NH1816 · compared independently · advice from Finass
Moped insurance through NH1816
On a scooter, theft is the loss reported most often, and it is precisely there that the policy sets requirements for the lock, the keys and the place where the vehicle stands overnight.
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 with a registration. Third-party liability cover is therefore compulsory under Article 2 of the Dutch Motor Insurance Liability Act (WAM), and that obligation continues for as long as the registration is in your name. A scooter that stands in the shed all winter must therefore stay insured or have its registration suspended. At NH1816 you choose between third-party liability, third party, fire and theft, and comprehensive cover.
On a scooter, the choice between those three rarely turns on collision damage and almost always on theft. Third party, fire and theft brings theft, fire and storm damage within the cover; comprehensive cover adds falls of your own making and vandalism. Because the market value of a scooter falls quickly, the point at which own-damage cover is still worthwhile comes sooner than on a car.
We are not tied to NH1816. We set their conditions alongside those of other providers, including Unigarant and a.s.r., and look above all at the theft conditions and the basis of valuation.
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 NH1816'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 NH1816
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 NH1816 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.
The insurance obligation does not stop when the scooter is standing still
For as long as the registration is in your name, the obligation under Article 2 of the Dutch Motor Insurance Liability Act (WAM)applies. If you put the scooter away in the autumn and cancel the insurance without suspending the registration, a fine from the RDW follows, even though no one has ridden it. Suspension is free and you arrange it yourself. We then put the policy on hold temporarily or let it run on without premium.
The lock determines whether theft is paid for
Own-damage cover on a scooter is almost always conditional. Insurers require an approved lock, sometimes with a certificate, and after a theft they ask for both original keys and the proof of purchase of the lock. If the second key is missing or the scooter was left unlocked, the claim is refused. Keep the lock certificate with the registration papers, not in the storage compartment of the scooter itself.
Derestricting is an exclusion, even after the event
A derestricted light moped or moped falls outside the cover, even where the modification was made by a previous owner. A change to the construction also alters the risk you stated when you applied, which touches the duty of disclosure under Article 7:928 of the Dutch Civil Code and its consequences in Article 7:930 of the Dutch Civil Code. If in doubt, have a second-hand scooter checked on a rolling road before you insure it.
Delivery work is business use
If the scooter is used to deliver meals or parcels, that is no longer private use. A private moped policy excludes professional carriage, and that applies even if you only do it a few evenings a week. Delivery work calls for a business version. If you do not report this, you are left empty-handed for your own damage after a collision during a delivery run.
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 registration plate determines the class: blue for the light moped, yellow for the moped. The higher design speed weighs more heavily.
Age of the driver. Young riders form a heavier category. If more than one person rides it, the youngest counts.
Storage location. The postcode area and the question of whether the scooter stands indoors or in the street count towards the theft component of the premium.
Type of cover chosen. Third-party liability, third party, fire and theft, or comprehensive cover. The difference lies mainly in theft, fire and falls of your own making.
Make and type. Some models are demonstrably stolen more often and therefore carry stricter lock or storage requirements.
Claims history. Whether no-claims years built up elsewhere count differs from insurer to insurer. We check that for you in advance.
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.
Is third party, fire and theft still worth it on an older scooter?
That depends on the market value. Third party, fire and theft pays the market value after a theft, not what you once paid. If that value has fallen to an amount you could comfortably bear yourself, third-party liability is usually enough. On a scooter that is only a few years old, theft cover generally outweighs the difference in premium.
My scooter turns out to have been derestricted by the previous owner. What now?
Report it and have the scooter returned to its original design speed. For as long as the modification is in place, there is no cover after a loss, even though you did nothing to it yourself. A modified moped that runs too fast on the rolling road also gives the insurer reason to revisit what was stated on the application.
Will I get the purchase price back after a theft?
As a rule, no. Scooter policies work on market value, and that falls faster than on a car. Some insurers apply a more favourable basis of valuation for a newly bought scooter during the first part of the term. We compare that arrangement expressly, because the difference after a theft is greater than the difference in annual premium.
Is my scooter insured if someone else rides it?
Third-party liability cover follows the vehicle, so damage to others is covered whoever is riding. The condition is that the rider is entitled to ride: without a valid AM licence, or when riding under the influence, cover for your own damage falls away and the insurer may recover the amount paid to third parties from you or from the rider.
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.
