Can a parent insure a scooter for a child?
Has your son or daughter just turned 16 and can't wait to get their own scooter on the road? Safety is of course paramount, so scooter insurance should also be well arranged. Many parents wonder: can I insure a scooter for my child? We will explain you how you can insure a scooter for your child and what the risks are.
Why insure the scooter for the child as a parent?
Young people pay a much higher premium for their scooter insurance. This is because young people proportionally cause more damage. On top of that, youngsters often do not have any damage free years. Because of this, insurers have little guarantee that the policyholder will handle the scooter carefully. Therefore they are a bigger risk for insurers. With insurances the following applies: the higher the risk, the higher the premium.
In some cases, parents choose to insure the scooter for their child themselves. This is possible if the license plate is in the name of one of the parents. In theory this sounds good, but in practice it does not quite work like that. An insurer will always ask for the regular driver. If this is a young person, the insurer will still charge a higher premium.
What are the risks?
Sometimes parents try to get round a higher premium by taking out scooter insurance in their own name and declaring themselves as regular drivers when, in fact, this is not the case. This is not advisable! Deliberately passing on incorrect information to the insurer can have major consequences. Does your son or daughter cause damage with the scooter? First of all, insurers already apply an extra own risk when it appears that someone under 24 has caused the damage. Secondly, the insurer can withhold the compensation if it turns out that you have committed fraud when taking out the scooter insurance. This way, you will only end up paying more.
It is best to take out the scooter insurance in the name of your son or daughter (if the licence plate is in their name) or to take out the scooter insurance yourself but to register your son or daughter as a regular driver. This way you may pay a higher premium, but your son or daughter will also build up damage free years.
Can I apply for scooter insurance for my child?
Yes, you can. It is even customary for parents to take out scooter insurance for their child if they are not yet 18 years old. As soon as your son or daughter turns 18, they are themselves authorised to take out their scooter insurance and to adjust it if necessary.
Scooter insurance? Get insurance through Alpina!
One way or another, your son or daughter's scooter should be properly insured, of course. Therefore, take out scooter insurance through Alpina right away. Through our online comparison tool, you can easily compare different providers, both on price and content. This way you can easily find the best scooter insurance for your son or daughter and they can hit the road safely!
Do you have any questions or would you like to consult with one of our insurance specialists? You can always reach us by phone at 088 - 6883700 (Monday to Friday from 08.00 to 18.00) or send us a message via e-mail, WhatsApp or Messenger.
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