Third-party liability
- Damage to other vehicles and injury
- Compulsory under Article 2 of the Dutch Motor Insurance Liability Act (WAM)
- Applies for as long as the registration is not suspended
- No cover for your own vehicle
Third-party · third-party, fire and theft · comprehensive
Cover for quads, trikes and the MP3
A quad, a trike and an MP3 are all three motor vehicles, but they are not all registered in the same category. That determines which covers you can choose and what falls outside them.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
Deze pagina in het Nederlands: Dekkingen voor quad, trike en MP3.
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
The same starting point applies to all three vehicles: a motor vehicle used on the public road comes under the insurance obligation of Article 2 of the Dutch Motor Insurance Liability Act (WAM). Third-party liability is therefore not a choice. What you can choose alongside it is third-party, fire and theft for a fixed list of events, or comprehensive cover for your own damage as well. The differences between the three vehicles lie not in that three-way split, but in the question of how the vehicle is registered.
With a quad that difference is sharpest. A registered road quad can be insured as a motor vehicle for the public road. An unregistered off-road quad may not be used there and is a different product: you insure it not as a road vehicle, but at most against theft, fire and liability during use on your own land, and then only if an insurer offers it. If there is no cover in force and you cause damage on the road all the same, you bear it yourself.
With trike and MP3 what matters is registration as a three-wheeled moped or as a three-wheeled motor vehicle. That category determines the licence requirement, the basis of the premium and which underwriting form is used. So always copy the details from part I of the registration document when you apply.
The three types of cover side by side
What each form does and does not include, with an overview by situation beneath it.
Third-party liability + fire and theft
Alongside third-party liability, a fixed list of events over which you have no influence.
- Theft under the security conditions
- Fire, lightning strike and storm
- Glass damage and damage caused by animals
- Your own fault remains at your own expense
Comprehensive
Also damage to your own vehicle through your own doing or with no other party involved.
- Rolling over, a fall and a single-vehicle collision
- Damage with no known other party
- Often on the basis of an agreed valuation or the purchase price
- You can choose your own excess
What is covered
| Situation | Third-party liability | Comprehensive |
|---|---|---|
| Damage you cause to someone else on the public road | Yes | Yes |
| Injury to a passenger travelling with you | Yes | Yes |
| Theft with the prescribed security in use | No | Yes |
| A quad rolling over on the road with no other party involved | No | Yes |
| Damage during use off-road or on a motocross track | No | No |
| Damage during a race or track training | 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 determine the cover
Where the line runs on these vehicles between insured and not insured.
Road quad or off-road quad: two different products
A registered road quad is a motor vehicle for the public road and comes under the insurance obligation of Article 2 of the Dutch Motor Insurance Liability Act (WAM). A unregistered quad for off-road use may not be used on the public road and is not insured as a road vehicle. For that there is at most limited cover for theft, fire and liability on your own land. Insure the vehicle as it is actually used, or there will be argument about the basis after a loss.
The registration category determines the licence and the premium
Part I of the registration document states whether the vehicle is a moped, a three- or four-wheeled motor vehicle, a motorcycle or a passenger car. That category determines which licence you need, what top speed applies and on what basis the insurer calculates the premium. On quads and trikes the registration regularly differs from what the vehicle appears to be. So never go by its appearance or by the sales advertisement.
What is not covered
The following, among others, are outside the cover: riding without a licence valid for the registration category; races, speed trials and track training, even without timing; use off-road, in the dunes or on a motocross track where the road policy gives no cover; and theft without the prescribed security. Wear, mechanical defects and damage caused by intent or recklessness are also excluded, the latter under Article 7:952 of the Dutch Civil Code.
Passengers, attachments and what you state when taking out the policy
If you carry a passenger, check the permitted number of seats on the registration document; carrying someone in a place not intended for it leads to refusal of an injury claim. Attachments such as winches, snow ploughs, extra lights or a towing device must be declared. On taking out the policy, the duty of disclosure under Article 7:928 of the Dutch Civil Code; breaching it can cause the payout to lapse (Article 7:930 of the Dutch Civil Code). You report a claim as soon as reasonably possible (Article 7:941 of the Dutch Civil Code).
What does your premium depend on?
- Registration category: moped, motor vehicle or car
- List price or agreed valuation: determines the own-damage premium
- Power and engine capacity: a bigger engine, a higher premium
- Use: road only, or off-road as well
- Storage and security: a garage, a lock or a tracker
- Age and no-claims years: these determine your discount step
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.
Can I take out one policy for a quad, a trike and an MP3?
No, a separate insurance runs per registration, because each vehicle has its own category, value and risk profile. You can, however, place the policies with the same insurer and benefit from a package discount. No-claims years built up are not automatically transferable between vehicle types; that differs from company to company and is set out in the premium schedule.
Is third party, fire and theft enough for a quad?
That depends on the value and the use. Third party, fire and theft covers theft, fire, storm and damage caused by wild animals, but not damage you cause yourself. On quads in particular, single-vehicle damage from rolling over or leaving the road is relatively common, and that comes only under comprehensive cover. On a recent and valuable vehicle, comprehensive cover is therefore often the logical choice.
What if my quad has no registration?
The vehicle may then not be used on the public road and ordinary road insurance is not possible. For off-road use there is at most limited cover against theft, fire and liability on your own land, and not every insurer offers it. If you take to the road all the same, you are uninsured; the Waarborgfonds then recovers third-party losses from you.
Are modifications such as a winch or extra lights included in the cover?
Only if you declared them when you applied and they are stated on the policy schedule. Accessories that increase the value or the risk must be reported; attachments that have not been reported are generally not paid after a loss and can affect the cover on the whole vehicle. Ask about the maximum payment for accessories. That is almost always capped.
Does the cover also apply abroad?
The green card states which countries the cover applies in. Third-party liability cover is in force in most European countries, but own-damage cover and roadside assistance may differ. If you use the vehicle on holiday, also note local rules for quads and trikes: some countries have different licence and helmet requirements, and failing to comply with them can affect the cover.
Read more
Within Bromfietsverzekering
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Cover for your quad, trike or MP3?
Request a quote without obligation. We check the registration category, the use and the security requirements.
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.
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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.