Is a modified moped actually insured?
To get right to the point: no, a modified moped is not covered by insurance. A moped has a maximum speed of 45 kilometers per hour. If you’re a bit handy, modifying a moped isn’t too difficult, which is why it’s becoming increasingly common. However, many people don’t realize that a modified moped isn’t covered under moped insurance. That means that if you cause damage or are involved in an accident, the insurer won’t pay out anything. In that case, you’ll have to cover the costs yourself. On top of that, there’s a good chance you’ll receive a fine from the Department of Justice.
Does the insurer pay out nothing at all?
You are legally required to have at least third-party liability insurance for your moped. This covers you for damage you cause to others. The insurer bases its coverage on the vehicle’s legal speed limit. For a moped, that is 45 kilometers per hour. A modified moped can, of course, exceed the speed limit and is therefore more likely to cause damage.
Does the insurer also refuse to pay out in cases of liability claims?
If you cause damage to someone else while riding your modified moped, the insurer is legally required to compensate the victim for the damage. However, the insurer will then seek reimbursement from you for these costs. Ultimately, you will be responsible for paying for the damage yourself. Moped insurance does not provide coverage if it turns out that the moped has been modified.
What can I do if the insurance company refuses to pay?
If the damage is limited to bodywork damage, the costs are still manageable. But in some cases, a moped accident can result in personal injury. In that case, the costs often rise significantly. Personal injury, for example resulting from a collision with a pedestrian, can cost hundreds of thousands of euros. In such cases, the fact that the moped insurer refuses to pay becomes a major problem. It’s even possible that the victim will never be able to work again and will need to make their home accessible due to a disability. If the insurer refuses to pay, you’ll be responsible for covering these costs yourself.
It’s best not to take any unnecessary risks, so don’t modify your moped. The risks are much greater than you might think at first, and no fast moped can compensate for that. After all, accidents happen in the blink of an eye. A single wrong steering maneuver or a poorly taken turn could leave you paying for a damage claim for the rest of your life.
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