What does moped insurance cost?
Have you bought or are you planning to buy a moped? Then of course you want to know what moped insurance costs. The cost of moped insurance depends on a number of factors. For example, insurers look at your age and zip code. In addition, the cost depends on the coverage you choose. Have you already accumulated claim-free years? Then you will receive a discount on the monthly insurance premium. In this article, we take a closer look at the cost of moped insurance.
Is moped insurance mandatory?
You may be wondering if taking out moped insurance is mandatory. After all, you never drive any damage, right? Nevertheless, taking out moped insurance is mandatory. This is required as soon as the license plate of the moped is in your name. In the Netherlands, you must have at least a third-party insurance for your moped. WA stands for third-party liability. It insures you for damage you cause to another person.
What is the premium for moped insurance based on?
The cost of moped insurance depends on the amount of the premium. A number of factors are considered when determining the premium:
- Your age
- Your zip code
- The value of the moped
- The desired coverage
- The number of claim-free years you have accumulated
Why are my age and hometown important?
Of course, you can't change your age and place of residence overnight. So why do they affect the cost of moped insurance anyway? Insurers look at the age of the lead driver because they see that young drivers up to age 24 are more likely to make claims than older, more experienced drivers. Therefore, young drivers pay more premium for their moped insurance. Basically, the license plate holder has to buy his or her own insurance. However, sometimes parents of young drivers put the license plate in their name so that they can purchase moped insurance. In that case, however, they must list their son or daughter as a regular driver and the insurer will still base the premium on that. Thus, the amount of the premium does not change.
In addition, an insurer looks at where the policyholder lives. For example, someone living in the suburbs is likely to pay slightly more premium for moped insurance than someone living in a quiet village. In proportion, collisions, damage, vandalism and theft are less common in a quiet area than in an urban area. Therefore, your place of residence also affects the premium.
WA (mandatory)
- Damage to others
- Theft and Fire Damage
- Damage to own moped
WA Theft and Fire
- Damage to others
- Theft and Fire Damage
- Damage to own moped
WA Theft,Fire and Collision
- Damage to others
- Theft and Fire Damage
- Damage to own moped
What does third-party moped insurance cost?
You are required to have at least third-party insurance. This is the basic coverage and therefore the cheapest insurance. To give you a better idea, we give you an example of the cost of third-party moped insurance in two different situations:
| Moped speed | 25 kilometers per hour | 45 kilometers per hour |
|---|---|---|
| Coverage | WA | WA |
| Age of driver | 25 | 41 |
| Postal code | 3401 CN (IJsselstein) | 9401 AZ (Assen) |
| Claim-free years | 3 | 11 |
| Insurer | a.s.r. Advantage Package | Unigarant |
| Premium per month | €7,37 | €4,32 |
What does all-risk moped insurance cost?
In addition to basic third-party insurance, you can also opt for third-party + Theft and Fire or third-party + Theft, Fire and Collision. The latter is also known as all-risk moped insurance. The cost of all-risk moped insurance is the highest, as this is also the most comprehensive insurance. With all-risk moped insurance, you are also insured for damage to your own moped, even if the damage is your own fault. To give you a better idea, we give you an example of the cost of all-risk moped insurance in two different situations:
| Moped speed | 25 kilometers per hour | 45 kilometers per hour |
|---|---|---|
| Coverage | Theft, Fire and Collision (All-risk) | Theft, Fire and Collision (All-risk) |
| Age of driver | 18 | 30 |
| Postal code | 1187 RH (Amstelveen) | 3925 EE (Scherpenzeel) |
| Claim-free years | 0 | 7 |
| Catalog value | €900 | €1800 |
| Insurer | Unigarant | a.s.r. Advantage Package |
| Premium per month | €96,67 | €10,53 |
How can I get moped insurance as cheaply as possible?
Driving and maintaining a moped is cheaper than a car, but it still costs you money. Not surprisingly, you would like to save on the cost of moped insurance. At Alpina, you can always get cheap moped insurance. You can find it by comparing the front insurance policies on price and content. If you have found the cheapest moped insurance with the best coverage, you can buy it directly online!
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