Third-party liability
- Compulsory from registration onwards
- Damage to other road users
- Injury to third parties
Insuring a speed pedelec
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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Work out for yourself what it would cost.
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- We compare the offerings of several insurers
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- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
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.
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Speed pedelec: what is covered?
The structure of the cover in three parts, with an overview per situation below.
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
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.
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.
Why 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.
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.
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.
The lock determines the theft cover
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.
Frequently asked questions
This is what people ask us most.
Is a speed pedelec a bicycle?
No, legally it is a moped. It must be registered, must have third-party liability insurance, and a driving licence and a helmet are compulsory.
Which helmet do I have to wear?
A speed pedelec helmet to NTA 8776 or an approved moped helmet. An ordinary cycle helmet is not enough.
Which driving licence do I need?
An AM licence or a category B licence, from the age of sixteen.
Is the battery covered?
For damage, usually yes; check whether theft of the battery on its own is also covered. Loss of capacity is never included.
Which lock is needed?
An ART-approved lock, at this value often a higher category. Keep both keys and record the frame number.
Where am I allowed to ride?
Within built-up areas usually on the carriageway, and outside built-up areas on the cycle path where this is signed.
Every situation is different. For these situations we have a separate page.
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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.
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This page was compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.