Third-party liability insurance
- Damage to other vehicles
- Injury to third parties
- Damage to objects
Compare quad, trike and MP3 insurance
Quads, trikes and three-wheelers such as the Piaggio MP3 sit between a car and a motorcycle. That makes acceptance idiosyncratic: not every insurer takes them, and off-road use is excluded practically everywhere.
- 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
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.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
A registered quad, trike or three-wheeler must have third-party liability cover, like any other motor vehicle. Which licence you need depends on the vehicle classification on the registration document.
Alongside third-party liability you can choose third party, fire and theft, or comprehensive cover. The own-damage premium is relatively high, because these vehicles roll over more often and parts are expensive.
Practically all policies exclude off-road use. If you ride away from the public road, on a motocross site or on the beach, that calls for separate cover or cannot be insured at all.
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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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What does quad, trike and MP3 insurance cover?
The structure of the cover in three parts, with an overview per situation below.
Third-party liability + fire and theft
Theft, fire, storm and glass damage to the vehicle itself.
- Theft and attempted theft
- Fire and storm
- Collision with animals
Comprehensive
Roll-over and fall damage through your own fault as well.
- Own fault
- Rolling over
- Vandalism
What is covered
| Situation | Third-party liability | Third-party liability + fire and theft | Comprehensive |
|---|---|---|---|
| Damage to another road user | Yes | Yes | Yes |
| Theft from a locked shed | No | Yes | Yes |
| Fire and storm damage | No | Yes | Yes |
| Rolling over on the public road | No | No | Yes |
| Riding on a motocross site or beach | No | No | No |
| Competitions and speed trials | No | No | No |
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
What does your premium depend on?
- List price and year of manufacture
- Vehicle classification: according to the registration document
- Age and driving experience of the driver
- No-claims years
- Storage and security
- Cover and excess chosen
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.
Look at the registration document first
The vehicle classification determines which licence you need and whether a helmet is compulsory. If you assume wrongly, you ride without entitlement, and cover then falls away.
Off-road use is excluded
A quad that also goes off-road is not covered by an ordinary policy as soon as it leaves the public road. Ask about specific off-road cover.
Limited acceptance
By no means every insurer accepts quads and trikes, certainly not with young riders. Comparing pays off more here than on an ordinary car.
Modifications and accessories
A modified exhaust, different wheels or a tow bar must be reported. Modifications that have not been reported are a reason to refuse payment.
Frequently asked questions
This is what people ask us most.
Which driving licence do I need?
That depends on the classification on the registration document. Some three-wheelers can be ridden on a category B licence, others call for category A. Check this before you take to the road.
Is a helmet compulsory?
On vehicles classified as motorcycles or mopeds, yes. On vehicles with an enclosed cabin or a car classification, no. The registration document is decisive.
May I take my quad off-road?
Not under an ordinary policy. Off-road use is excluded practically everywhere. For that there is separate cover, or you have to turn to a specialist insurer.
Do I build up no-claims years?
Yes, and these can often be transferred to a car or motorcycle. Ask about it when you switch.
Why does not every insurer accept my quad?
These vehicles have an unusual claims pattern and higher repair costs. As a result, only part of the market has a rate for them.
Is an MP3 a scooter or a motorcycle?
In law that depends on the engine capacity and the classification. An MP3 up to 125 cc may be ridden on a category B licence subject to conditions; heavier versions call for category A. Here too the registration document is decisive.
Every situation is different. For these situations we have a separate page.
- Insuring a moped & comparing premiumsThe main page
- Insuring a 200 cc quad200 cc, registration, AM or B licence
- Insuring a 250 cc quad250 cc, registration, B or A licence
- Insuring a 700 cc quad bike700 cc, registration, category A licence
- Insuring a 500 cc quad500 cc, registration, category A licence
- Insuring a 350 cc quad350 cc, registration, B or A licence
- Insuring a quad and trikeCategory, licence, cover
- Cover for quads, trikes and the MP3Third-party, third-party, fire and theft, comprehensive
- Insuring a trikeVehicle category, driving licence, cover
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. Last updated on .
The information on this page is general in nature and is not personal advice.