Third-party liability
- Compulsory for every moped and light moped with a registration plate
- ANWB starts at a 40 percent discount, Unigarant at 65 percent, both rising to 75
- Excess of 250 euros if someone younger than the main driver is riding
Compare scooter insurance
When you compare scooter insurance, it comes down to four figures: the ART class of the lock, the period for which the purchase value is paid, the excess per claim and the starting discount for a 16-year-old.
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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.
Which details do we ask for?
Business quote request. A no-obligation request: nothing is taken out automatically. After sending you receive a reference number and a confirmation by e-mail.
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Additional questions follow per chosen insurance.
Additional questions follow per chosen insurance.
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- Comments
- Have you, or anyone else with an interest in this insurance, been in contact with the police or judicial authorities in the past 8 years? (required)
- Has an insurance policy ever been cancelled, refused or terminated due to fraud, or are you registered in the incident register? (required)
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Additional questions follow per chosen insurance.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
Scooter insurance is best compared on the policy schedule, not on the premium page. With Unigarant and ANWB, theft of a moped or light moped (brom- or snorfiets) is only covered if you use a lock of ART category 3 or higher; for a moped-class e-bike (fiets met hulpmotor) or a speed pedelec, ART 2 is enough. The excess is 125 euros for theft or total loss and 125 euros for damage; with Unigarant you can buy it off or raise it to 350 euros in return for a lower premium.
The second yardstick is the purchase value scheme (aanschafwaarderegeling). With Unigarant and ANWB, if you are the first owner and the scooter is stolen or written off within twelve months, you get the full purchase price back; after that, the current market value applies. For a moped-class e-bike or speed pedelec, Unigarant extends that period to 36 months. An electric scooter costing 4,000 euros that is stolen after fourteen months can therefore pay out considerably less under one policy than under another.
Unlike with motorcycle insurance, the rider's age weighs more heavily here. At ANWB, a rider under 25 must always be declared as the main driver, even for occasional use; otherwise, damage is not paid out. Theft figures, meanwhile, are falling: according to Stichting VbV, the number of stolen mopeds and light mopeds fell in 2024 for the third year in a row, down from a record 13,696 in 2015, and around half are now recovered. These are the points on which we compare.
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What does scooter insurance cover?
Which cover you compare depends on the value of the scooter, the age of the rider and where it is parked overnight.
Third-party, fire and theft
With limited comprehensive (beperkt casco), it is about the ART class, the purchase value period and the excess for theft.
- ART 3 lock compulsory for mopeds and light mopeds
- Purchase value for 12 months, first owner only
- Excess of 125 euros, can be bought off or raised to 350 euros for a discount
Comprehensive
Comprehensive cover (allrisk) adds your own fault, helmet and clothing; compare the maximum for these.
- Single-vehicle falls and own fault covered
- Helmet and clothing up to 350 euros with ANWB
- Extra security requirements for theft-prone models
What is covered
| Situation | Third-party liability | Third-party, fire and theft | Comprehensive |
|---|---|---|---|
| Damage to another road user | Yes | Yes | Yes |
| Theft with an approved lock | No | Yes | Yes |
| Fire or storm damage | No | Yes | Yes |
| Falling off with no other party involved | No | No | Yes |
| Injury because no helmet was worn | No | No | No |
| A derestricted scooter that has not been declared | No | 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?
- List price and year of manufacture
- Type of plate: blue or yellow
- Age of the driver: the most important factor for young riders
- Postcode area: theft statistics
- Storage and security: an ART lock, a shed or a garage
- Cover and excess chosen
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
These points make the difference when you put scooter insurance policies side by side.
Scooter insurance at 16
From the age of 16 you may ride a moped or light moped with an AM licence, and the insurance is taken out in the young rider's name or in a parent's name with the young rider as main driver. That declaration is not a formality: at ANWB, a rider under 25 must always be listed as the main driver, otherwise damage is not paid out, and at Unigarant an excess of 250 euros applies to third-party liability if someone younger than the declared main driver is riding. Because of claims statistics, the premium for a 16-year-old is well above that of an adult, so compare above all the starting discount and how it builds up.
Business scooter insurance and delivery work
A scooter used for meal or parcel delivery is not covered by a private scooter policy: courier work and carrying goods or people for payment are excluded under almost all private policies, as is renting the scooter out. A delivery scooter or a scooter registered to the business needs a business policy, for which the insurer asks about the number of riders, their ages and the annual mileage. If a 17-year-old employee rides the company scooter, that is the benchmark for premium and excess. We arrange business scooter policies with insurers that accept delivery traffic.
Lock class and extra security requirements
At Unigarant and ANWB, ART category 3 is the minimum for mopeds and light mopeds; for some theft-prone models, extra requirements apply that you only see when you take out the policy, such as an alarm or a second lock. An ART 3 chain lock easily weighs several kilos and costs between 50 and 150 euros; that is the difference between a payout and a rejection. The keys must not be left in or near the scooter. So do not just compare whether a lock is required, but which class, and whether your model is on a list with additional requirements.
No-claims years and switching
You can carry over no-claims years (schadevrije jaren) from a previous moped or scooter policy with the original cancellation statement (royementsverklaring); at ANWB this is possible up to a year after the old policy ended, without a separate claims history form. Years built up on a car policy do not count towards a scooter at ANWB. The build-up differs: ANWB starts at a 40 percent discount and rises to 75, Unigarant starts at 65 percent and reaches 75 after four claim-free years. Anyone who starts at sixteen benefits from that build-up at twenty when moving on to a motorcycle or car, provided the years have been registered correctly.
Frequently asked questions
Questions from people comparing scooter insurance.
What is the best scooter insurance?
There is no best policy separate from your situation. For a new electric scooter in the city, the purchase value scheme (12 months with Unigarant and ANWB) and the excess for theft (125 euros) matter most. For a 16-year-old on a second-hand light moped, third-party liability with a favourable starting discount is usually enough. For a delivery scooter, the only thing that counts is whether the insurer accepts business use. We choose on the basis of those three profiles, not on the lowest monthly premium.
How much does scooter insurance cost for a 16-year-old?
There is no fixed premium; it depends on postcode, blue or yellow registration plate, list price and cover. What is certain is that a 16-year-old falls into the highest risk group and therefore pays more than an adult on the same scooter. The starting discount makes a difference: ANWB gives 40 percent straight away, Unigarant 65 percent, both rising to 75 percent. Also expect a higher excess if the young rider has not been declared as the main driver.
Is business scooter insurance different from private cover?
Yes. A private policy excludes delivery and courier work, renting out and carrying people or goods for payment. Business scooter insurance is in the company's name, accepts changing riders and is priced on annual mileage and the age of the youngest rider. The premium is higher and the excess is often set per rider. For a fleet of delivery scooters, a fleet policy with a single renewal date is easier to manage than separate policies per registration plate.
For how long do I get the purchase value back after theft?
With Unigarant and ANWB, twelve months for a moped, light moped or microcar (brommobiel), but only if you are the first owner and bought the scooter new. For a moped-class e-bike or speed pedelec, Unigarant applies 36 months. After that, the current market value is paid, based on age and condition. Keep the purchase receipt; without proof of the purchase price the scheme lapses and the market value applies straight away.
Is my helmet covered?
At ANWB, helmet and clothing are covered up to 350 euros with the Theft and Collision (Diefstal en Aanrijding) cover. With other insurers, it is part of the comprehensive cover or a separate module with its own maximum. A helmet damaged in a fall must be replaced, even if there is no visible damage. Compare the maximum per incident and whether the payout is at replacement value or market value; for a 300-euro helmet after two years, that makes a difference.
Is an electric scooter insured differently?
At ANWB, the insurance obligation and the excess are the same as for a petrol scooter: 125 euros for theft and 125 euros for damage. The difference lies in the value and the battery. Check whether battery damage from a fall or short circuit is covered by the comprehensive cover, and whether a removable battery charged indoors falls under the scooter policy or your contents insurance (inboedelverzekering). Speed pedelecs can be insured, but without a no-claims discount and with different security requirements (ART 2).
Every situation is different. For these situations we have a separate page.
- Insuring a moped & comparing premiumsThe main page
- Insuring a MicrocarMicrocar, 45 km/h, AM licence
- Insuring an electric scooter & comparing premiums
- Insuring a light scooter & comparing premiums
- Insuring a Kymco AgilityLight scooter or moped scooter, registration required, helmet compulsory
- Insuring an e-scooterSpecial moped category, registration required, third-party liability compulsory
- Insuring a low-speed scooterBlue plate, cycle path, battery
- Moped insurance through Unigarant
- Insuring a scooterThird-party liability compulsory, theft, derestricting
Read more
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.