with third party, fire and theft added for fire and theft, or full comprehensive cover.
- Additional cover for riders. Accident or indemnity cover for occupants is a separate section with its own premium.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, your risk and your 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.
Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
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.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Who may ride it
The policy names a regular rider and often a minimum age. If someone else rides it on a structural basis, for instance a younger family member, the actual use departs from the application. That touches the duty of disclosure under Article 7:928 of the Dutch Civil Code. If someone rides without a valid moped certificate, there is generally no cover for damage to the vehicle and the insurer recovers the other party's injury losses.
Derestricting ends own-damage cover
A modified variator, a different cylinder or a removed restrictor counts as a change to the construction. The conditions then exclude the damage, regardless of whether speed played any part at the time of the collision. Riding without a helmet where one is compulsory can also reduce payment for injury. If you buy second-hand, have it checked whether the drive train has been tampered with.
Theft and the lock
Mopeds often disappear from a communal storage room or from the street. Insurers therefore require an approved lock and sometimes a fixed storage place. If the vehicle is stolen while it was not locked or while the key was in it, refusal follows. Keep both keys and the proof of purchase. After a theft you must be able to produce them before a claim is taken up.
Your own injury falls outside the third-party liability cover
The compulsory insurance pays only for the losses of others. If you come off yourself, nothing is arranged without additional cover, while it is precisely on scooters that single-vehicle falls are common. Personal accident cover for riders or accident cover for riders fills that gap. In doing so, check whether a pillion passenger is included and whether cover applies when riding without a helmet.
Replacement transport after a claim
Replacement transport after a claim Stay mobile with replacement transport.
Breakdown assistance
Frequently asked questions
This is what people ask us most.
Is moped insurance compulsory?
Yes. A moped is a motor vehicle and comes under the insurance obligation of the WAM. That applies even where the vehicle is standing still on the public road. If you ride uninsured, a fine follows and you bear the other party's injury losses yourself. If you do not want to ride for a while, suspending the registration is the route to take.
What happens if my scooter has been tuned?
Cover for damage to the vehicle itself then generally falls away. Liability towards the other party continues to exist through the WAM, but the insurer can recover the amount paid from you. With injury claims that mounts up. This remains your risk when buying a second-hand scooter too, so have the drive train checked in advance.
May my child ride my scooter?
Only with a valid moped certificate and within the age limits the policy states. If a younger rider uses it on a structural basis, declare that person as the regular rider. If it turns out after a collision that the actual use departed from what was declared, the insurer may reduce or refuse payment because of incorrect information given when the policy was taken out.
Is theft included in the cover?
Only with third party, fire and theft, or comprehensive cover, and subject to the lock requirements the policy sets. An approved lock and sometimes a fixed storage place are a condition. If that is missing or the key was in the ignition, the claim is refused. Always report it to the police straight away and keep both keys and the purchase invoice, because these are asked for at claim stage.
Every situation is different. For these situations we have a separate page.
- Insuring a moped & comparing premiumsThe main page
- Moped insurance through Unigarant
- Delivery moped insurance through Vereende
- Insuring an electric scooter & comparing premiums
- Insuring a mobility scooter and SegwayLiability, category, theft
- Insuring a scooterThird-party liability compulsory, theft, derestricting
- Insuring a light scooter & comparing premiums
Read more
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Ready to compare?
Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
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 compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.