The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert. nl or call 072 - 509 24 56 and we will take it from there.
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
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
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.
Through Finass or direct with Nationale-Nederlanden?
The structure of the cover in three parts, with an overview per situation below.
Third-party liability insurance
Third-party liability insurance is required by law and covers damage you cause to others with your scooter, not damage to your own scooter.
Damage to other vehicles
Injury to third parties
Damage to buildings and objects
Damage caused by passengers
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.
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
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.
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.
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.
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.
