Third-party liability insurance
- Damage to other vehicles
- Injury to third parties
- Damage to buildings and objects
- Damage caused by passengers
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.
- 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 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.
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 NH1816?
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 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.
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.
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.
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
Frequently asked questions
This is what people ask us most.
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.
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
- Camper van insurance through NH1816
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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.