Insuring a Delivery Scooter

Insuring a delivery scooter can be quite difficult. This is due to the risk that an insurance company faces. Delivery scooters are driven many kilometers, often under time pressure. As a result, riders tend to drive faster, increasing the likelihood of damage. Many insurers are therefore reluctant to insure delivery scooters. Fortunately, through Alpina.nl, it is possible to insure a delivery scooter. With us, you can always get affordable third-party liability insurance for your delivery scooter!

Why insure a delivery scooter?

You are required to have liability insurance for all motor vehicles. This also applies to (delivery) mopeds. With liability insurance, you are covered for damage you cause to others. What if you accidentally bump into a parked car while riding your delivery moped? Your third-party liability insurance ensures that you’re covered for this. That’s why it’s important to always insure your delivery moped. For a delivery moped, you can only take out third-party liability insurance. You cannot take out third-party liability plus limited comprehensive coverage or third-party liability plus full comprehensive coverage for a delivery moped.

Insuring a delivery scooter: Who is it for?

Delivery moped insurance is for anyone who owns a moped used for delivering goods. When insuring a delivery moped, you must choose between two types of use: “meal delivery” and “other use.” Do you have a delivery moped that you use to deliver, for example, pizzas, sushi, or other types of food? Then, of course, you should choose “meal delivery.” Do you use your delivery moped to deliver packages or flowers, for example? Then you should select “other use.” Both options have a fixed premium and a deductible for third-party liability claims.

Am I also insured when I'm driving for personal use?

Do you ever use your delivery moped for personal purposes? If so, you’re still covered under your business moped insurance. The reverse is not true: if you indicate when taking out moped insurance that you use the moped for personal purposes, but then use it for business and cause damage, you are not covered. This comes down to the level of risk: a moped used for business purposes carries a higher risk. That’s why you need separate insurance for that.