In law a mobility scooter falls into a different category from a Segway, and that determines whether third-party liability insurance is compulsory. For your own vehicle you need own-damage cover in any event.
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Work out your own premium with the calculator.
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An adviser checks whether the cover suits your situation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
A mobility scooter counts as a disability vehicle. Different rules apply to it than to a moped; have your situation checked, because the insurance obligation depends on the type and the top speed.
A Segway is a special moped and therefore does have a registration and compulsory third-party liability insurance.
Quite apart from the legal obligation, own-damage cover is almost always sensible: these vehicles cost several thousand euros, often stand outdoors or in a communal storage room, and the battery is a sought-after component.
What does mobility scooter and Segway insurance cover?
The structure of the cover in three parts, with an overview per situation below.
First find out
Liability
Damage you cause to others with the vehicle.
Compulsory on a Segway
On a mobility scooter, depending on the type
Sometimes through the AVP
Your own vehicle
Own-damage cover
Damage to and theft of the vehicle itself.
Theft and vandalism
Fall and collision damage
Battery and charger
Important in practice
Assistance and replacement
You do not want to be without transport for days.
Breakdown assistance on the road
Replacement vehicle
Transport to the supplier
What is covered
Situation
Covered
Damage to a parked car
Sometimes
Theft from a communal storage room
Sometimes
Damage from a fall or tipping over
Sometimes
A breakdown on the road with transport home
Sometimes
Damage to the battery from incorrect charging
No
Use by someone without permission
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.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
First establish whether insurance is compulsory
For a Segway, third-party liability cover is compulsory. For a mobility scooter it depends on the type and the speed, and sometimes the cover runs through your liability insurance. Have that established before you take anything out.
If the vehicle stands in a communal storage room or in the hallway of a block of flats, additional requirements often apply to theft cover.
Battery and charger
The battery is expensive and sought after. Check whether it is included in the cover, and whether damage from charging falls outside it.
A replacement vehicle counts heavily
Without a mobility scooter you have no mobility. Cover with a replacement vehicle or a quick repair matters more here than a few euros' difference in premium.
What does your premium depend on?
Purchase price
Type of vehicle — mobility scooter, Segway or other electric vehicle
Storage — indoors, in a storage room or outdoors
Cover chosen — third-party liability, third party, fire and theft, or comprehensive cover
Breakdown assistance and a replacement vehicle
Excess
Insurers weigh these details differently. That is why comparing pays off.
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.
That depends on the type of vehicle and the top speed; a mobility scooter counts as a disability vehicle and comes under different rules from a moped. Have your situation checked before you assume that you need nothing.
And for a Segway?
A Segway is a special moped: a registration and third-party liability insurance are compulsory.
Is my mobility scooter covered on my home contents insurance?
Generally not, or only indoors. Theft from a storage room or from the street calls for a separate policy.
What if I have the vehicle through the local authority or my health insurer?
The ownership position is then different and cover is sometimes already arranged. Ask about that before you insure twice over.
Is the battery covered?
Usually yes, as part of the vehicle, but damage from incorrect charging is excluded practically everywhere. Always use the original charger.
Do I get replacement transport after a claim?
Only with a policy that expressly offers it. For anyone who depends on the vehicle, that is often the most important part of the cover.
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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