Delivery moped insurance
Insuring a delivery moped can be quite difficult. This is because of the risk involved for an insurance company. Many miles are driven with a delivery moped, often under time constraints. As a result, driving is usually faster and more likely to result in damage. Many insurers therefore do not want to insure a delivery moped. Through Alpina.nl Fortunately, it is possible to insure a delivery moped. With us, you can always get cheap third-party insurance for your delivery moped!
Why insure a delivery motorbike?
You are obliged to take out third-party insurance for all motor vehicles. This also applies to (delivery) mopeds. With a WA-insurance you are insured for damage that you cause to others. Do you accidentally drive your delivery moped into a parked car? Your WA insurance makes sure that you are insured for this. That is why it is important to always insure your delivery moped. For a delivery moped it is only possible to take out a WA insurance. For a delivery moped you cannot take out WA + Limited Casco or WA + Full Casco.
Insurance for delivery mopeds: for whom?
A delivery moped insurance is for anyone who has a moped for delivering goods. When insuring a delivery moped, you have to choose between two types of use: 'delivery of meals' and 'other use'. Do you have a delivery moped for delivering pizzas, sushi or other types of food? If so, then you must choose 'delivery of meals'. Do you use your delivery motorbike to deliver packages or flowers? Then choose 'other use'. Both variants have a fixed premium and an excess for third-party damage.
Am I also insured if I drive for private purposes?
Do you also use your delivery moped privately sometimes? Then you are simply insured with your business moped insurance. The reverse is not true: if you indicate that you use the moped privately when taking out the insurance, but then use it for business purposes and cause damage, you are not insured. This is about the level of risk: a moped that you use for business purposes involves more risk. That is why you have to insure yourself for it separately.
Why is insuring a delivery moped difficult?
Insuring a delivery moped involves a lot of risk for an insurer. At the beginning of 2019, figures from De Vereende showed that drivers of delivery mopeds incur almost six times more damage than drivers of private mopeds. In addition, the damage amount is also 75 percent higher. Many insurers consider the risk too high and will therefore not want to provide moped insurance for a delivery moped.
Fortunately, you can always insure your moped with the insurance company De Vereende. De Vereende was founded especially for insuring special risks. They have a broader acceptance policy and therefore in principle accept every insurance application. However, this is subject to a number of conditions, such as a higher premium and a deposit. You must also pay three months of premium in advance.
Get delivery moped insurance through Alpina!
With our online comparison tool you can easily calculate the premium for a delivery moped insurance. The premium you will see is an indicative premium. The insurance company will only issue the definitive premium after a complete request for quotation or application has been submitted. Please note that the delivery moped insurance will only take effect after you have paid the first premium AND you have returned the application form fully completed and signed. It may therefore take a few days before you are covered. Do you have any questions about insuring your delivery moped? Then you can always contact us.
Are you a meal delivery driver? Then take a look at these five Golden Rules of Behaviour for Meal Deliverers.
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