Insuring a moped car at 16 – Everything you need to know
Insuring a moped car at 16 – Everything you need to know
Do you want to hit the road independently in a moped car at 16? Then good moped mandatory. In the Netherlands, you must have at least third-party liability insurance for every vehicle on public roads. But which insurance is best for you as a 16-year-old, and what should you pay attention to?
Are you allowed to drive a moped car when you are 16?
Yes! With a driver's license , you can drive a moped car from the age of 16. These vehicles are ideal for young people who don't yet have a car license but want to drive independently. Note: a moped car has a maximum speed of 45 km/h and falls into the light vehicle .
Brommobiel -insurance We compare ( Finass insures ) with the best insurers, get the best and cheapest premium of us for the moped car insurance
Types of moped insurance for 16-year-olds
Just like with cars, you can choose from three types of insurance:
WA (Third Party Liability)
Mandatory in the Netherlands
Covers damage you cause to others
Most chosen by 16-year-olds
Third party liability + Limited Casco
Third-party liability coverage + damage caused by fire, storm, theft, or glass breakage
Good middle ground between cheap and extensive
Third party liability + fully comprehensive (all-risk)
Also covers damage to your own moped car, even if it is your fault
Recommended for a new or expensive moped car
How much does moped insurance cost when you're 16?
The premium depends on:
Your age (younger drivers often pay more)
Type and value of the moped car
Postal code area
Claim-free years (usually still 0 at the age of 16)
On average, the premium ranges from €20 to €60 per month . Third-party liability insurance is the cheapest, comprehensive insurance the most expensive.
Tips for insuring a moped car cheaper as a 16-year-old
Compare insurers : Premiums vary greatly from company to company.
Higher deductible : The higher your deductible, the lower the premium.
Choose an older moped car : Older models are often cheaper to insure.
Transfer the insurance to a parent (if permitted and in consultation with the insurer) – this can reduce the premium, but be aware that you will not accrue any claim-free years yourself.
Conclusion: How to quickly arrange a moped insurance policy at the age of 16
Do you want to drive safely and legally at 16 ? Make sure you:
You have a driver's license
Take out at least third-party liability insurance
Compare premiums to find the best deal
This way you can hit the road with your moped car without any worries.
Compare moped insurance policies for free now and discover the cheapest option for 16-year-olds within 2 minutes.