A mobility scooter and a Segway are similar in use, but they fall into different vehicle categories, and that classification determines whether a statutory insurance obligation applies.
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In brief
A mobility scooter is a disability vehicle: made for someone with a disability, with a low design speed, and permitted on the pavement, the cycle path and the carriageway. A Segway is not. It has been designated by the RDW as a special moped and is therefore a motor vehicle within the meaning of the law. A motor vehicle comes under the insurance obligation of Article 2 of the Dutch Motor Insurance Liability Act (WAM). A disability vehicle generally does not.
That difference feeds straight through into your policy. For a mobility scooter the first question is whether your personal liability insurance includes the vehicle. Some policies do so expressly, others exclude all motor vehicles without exception. For a Segway that route is closed and you always need separate third-party liability cover.
The second question stands apart from that: damage to or theft of the vehicle itself. That is never home contents and is never included in liability cover; own-damage cover is needed for it. See also mobility scooter and Segway insurance and, for comparable light vehicles, the light quadricycle (brommobiel).
The structure of the cover in three parts, with an overview per situation below.
Third-party liability insurance
Third-party liability insurance is compulsory by law and covers damage you cause to others with your car, not damage to your own car.
Damage to other vehicles
Injury to third parties
Damage to buildings and objects
Damage caused by passengers
Third-party liability + fire and theft
Alongside third-party liability cover, protection against damage to your own car from external causes you cannot prevent.
Fire and storm damage
Theft and burglary
Windscreen breakage and glass damage
Collision with animals
Comprehensive insurance
The most complete cover, including for damage you cause yourself, theft and total loss. We compare Ansvar Idea's comprehensive version with the market.
Hail damage
Damage through your own fault
Vandalism
Unknown party at fault
What is covered
What we do
At Finass
Direct with Ansvar
Comparison across several insurers
Yes
No
Advice based on your own situation
Yes
Provided it is declared
One point of contact for claims
Yes
Provided it is declared
Cancellation with your current insurer arranged
Yes
No
We determine whether Ansvar is the best choice
Yes
No
Advice fees for you as a customer
No
No
What we do
What we do
At Finass
Direct with Ansvar
Comparison across several insurers
Yes
No
Advice based on your own situation
Yes
Sometimes
One point of contact for claims
Yes
Sometimes
Cancellation with your current insurer arranged
Yes
No
We determine whether Ansvar is the best choice
Yes
No
Advice fees for you as a customer
No
No
This overview concerns our service, not the cover. What is actually covered is set out in the policy conditions and on the insurer's insurance card (verzekeringskaart); you receive both before you take out cover.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
First the category, then the policy
Use the RDW registration check or type approval to determine which category your vehicle falls into. A disability vehicle, a special moped and an ordinary moped each have their own regime for the insurance obligation, the helmet requirement and the parts of the road permitted. A vehicle not approved by the RDW may not be used on the public road, and damage arising there anyway is covered by no policy at all.
The battery is the most expensive component
On both a mobility scooter and a Segway, a large part of the value sits in the battery pack. Gradual loss of capacity is wear and is excluded on every own-damage policy. What is generally covered is sudden damage, such as fire or a fall. If you charge with a charger other than the one supplied and damage results, the exclusion for inherent defect and improper use into view.
Storage and theft
Theft from an unlocked storage room, doorway or communal hall is not paid under practically every policy. Insurers require a locked space or an approved lock attached to a fixed object. If you take the battery indoors, that does not automatically change the cover on the battery; have it recorded whether loose parts outside the vehicle are included in the cover and up to what amount.
Who may ride it
On a mobility scooter the vehicle is tied to the user. If you lend it to a neighbour, the insurer can rely on use by an unauthorised driver. On a Segway there is also a minimum age. Business use, hire or use for delivery services falls outside a private policy and must be declared in advance.
What does your premium depend on?
Vehicle category. A disability vehicle or a special moped. That classification determines whether third-party liability cover is required by law.
Replacement value as new and year of manufacture. Determines whether cover on replacement value as new, market value or purchase price is possible and at what rate.
Type of cover chosen. Third-party liability only, third party, fire and theft, or comprehensive cover including your own damage and theft.
Storage address and security. A locked shed or storage room counts more favourably than a communal space or storage outdoors.
Postcode. The theft risk differs by region and is built into the rate.
Additions covered as well. Roadside assistance, a replacement vehicle, personal accident cover for the rider and accessories come separately on top.
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.
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.
Is a mobility scooter required by law to be insured?
A disability vehicle generally falls outside the insurance obligation of Article 2 WAM. That does not mean you are uninsured as soon as you hit someone: you remain liable under Article 6:162 of the Dutch Civil Code. So check whether your personal liability insurance expressly includes the vehicle, because by no means every policy does.
And with a Segway?
A Segway is designated as a special moped and is therefore a motor vehicle. The insurance obligation of Article 2 WAM then applies and you always need separate third-party liability cover. Personal liability insurance excludes motor vehicles and therefore offers no alternative here, not even if you only ride it on the cycle path.
Does the vehicle come under my home contents insurance?
No. A mobility scooter or Segway is a vehicle and not home contents, even when it stands in your shed. Theft of and damage to the vehicle itself are only covered with own-damage cover on a policy of its own. When arranging it, ask whether accessories such as a rain canopy, bag or spare battery fall within that cover.
Is battery wear covered?
No. Declining capacity through ageing and charging cycles is wear and comes under the exclusion for inherent defect. What is covered is a sudden event, such as fire or damage in a fall. Always use the original charger; damage arising from a different charger or from parts fitted yourself is almost always refused.
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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