A speed pedelec is legally not a bicycle but a moped. That means a registration number, compulsory insurance, a driving licence and a helmet that has to meet a standard of its own.
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A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
A speed pedelec gives pedal assistance up to 45 km/h and therefore counts as a moped. It needs a blue registration plate and compulsory third-party liability insurance. The two are linked.
You need an AM driving licence or a category B licence, and you must be at least sixteen. The helmet requirement applies, with a speed pedelec helmet to NTA 8776 or an approved moped helmet. An ordinary cycle helmet is not enough.
The battery represents a large part of the value and can be removed. Check whether theft of the battery on its own is included.
The structure of the cover in three parts, with an overview per situation below.
Compulsory by law
Third-party liability
Damage you cause to others with the speed pedelec.
Compulsory from registration onwards
Damage to other road users
Injury to third parties
Strongly recommended
Theft and own damage
Theft of and damage to the machine itself, including the battery.
an ART-approved lock
Damage from falls and knocks
Check the battery separately
Different from an e-bike
Rules
What applies because it is legally a moped.
AM or category B licence
Helmet to NTA 8776
From the age of 16
What is covered
Situation
Third-party liability
Own-damage cover
Damage to another road user
Yes
No
Theft with an approved lock
No
Sometimes
Fall or impact damage to the machine
No
Yes
Theft of the battery on its own
No
Sometimes
Driving without a valid licence
No
No
Wear of the battery, tyres and brakes
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.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
A cycle helmet is not enough
For a speed pedelec, a helmet is compulsory: a helmet to NTA 8776 or an approved moped helmet. An ordinary cycle helmet does not count. If you wear one anyway and the injury is partly caused by that, payment under personal accident cover may be lost.
The battery is the most expensive part
On a speed pedelec the battery pack often represents a third of the value and can be removed. Check whether theft of the battery on its own is covered and whether any requirements apply to charging and storage. Loss of capacity through ageing is not insured anywhere. The manufacturer's warranty applies to that.
Not on the cycle path, but on the carriageway
Within built-up areas you generally ride a speed pedelec on the carriageway, and outside built-up areas on the cycle path where this is signed. That is a different traffic picture from an e-bike and it explains why insurers assess the risk differently.
Insurers require an ART-approved lock, at this value often a higher category. Keep both keys and record the frame number and the key code. If a key is missing after a theft, payment is almost always a problem.
What does your premium depend on?
Purchase price
Postcode area: theft statistics
Lock and where it is kept
Cover chosen: third-party only or third party plus own damage
Age of the driver
Excess
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.
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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