What does moped insurance cost?
Have you bought a moped or are you planning to buy one? Then you would like to know what moped insurance costs. The costs of a moped insurance depend on a number of factors. Insurers look for example at your age and postal code. Also the costs depend on the coverage you choose. Have you already built up claim-free years? Then you get a discount on the monthly insurance premium. In this article we will have a closer look at the costs of a moped insurance.
Is moped insurance compulsory?
You may wonder whether taking out moped insurance is compulsory. You never suffer any damage, do you? However, it is compulsory to take out moped insurance. This should be done as soon as the moped license plate is registered in your name. In the Netherlands, you should take out at least a WA insurance for your moped. WA stands for legal liability. This insurance covers you for damage you cause to others.
What is the moped insurance premium based on?
The cost of moped insurance depends on the level of the premium. When determining the premium, a number of factors are taken into consideration:
- Your age
- Your postal code
- The value of the moped
- The desired coverage
- The number of claim-free years you have accumulated
Why are my age and place of residence important?
Of course, you cannot change your age and place of residence just like that. So why do they affect the cost of moped insurance? Insurers look at the age of the main driver, because they see that young drivers up to 24 years old are more likely to cause damage than older, more experienced drivers. Therefore, young drivers pay more for their moped insurance. In principle, the licence holder has to take out insurance himself. However, sometimes parents of young drivers put the registration number in their name, so that they can take out moped insurance. In that case, they have to register their son or daughter as a regular driver and the insurer will base the premium on that. The amount of the premium will not change.
In addition, insurers look at where the policyholder lives. For example, someone who lives in the Randstad will probably pay slightly more for a moped insurance than someone who lives in a quiet village. Collisions, damage, vandalism and theft occur less frequently in a quiet area than in an urban area. Therefore, your place of residence also influences the premium.
Third-party liability (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 insurance for mopeds cost?
You are obliged to take out at least a third-party insurance. This is the basic coverage and therefore also the cheapest insurance. To give you a better idea, we give you an example of the costs for WA moped insurance in two different situations:
| Moped speed | 25 kilometres per hour | 45 kilometres per hour |
|---|---|---|
| Cover | WA | WA |
| Age of driver | 25 | 41 |
| Postcode | 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?
Besides the basic third-party insurance, you can also choose a third-party + Theft and Fire or a third-party + Theft, Fire and Collision. The latter is also known as an all-risk moped insurance. The costs for the all-risk moped insurance are the highest, because this is the most comprehensive insurance. With an 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 costs for an all-risk moped insurance in two different situations:
| Moped speed | 25 kilometres per hour | 45 kilometres per hour |
|---|---|---|
| Cover | Theft, Fire and Collision (All Risk) | Theft, Fire and Collision (All Risk) |
| Age of driver | 18 | 30 |
| Postcode | 1187 RH (Amstelveen) | 3925 EE (Scherpenzeel) |
| Claim-free years | 0 | 7 |
| Catalogue value | €900 | €1800 |
| Insurer | Unigarant | A.S.R. Advantage Package |
| Premium per month | €96,67 | €10,53 |
How can I get moped insurance at the lowest price?
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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