The cover provided by scooter insurance
Three levels of cover, and beneath them a handful of separate sections. Anyone who knows the difference chooses not on price but on what is left after a loss.
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- We compare the offerings of several insurers
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- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
The basis is the third-party liability cover: compulsory under Article 2 of the Dutch Motor Insurance Liability Act (WAM) and intended for the damage you cause to others with the scooter. Damage to a parked car, injury to a cyclist, consequential loss because someone cannot work. What third-party liability cover never does is pay for your own scooter or for your own injury. That distinction is why there are two own-damage versions above it.
Third-party, fire and theft is a exhaustive list: only what it literally lists is covered. That generally means theft and misappropriation, fire and explosion, storm and lightning, glass damage and damage from a collision with a stray animal. What is not on the list matters just as much: a collision for which you are liable yourself, vandalism, and a fall with no other party involved. For those situations there is comprehensive cover, which also covers your own fault.
There are separate sections alongside them. Personal accident cover for riders pays a fixed amount for permanent injury to or the death of the rider or passenger, regardless of who was at fault. Recovery assistance helps you recover your loss from another party; wider cover runs through legal expenses insurance. There are also sections for breakdown assistance, accessories and sometimes helmet and clothing. Which combination makes sense depends on the vehicle; see the scooter insurance hub page.
This page deals with one situation. The full overview is on Compare scooter insurance.
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Get coveredWhy 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.
What to look out for
Four differences that only become visible when a claim is settled.
The basis of the payment
Own-damage cover pays the market value, unless a purchase price scheme applies for the first years. Ask how long that scheme runs, what rate of depreciation applies afterwards, and when a scooter is declared total loss. On a two-wheeler that threshold is low, because repair costs mount up quickly in relation to the residual value.
The excess applies almost exclusively to own-damage cover
There is usually no excess on third-party liability cover. On own-damage claims there is, per event. Some policies have an increased excess for young riders or for glass damage not repaired by an approved repairer. A voluntarily higher excess brings the premium down, but leaves small own-damage claims effectively uninsured.
No-claims years and dropping back
An own-damage claim that the insurer pays costs you steps on the no-claims scale. How many steps, and whether a recovered claim is reversed once the money has been obtained from the other party, differs from company to company. With a small claim it sometimes pays to settle it yourself; ask us for the comparison in advance.
What no level of cover pays
The following remain excluded on every version: wear and tear and mechanical faults such as a seized engine or a broken variator, damage while the scooter is tuned or is being ridden by someone without a valid driving licence, use for hire, instruction or racing, and damage caused by intent or recklessness, in line with Article 7:952 of the Dutch Civil Code.
What does your premium depend on?
- Type of cover chosen: the difference between third-party liability and comprehensive cover is the largest
- Market value of the vehicle: determines the own-damage premium and the maximum payment
- Level of the excess: raising it voluntarily lowers the own-damage premium
- Age of the driver: feeds through into every section
- Postcode of the address where the vehicle is kept: mainly affects the theft element
- Additional sections chosen: riders, roadside assistance, accessories and legal assistance
Insurers weigh these details differently. That is where your saving is.
What the covers mean
| Situation | Extended | Comprehensive |
|---|---|---|
| A fire in the scooter caused by a short circuit in the wiring | Yes | Yes |
| The scooter blows over against a wall and the mudguard cracks | Provided that | Yes |
| Vandals kick the mirrors and windscreen off your parked scooter | No | Yes |
| You ride the scooter into a kerb yourself and damage the suspension | No | Yes |
| Theft of the removable battery you had left indoors on the charger | Provided that | Provided that |
| The engine fills with water after you ride through a flooded underpass | No | Provided that |
With most insurers, storm damage is only paid from wind force seven upwards.
Frequently asked questions
This is what people ask us most.
When should I switch from comprehensive cover to third-party, fire and theft?
As soon as the market value has fallen so far that the payment, after deduction of the excess, no longer justifies the own-damage premium. On scooters that happens sooner than on cars, because depreciation is steep in the first years. Many insurers convert comprehensive cover themselves from a certain vehicle age; check at renewal which form is stated on your policy schedule.
Are my helmet and riding clothing included in the cover?
Not as standard. Some policies have a section for a helmet and clothing, usually only for damage connected with a covered collision and up to a separate maximum, with depreciation based on the age of the items. If that section is not included, damaged equipment after a fall is at your own expense, even on a comprehensive policy.
Does comprehensive cover also cover my own injury?
No. Own-damage cover deals exclusively with the vehicle. For your own injury in a single-vehicle accident you need a personal accident section for riders, or separate personal accident cover. If there was another party liable under Article 6:162 of the Dutch Civil Code, you recover the loss from them. The recovery assistance on the policy helps with that, but pays nothing itself.
What is misappropriation and why is it named separately?
Misappropriation is the failure to return a vehicle you handed over voluntarily, for instance to someone who was going to test-ride or store the scooter. That is not theft within the meaning of the conditions, and on some policies it is excluded or covered only subject to conditions. On a test ride, always keep an identity document and check your conditions to see whether this situation is included in the cover.
Every situation is different. For these situations we have a separate page.
- Insuring a moped & comparing premiumsThe main page
- Insuring a scooter mopedYellow plate, pillion passenger, market value
- Insuring a low-speed scooterBlue plate, cycle path, battery
- Insuring a Kymco AgilityLight scooter or moped scooter, registration required, helmet compulsory
- Insuring a scooterThird-party liability compulsory, theft, derestricting
- Compare scooter insuranceBlue or yellow plate, helmet requirement, derestricting
- The cover provided by motorcycle insuranceThird-party, third-party, fire and theft, comprehensive