Third-party liability insurance
- Damage to other vehicles
- Injury to third parties
- Damage to buildings and objects
- Damage caused by passengers
Moped insurance through Unigarant
Light moped or moped, petrol or electric: on a registered two-wheeler those two questions determine practically the whole policy.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
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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 situation
- 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
The registration plate says which class your vehicle falls into. A light moped has a blue plate and a design speed of up to 25 kilometres per hour; a moped has a yellow plate and may go faster. The insurance obligation under Article 2 of the Dutch Motor Insurance Liability Act (WAM)applies to both, but the rating, the helmet requirement and the place on the road differ.
The second dividing line is the drive train. On an electric scooter a large part of the value sits in the battery. Loss of capacity through normal use is wear and falls outside every own-damage cover; fire while charging is not wear, but insurers do set requirements for the charger and the charging place. A removable battery charged indoors is a different risk from a scooter plugged in outside.
We are not tied to Unigarant and we set their conditions alongside those of other providers, including NH1816 and Nationale-Nederlanden.
Independent, personal, sorted quickly
We compare your moped insurance across dozens of insurers, explain where the real differences lie, and arrange the switch from start to finish — without you having to chase it yourself.
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Through Finass or direct with Unigarant?
The structure of the cover in three parts, with an overview per situation below.
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 Unigarant'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 Unigarant |
|---|---|---|
| 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 Unigarant 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.
What does your premium depend on?
- Registration class. A blue plate for the light moped or a yellow one for the moped. The higher design speed weighs more heavily.
- Drivetrain. Electric or petrol. With electric, the value of the battery pack and the charging risk play a part of their own.
- Age of the youngest driver. Who actually rides it determines the category. A sixteen-year-old counts differently from an experienced rider.
- Replacement value as new and make. The price when new determines the own-damage premium, and some models are demonstrably more prone to theft.
- Type of cover chosen. Third-party liability, third party, fire and theft, or comprehensive cover; the difference lies mainly in theft, fire and falls of your own making.
- Place of residence and storage. The postcode area and the question of whether the scooter stands indoors or outdoors count towards the theft element of the premium.
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 light moped and a moped are two products
The blue plate of the light moped and the yellow one of the moped lead to different premiums and different rules. A helmet requirement has applied to light mopeds since 2023, and in a growing number of cities light mopeds must ride on the carriageway rather than the cycle path. If you change the class of your vehicle through the RDW, report it. The policy was taken out on the old class.
The battery is the most expensive part and the most poorly covered
On an electric scooter, replacing the battery pack costs a considerable part of the value of the vehicle. Loss of capacity, ageing and no longer achieving the stated range are wear and are therefore excluded. Only sudden damage, such as fire or a collision, comes under own-damage cover. Some providers also exclude a hired or leased battery altogether; check that if your battery comes with a subscription.
Charging with a non-original charger
Fire while charging is a real risk on light electric vehicles. Insurers exclude damage arising from a charger not prescribed by the manufacturer, from a modified or self-repaired battery pack, or from charging in a place the manufacturer prohibits. If you charge indoors, a fire also affects your buildings insurance (opstalverzekering) and home contents insurance (inboedelverzekering), which may set the same requirement.
Riders from the age of sixteen
A light moped or moped calls for an AM licence, which can be taken from the age of sixteen. If someone rides without that licence, damage to third parties remains covered because the WAM requires it, but the insurer may recover the amount paid and your own-damage cover falls away. Report who rides it on a structural basis; the age of the youngest rider determines which category the policy falls into.
Replacement transport after a claim
Replacement transport after a claim Stay mobile with replacement transport.
Breakdown assistance
Frequently asked questions
This is what people ask us most.
Is an electric scooter more expensive to insure than a petrol scooter?
Not by definition, but the make-up differs. The higher price when new and the expensive battery pack weigh on the own-damage premium, while the lower design speed of many electric models works out favourably. More important than the difference in premium is the question of how the battery is treated after a loss or a theft, because that is where conditions vary most between providers.
What happens if I ride my light moped without a helmet?
The helmet requirement is a traffic rule, not a condition of cover. Liability cover therefore remains in place. The effect is on your own injury: if you are more seriously injured without a helmet than you would have been with one, the other party can attribute part of the loss to your own conduct. That reduces what you are ultimately paid.
Do I have to keep my scooter insured over the winter?
For as long as the registration is in your name, yes. The obligation under the Dutch Motor Insurance Liability Act (WAM) continues, even where the vehicle stands in the shed. If you want to avoid that, suspend the registration with the RDW. Bear in mind, though, that during a suspension you are also not covered for theft or fire in storage.
Can I insure my scooter if I use it for delivery?
Not on a private policy. Professional carriage of goods or meals is excluded there, even where it is only a few evenings a week. There are business versions for delivery vehicles, with different premiums and sometimes with the requirement that the delivery rider is a named rider. Report this in advance, because after a collision during a delivery run there is no way of putting it right.
Every situation is different. For these situations we have a separate page.
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Ready to compare?
Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
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 compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.