BASIC
WA moped car
Legally required
The cheapest coverage. Suitable for older microcars with a lower current value or limited use.
What is covered:
- Damage to other road users
- Personal injury to third parties
- Materiële schade aan eigendommen
Moped insurance vergelijken & close immediately
Vergelijk premies voor uw 45 km-voertuig — Aixam, Ligier, Microcar of Chatenet. Bereken binnen 2 minutes uw premie en bespaar tot €200 per jaar through independent advice.
From 16 years
No driving license required
WA, Casco or Allrisk
Personal advice
What is a moped car?
A Moped car is a motorized vehicle with four wheels that can travel up to 45 kilometers per hour. Microcars fall under the legal category mopeds and are therefore also called "45 km-Auto'sWell-known brands are Aixam, Ligier, Microcar, Chatenet, Bellier and Casalini.
A moped car is intended for people who want to travel comfortably without a driving license. Immediately driving license AM You can drive a moped from the age of 16. Just like with a normal car, insurance is required by law.
Who is a moped suitable for?
Moped cars are especially popular with... seniors who have lost their driving license or no longer want to drive, but also at young people from 16 years old who are still too young for a driving license. In addition, microcars are used by people with medical limitations who want to remain mobile.
Moped vehicle license plate requirement
Since 2005, all microcars have been in the Netherlands license plate requirement. You can recognize a moped by it yellow license plate — hetzelfde als bij een bromfiets. Het kenteken moet altijd duidelijk leesbaar zijn en het Vehicle moet APK-gekeurd zijn als het ouder dan 3 jaar is.
We insure all well-known moped brands
Ongeacht het merk of model van uw Moped car — wij vinden de juiste verzekering voor u.
Aixam
The most sold moped car in the Netherlands. Well-known models: City, Crossover, Coupe, e-Aixam (electric).
Ligier
French brand with a sporty look. Models: JS50, JS60, Microcar Due and electric versions.
Microcar & Chatenet
Other well-known brands: Microcar M.Go, Dué, Chatenet CH26, CH30. Bellier, Casalini and JDM are also insured.
Which coverage suits your moped?
There are three main coverages for microcars. Theft coverage is especially important because microcars are often stolen.
MOST CHOOSED
EXTENDED
WA + Limited Casco
Including theft cover
Recommended for most microcars. In addition to third party liability, it also covers damage to your own vehicle due to external causes.
Additional coverage:
- Diefstal & inbraak
- Fire and storm damage
- Vandalism
- Window breakage
- Collision with animals
COMPLETE
All-risk moped car
For new microcars
The most complete coverage, even if it is your own fault. Recommended for newer or expensive models and electric microcars.
Everything from WA+ plus:
- Damage due to your own fault
- Slip damage
- Parking damage
- Unknown causative agent
- Total loss payment
Additional coverage for your moped insurance
Configure your insurance completely according to your wishes with these popular extra modules.
Passenger insurance
Vergoedt letselschade en materiële schade aan bestuurder en passagier, ongeacht de schuldvraag bij A ongeluk.
Roadside assistance Netherlands
24/7 roadside assistance in case of a stop on the road in the Netherlands, including towing assistance to the nearest dealer or garage.
Traffic legal aid
Legal assistance in traffic accidents, disputes with the dealer or problems with the purchase of your moped.
Accessoires & aanpassingen
You can take out extra cover for microcars with adapted controls (hand throttle, automatic controls) or special accessories.
PREMIUM CALCULATION
What does your premium depend on?
Your premium Moped insurance is determined by various factors. You can save a lot by properly securing your moped and placing it in a locked garage.
We compare more than 30 insurers for you and always find the best premium for your specific situation.
1
Type & bouwjaar Moped car
Catalog value and model
2
Age of main driver
Young or senior
3
Storage area
Garage or public road
4
Claim-free years
Up to 75% discount
5
Postcode area
Theft and collision risk
Frequently asked questions about moped insurance
Answers to the most frequently asked questions about microcars, AM driving license and insurance.
Which driving license do I need for a moped?
For a moped car you need one driving license AM nodig — hetzelfde rijbewijs als voor A bromfiets of snorfiets. U kunt dit al halen vanaf 16 years. Do you have a car driving license B? Then you are automatically allowed to drive a moped. For seniors who have lost their driving license B, an AM driving license is a solution.
Is moped insurance mandatory?
Yes, there is one for all microcars on public roads Third party insurance required by law. Zonder geldige verzekering riskeert u A boete van €460 en kan uw kenteken worden geschorst. Brommobielen hebben A geel kenteken en moeten als bromfiets verzekerd worden.
Can a moped drive on the highway?
No, microcars are allowed not driving on highways or highways. You are obliged to drive on the road within built-up areas, and on the cycle path or road outside built-up areas (depending on signage). The maximum speed is always 45 km/h.
Which moped insurance should I choose?
For older microcars with a low value, one is usually sufficient Third party insurance. For most owners we recommend WA + Limited Casco because of the theft and fire/storm cover. For newer or expensive models (such as electric mopeds). All risk the best choice.
How much does moped insurance cost on average?
The average moped insurance in the Netherlands costs between €15 and €40 per maand, afhankelijk van het type, dekking, leeftijd bestuurder en Storage area. Een WA-verzekering voor een oudere Aixam begint vanaf €15 per maand, terwijl een Allrisk voor een nieuwe elektrische brommobiel rond de €45 per maand kan kosten.
Is my moped insured against theft?
Theft is covered WA + Limited Casco and All risk. Many insurers impose conditions: the microcar must often be kept in a closed space (garage or shed) and secured with an approved lock. Always read the policy conditions carefully.
Does a moped car need an MOT?
Yes, since May 1, 2025, microcars have been older than 3 years Required MOT. In addition, your moped must meet all technical requirements (lighting, brakes, tires). Without a valid MOT you may experience problems with claims handling.
Can I take claim-free years with me from my car?
Bij sommige verzekeraars kunt u schadevrije jaren overdragen van uw autoverzekering naar uw Moped insurance. Niet alle verzekeraars staan dit toe en de korting kan beperkter zijn. Wij adviseren u hierover graag persoonlijk — het kan u honderden euros per jaar besparen.
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