Third-party liability
- Damage to other vehicles and injury
- No cover for your own Vespa
- Compulsory under Article 2 of the Dutch Motor Insurance Liability Act (WAM)
- Rarely suitable for a recent example
Insuring a Vespa
A Vespa holds its value better than most scooters and is therefore attractive to thieves. That explains why insurers are stricter about security and storage on this make.
- 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
A Vespa is a motor vehicle, so the the insurance requirement in Article 2 WAMapplies. Third-party liability cover must remain in force for as long as the registration is in your name, even if the scooter stands indoors for a whole winter. Only a suspension with the RDW lifts that obligation temporarily. Damage to the Vespa itself only comes under the policy with third-party, fire and theft or comprehensive cover.
Which rules apply depends on the version. The 50cc models are light moped (restricted to 25 kilometres per hour) or moped (45 kilometres per hour). Both require registration, both have carried a compulsory helmet since 1 January 2023 and you may ride them from the age of sixteen with an category AM driving licence. The heavier GTS versions fall outside the moped category and call for a motorcycle licence and a motorcycle policy.
The distinguishing point on this make is the value. A Vespa with a pressed steel frame falls in price slowly and is stolen more often than an average plastic-bodied scooter. Insurers therefore more often set requirements for the lock, the storage and sometimes for a tracker. On a new or recent example, own-damage cover is usually sensible; have it recorded whether the calculation is made on market value, purchase price or an agreed valuation.
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Which cover suits a Vespa?
Three levels of cover, with the situations that arise most often on this make set out beneath them.
Third-party liability + fire and theft
Alongside third-party liability, a fixed list of events, with theft as a major element.
- Theft provided the ART lock was used
- Fire, storm and hail damage
- Damage from a collision with an animal
- Your own fault remains at your own expense
Comprehensive
Damage to your own Vespa through your own doing or with no other party involved, as well.
- Falling over, skidding and fall damage
- Vandalism and scratches with no other party involved
- Often a purchase value arrangement in the first year
- You can choose your own excess
What is covered
| Situation | Third-party liability | Comprehensive |
|---|---|---|
| Damage you cause to someone else with the Vespa | Yes | Yes |
| Theft while the prescribed ART lock was used | No | Yes |
| Theft without the prescribed ART lock | No | No |
| Paintwork damage because the scooter falls over | No | Yes |
| The added value of a restored or older example | No | Provided that |
| Damage while hired out through a sharing platform | No | No |
What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) that you receive before you take out cover.
What does your premium depend on?
- Version and engine capacity: 50cc or the heavier GTS
- Purchase price of the scooter: a higher value means a higher premium
- Age of the driver: young drivers weigh heavily
- Postcode area: the risk of theft varies widely
- Storage and security: storing it indoors makes a difference
- Type of cover and excess: third-party liability, third-party, fire and theft, or comprehensive
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, risk and 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.
What makes the difference on a Vespa
Four points that arise more often on this make than on an average scooter.
Recording the basis of valuation
After a theft or a total loss, an insurer pays the market value as standard. On a Vespa that often works out unfavourably, because the market value is higher than a depreciation table suggests. So ask about a purchase price or replacement-value-as-new scheme on a recent example, and about an valuation on an older or restored model. A valuation report gives certainty when the value is established. Without a valuation the loss adjuster decides after the event.
Security and storage determine theft cover
Practically every policy requires a lock with ART quality mark in the prescribed category, secured to a fixed object. In some postcode areas compulsory indoor storage or a tracking system is added to that. Keep the invoice for the lock and both keys: you must produce them at claim stage. If the security requirement has not been met, the theft is not covered, regardless of how the scooter was taken.
What is not covered
The following, among others, are outside the cover: tuning up the engine or a modified construction, even where a previous owner did it; driving without the required licence category or under the influence; theft without the prescribed ART lock; and damage during hire or delivery work that has not been declared. Wear, rust and mechanical defects without a collision also fall outside it, as does damage through intent or recklessness (Article 7:952 of the Dutch Civil Code).
Report modifications and use
On taking out the policy, the duty of disclosure applies under Article 7:928 of the Dutch Civil Code. So report a changed exhaust, a different variator, a second regular rider and certainly use for delivery or hire. If you conceal that, the insurer may reduce or refuse payment (Article 7:930 of the Dutch Civil Code). If you move to a different postcode area, let us know. That affects both the premium and the security requirement. You report a loss as soon as is reasonably possible (Article 7:941 of the Dutch Civil Code).
Frequently asked questions
This is what people ask us most.
Is a Vespa more expensive to insure than an ordinary scooter?
For third-party liability cover, usually not, or hardly, because that follows mainly the version and the rider. For own-damage cover and theft, generally yes: the purchase price is higher and the make is popular with thieves. That leads to a higher premium and to stricter requirements for the lock and storage. Comparing pays off more here than on an average scooter.
Which driving licence do I need?
For the 50cc versions an AM licence from the age of sixteen is enough; anyone holding a category B licence is also entitled to ride one. The heavier versions fall outside the moped category and call for a motorcycle licence in the right category. If you ride without the required category, damage to your own Vespa is not covered and the insurer recovers from you the loss paid to the other party.
Can I have my older Vespa valued?
With many insurers you can, certainly on a restored or classic example. A valuation report from a recognised expert records the value in advance, so that no argument arises after a theft or a total loss. Note the period of validity of the report, usually a few years, and the requirement that enrichment remains excluded, as Article 7:960 of the Dutch Civil Code prescribes.
Is theft of individual parts covered?
Only if the policy says so. A stolen mirror, seat or top box often comes under own-damage cover subject to a limit, but non-factory accessories usually have to be notified and valued separately. Keep purchase receipts. Theft of parts without signs of forced entry or without a police report is generally not paid.
What if I lend the Vespa to someone else?
Third-party liability cover follows the vehicle, so damage the borrower causes to someone else is generally covered. For own-damage cover the position is different: if the borrower is younger than the age limit stated on the policy or lacks the required licence category, the insurer may refuse the damage to your own scooter. Regular use by someone else should be reported in advance.
Every situation is different. For these situations we have a separate page.
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Would you like a premium calculated for your Vespa?
Request a quotation without obligation using the registration number. We compare both premium and conditions, including the security requirements.
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.