Liability
- Injury to pedestrians and cyclists
- Damage to other people's property
- Indoors in shops and buildings as well
- No cover for your own vehicle
Liability · users · assistance
Mobility scooter insurance for an open mobility scooter
On an open mobility scooter the policy turns on three questions: who rides it, where it is kept and what happens if you are stranded on the road.
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Deze pagina in het Nederlands: Scootmobielverzekering voor een open scootmobiel.
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
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
An open mobility scooter is a disabled person's vehicle without a cabin, with a limited design speed. Unlike a motorcycle or moped, this type generally does not require registration and falls outside the insurance obligation of Article 2 of the Dutch Motor Insurance Liability Act (WAM). Anyone who causes damage remains liable all the same under Article 6:162 of the Dutch Civil Code. A collision with a cyclist or injury to a pedestrian can lead to a claim that runs on for years.
The policy names who may use the vehicle. On mobility scooters that is a real point: the vehicle is often lent within the household or used by a carer. If that user is not on the policy while that is in fact the settled position, the insurer can rely on an incorrect statement after a loss. So report it in advance.
Alongside liability and own-damage cover, two additions are useful. Assistance makes sure that after a breakdown or with a flat battery you are brought home with the vehicle. On a mobility scooter that is no luxury, because you cannot simply lift it into a car. A personal accident cover pays an amount for permanent injury or death after an accident with the mobility scooter. Both are optional and are only on the policy if you take them out.
How the cover is built up
A basic cover, an own-damage choice and two additions, with an overview by situation beneath them.
Own-damage cover
Third-party, fire and theft covers a fixed list of events; comprehensive also covers damage that is your own fault.
- Theft under the security conditions
- Fire, storm and hail
- Tipping over and single-vehicle damage under comprehensive cover
- You can choose your own excess
Assistance and accidents
Modules you can add separately to the same policy.
- Assistance with a breakdown or a flat battery
- Transport home or to the supplier
- Payment for permanent injury
- Accessories up to a maximum amount
What is covered
| Situation | Liability | Comprehensive |
|---|---|---|
| Injury to a pedestrian in a collision | Yes | Yes |
| Damage to a shelf in a shop | Yes | Yes |
| Your own damage after tipping over at a kerb | No | Yes |
| Theft from a place that is not locked | No | No |
| Roadside assistance with a flat battery | No | Provided that |
| Damage during use off-road or on the beach | No | No |
What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) that you receive before you take out cover.
Four points that count
Where things go wrong on an open mobility scooter and how to prevent it.
Liability continues, even without a compulsory insurance obligation
The fact that an ordinary mobility scooter falls outside the insurance obligation of Article 2 of the Dutch Motor Insurance Liability Act (WAM) does not mean that you run no risk. Anyone who causes loss to another is liable for it under Article 6:162 of the Dutch Civil Code. Injury losses to a pedestrian or cyclist can run to amounts that a private individual cannot bear. So check whether your personal liability insurance includes disability vehicles. If not, take out a mobility scooter policy with liability cover.
Put the actual users on the policy
A mobility scooter is often used by more than one person: a partner, a member of the household or a carer. The insurer works from the user you stated when you applied. If the vehicle is used by someone else on a structural basis, or if you hire or lend it out regularly, that belongs on the policy. On taking out the policy, the duty of disclosure under Article 7:928 of the Dutch Civil Codeapplies; a breach of it can cause payment to lapse (Article 7:930 of the Dutch Civil Code).
What is not covered
The following, among others, are outside the cover: theft without the prescribed security or from an unlocked place; use off-road, on the beach, in the dunes or in woodland, where the policy gives no cover; taking part in speed and skill events; and, on registered faster versions, driving without a driving licence valid for that category. Wear, gradual loss of battery capacity, damage from incorrect charging and damage through intent or recklessness (Article 7:952 of the Dutch Civil Code) are excluded.
Arrange assistance and transport in advance
If you are stranded on the road with a flat battery or a puncture, an open mobility scooter is difficult to move. So take out assistance cover and check whether it also applies with a flat battery. Some policies regard that as your own responsibility. Also note that damage during transport on a trailer or in a van is not included in every policy. Ask about that before you take the vehicle on holiday.
What does your premium depend on?
- Purchase value and year of manufacture: determines the own-damage premium
- Number and age of the users: who rides it counts
- Storage and security: locked store or outdoors
- Top speed of the model: faster versions weigh more heavily
- Chosen additions: assistance and accidents
- Type of cover and excess: liability, third-party, fire and theft, or comprehensive
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, risk and 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.
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.
Frequently asked questions
This is what people ask us most.
May someone else ride my mobility scooter?
Occasionally that is allowed under most policies, but structural use by someone else should be reported. The insurer has based the premium on the user you stated. If someone else regularly rides it, let us know. Hire and business use are practically always excluded under a private policy.
Am I insured if I ride the mobility scooter into a shop?
Yes, liability cover applies not only on the public road. If you run into a shelf, a door or a display indoors, that damage comes under the cover for damage to third parties. Damage to your own mobility scooter does not come under it; own-damage cover is needed for that. Always report the incident, even where the shopkeeper says at the time that they will let it go.
Does own-damage cover make sense on an open mobility scooter?
That depends on the value and where it is kept. On a recent model with a high purchase price, own-damage cover outweighs the premium, certainly where the vehicle stands in a communal storage room in which theft and vandalism occur. On an older second-hand example with a low market value, liability cover alone is often enough. Reassess it each year.
What happens in an accident in which I am injured myself?
Your own injury does not come under liability cover. That exists for damage to others. If you want to cover it, you take out personal accident cover that pays an amount for permanent injury or death. Medical costs run through your health insurance. In a collision in which someone else is at fault, you can recover your loss from that party.
May I take the mobility scooter on holiday?
Often you may, but check two things. First, whether the policy gives cover in the country you are going to. The territorial limits are set out in the conditions. Second, whether damage during transport on a trailer or in a van is included, because that is by no means always the case. Arrange this before you leave and ask for written confirmation.
Read more
Within Bromfietsverzekering
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Is your open mobility scooter properly insured?
Request a quotation without obligation. We check the users, the storage and the cover for assistance.
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 written and checked by an adviser at Finass Verzekert. Last updated on .
The information on this page is general in nature and is not personal advice.