Third-party liability
- Compulsory from registration onwards
- Damage to other vehicles
- Injury to third parties
Compare scooter insurance
A blue or yellow plate determines almost everything: your speed, your premium and, until recently, your helmet requirement. That now applies to both.
- 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 light moped has a blue plate and does no more than 25 km/h; a moped has a yellow plate and may do 45 km/h. For both you need an AM licence and must be at least sixteen. Third-party liability insurance is compulsory as soon as the registration is in your name.
Since 1 January 2023 there has been a helmet requirement for light moped ridersthroughout the Netherlands, for the rider and the passenger. That removed the most popular argument for choosing blue rather than yellow. The helmet must be approved: a moped helmet to ECE 22.05 or 22.06, or a speed pedelec helmet to NTA 8776. An ordinary cycle helmet does not qualify.
That affects your insurance directly. If you have additional cover for accident cover for occupants and the injury is caused in part because no helmet, or no proper helmet, was worn, the insurer may refuse to pay.
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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 scooter insurance cover?
The structure of the cover in three parts, with an overview per situation below.
Third-party, fire and theft
Theft, fire, storm and glass damage to your own scooter.
- Theft with an approved lock
- Fire and storm
- Often a requirement: an ART lock
Comprehensive
Also damage through your own fault and single-vehicle falls.
- Single-vehicle fall
- Vandalism
- Usually up to a certain age
What is covered
| Situation | Third-party liability | Third-party, fire and theft | Comprehensive |
|---|---|---|---|
| Damage to another road user | Yes | Yes | Yes |
| Theft with an approved lock | No | Yes | Yes |
| Fire or storm damage | No | Yes | Yes |
| Falling off with no other party involved | No | No | Yes |
| Injury because no helmet was worn | No | No | No |
| A derestricted scooter that has not been declared | 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
- Type of plate: blue or yellow
- Age of the driver: the most important factor for young riders
- Postcode area: theft statistics
- Storage and security: an ART lock, a shed or a garage
- 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.
Converting from light moped to moped: report it straight away
Now that a helmet has to be worn anyway, many people have their light moped converted to 45 km/h. That is allowed, provided the vehicle is tested by the RDW and receives a yellow plate. But at that moment you are not automatically insured: your policy is on a light moped. Report the change as soon as the yellow plate is known, or you are riding around uninsured on a vehicle that goes faster than the one you are paying a premium for.
Illegal derestricting costs you the whole of your cover
If the scooter is derestricted without testing and without being declared, the vehicle is no longer what is stated on the policy. After a loss the insurer may refuse payment, including for the other party's third-party losses: and it then recovers those from you. The police check this on a rolling road.
No theft cover without an approved lock
Scooters are one of the most stolen vehicle categories. Insurers therefore require an ART-approved lock, often combined with fixed storage. Keep the proof of purchase of the lock and both keys. These are the first things asked for at claim stage.
Note the helmet requirement in personal accident cover for riders
The helmet requirement feeds through into the cover. If you or your passenger wear no approved helmet, or do not wear it properly, and that contributes to the injury, payment under personal accident cover for riders may fall away. A cycle helmet does not count as an approved helmet for this purpose.
Frequently asked questions
This is what people ask us most.
What is the difference between a light moped and a moped?
A light moped has a blue plate and does no more than 25 km/h. A moped has a yellow plate and may do 45 km/h. Both call for an AM licence from the age of sixteen and, since 2023, the same helmet requirement.
Is a helmet compulsory on a light moped?
Yes, since 1 January 2023 throughout the Netherlands, for the rider and the passenger. It must be an approved moped helmet to ECE 22.05 or 22.06, or a speed pedelec helmet to NTA 8776. A cycle helmet does not qualify.
I am having my light moped converted to 45 km/h. What do I need to arrange?
Have the vehicle tested by the RDW for a yellow plate, and report the change to your adviser straight away. You are not automatically covered on the policy for your light moped, so without that change you are riding uninsured.
What happens with illegal derestricting?
The vehicle then differs from what is stated on the policy. The insurer can refuse the payout and recover from you the amount it pays to the other party.
Which lock does the insurer require?
Practically always an ART-approved lock, sometimes combined with fixed storage. Keep the proof of purchase and both keys in case of theft.
Do I build up no-claims years?
With most insurers you do, and they can often be transferred later to a car or motorcycle. Ask about it, because not every company records them.
Every situation is different. For these situations we have a separate page.
- Insuring a moped & comparing premiumsThe main page
- Insuring a MicrocarMicrocar, 45 km/h, AM licence
- Insuring an electric scooter & comparing premiums
- Insuring a light scooter & comparing premiums
- Insuring a Kymco AgilityLight scooter or moped scooter, registration required, helmet compulsory
- Insuring an e-scooterSpecial moped category, registration required, third-party liability compulsory
- Insuring a low-speed scooterBlue plate, cycle path, battery
- Moped insurance through Unigarant
- Insuring a scooterThird-party liability compulsory, theft, derestricting
Read more
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.