Third-party liability
- Damage to other vehicles and injury
- No cover for your own scooter
- Compulsory under Article 2 of the Dutch Motor Insurance Liability Act (WAM)
- Does not cover your professional indemnity
Business use · registration required · declaring delivery
Insuring a scooter as a self-employed professional (zzp'er)
If you use your scooter for work, the purpose of use matters more than the make. A private policy does not automatically cover delivery or customer visits.
- 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: Scooter verzekeren als zzp'er.
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 activities
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
A scooter is a motor vehicle, so the the insurance requirement in Article 2 WAM: third-party liability cover is compulsory for as long as the registration is in your name, including during a quiet period. For damage to the scooter itself, third-party, fire and theft or comprehensive cover is needed. Whether you ride a light moped (restricted to 25 kilometres per hour) or a moped (45 kilometres per hour), in both cases a compulsory helmet applies and from the age of sixteen it is enough to hold an category AM driving licence.
The point where things go wrong for self-employed professionals is the purpose of use. Insurers distinguish between private use, commuting and business use, and treat deliveries as a category of its own. Anyone delivering meals, parcels or samples without reporting it risks refusal after a loss because of a concealed increase in risk. So state exactly what you ride for and have it recorded on the policy. The premium is higher, but the cover stands.
A scooter policy also does not cover your liability as a business. If you damage an order on the way or break something at a customer's premises, that comes under public and employers' liability insurance, not under the third-party liability cover on the vehicle. Your own injury is not covered either: as a self-employed professional you have no employer insuring you, so you arrange that yourself through personal accident or disability cover.
Which cover suits business use of a scooter?
Three levels of cover, with the situations that arise most often in use for work set out beneath them.
Third-party liability + fire and theft
On top of that to third-party liability, a fixed list of events, with theft as the main element.
- Theft provided the ART lock was used
- Fire, storm and hail damage
- Damage from a collision with an animal
- Your own fault remains at your own expense
Comprehensive
Also damage to your own scooter through your own doing or with no other party involved.
- Falling over, skidding and fall damage
- Vandalism and damage without a third party involved
- Back on the road sooner after a loss
- You can choose your own excess
What is covered
| Situation | Third-party liability | Comprehensive |
|---|---|---|
| Damage you cause to someone else on the way | Yes | Yes |
| Theft while the prescribed ART lock was used | No | Yes |
| Damage from a fall during a declared delivery run | No | Provided that |
| Delivery work that has not been reported to the insurer | No | No |
| Tools or orders in the top box | No | Provided that |
| Your own injury as a self-employed person | 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.
What makes the difference in business use
Four points that work differently on a private scooter policy from a business one.
The purpose of use determines the cover
Practically every scooter policy states what the vehicle may be used for. Private use and commuting is standard; delivery, courier services and hire fall outside it unless they have been expressly included. The difference is no formality: delivery riders cover more kilometres, more often at rush hour and under time pressure, which increases the chance of a claim. Have the policy or the policy schedule state literally which use has been accepted.
Your own injury falls outside the scooter policy
Third-party liability cover protects the other party, not you. If a single-vehicle accident leaves you unfit for work, as a self-employed professional there is no continued payment of wages and no employer who is liable. Anyone riding without disability insurance or personal accident cover carries that risk entirely themselves. Riders' cover or accident cover for occupants fills part of the gap, but does not replace an AOV.
What is not covered
The following, among others, are outside the cover: tuning up the engine or a modified construction; driving without the required licence category or under the influence; theft without the prescribed ART lock; and damage while hired out or during delivery work if that use has not been reported. The goods carried are also not covered under the scooter policy, any more than wear, mechanical defects and damage through intent or recklessness (Article 7:952 of the Dutch Civil Code).
Report at the start and when something changes
On taking out the policy, the duty of disclosure applies under Article 7:928 of the Dutch Civil Code. If you start delivering, take on a second rider or start keeping the scooter in the street rather than in a garage, let us know. If you conceal it, the insurer may reduce or refuse payment (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?
- Purpose of use: delivery weighs the most heavily
- Number of kilometres per year: more kilometres, higher premium
- Version and engine capacity: light moped, moped or heavier
- Age and experience of the riders: young drivers weigh heavily
- Storage and security: theft risk by area
- Type of cover and excess: third-party liability, third-party, fire and theft, or comprehensive
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.
May I deliver on a private scooter policy?
As a rule, no. Delivery and courier work are listed as excluded use on practically every private policy. If you make delivery runs anyway, the insurer may refuse payment after a loss and cancel the policy. Report the purpose of use in advance. There are insurers that accept delivery at an adjusted premium or with a higher excess.
Should I register the scooter in the business name or privately?
That is mainly a tax choice and does not change the insurance obligation. It does determine which policy is appropriate: with a vehicle owned by the business, a business policy with a business purpose of use is the obvious choice. More important than the registration is that the actual use is stated on the policy. Discuss the tax side with your accountant.
Are the items I carry included in the cover?
Not under the scooter policy. Tools, samples and orders in the top box fall outside it. Separate cover is needed for those, for instance for tools and business contents or goods-in-transit insurance for carriage of your own goods. Note the forced-entry requirement: theft from an unlocked box or without signs of forced entry is practically never paid.
What if I let someone else ride my scooter?
Third-party liability cover follows the vehicle, so damage to someone else is generally covered. For own-damage cover the position is different: if someone rides without the required licence category or below an age limit stated on the policy, the damage to your own scooter may be refused. Have an employee or regular stand-in registered as a rider in advance.
Does my scooter policy also cover my liability as a business?
No. Third-party liability cover applies only to damage caused with or by the vehicle. If you break something at a customer's premises, deliver to the wrong place or cause loss through your work, that comes under public and employers' liability insurance (AVB). That stands apart from the scooter policy and assesses liability under Article 6:162 of the Dutch Civil Code.
Read more
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Would you like a premium calculated for your business scooter?
Request a quotation by registration number without obligation. We record the business purpose of use correctly straight away.
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 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.