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Moped car verzekeren & compare premiums

Verzeker uw brommobiel — een lichte vierwieler (45 km/u) die u met een AM driving license bestuurt, zoals een Biro, Ligier, Aixam, Citroën Ami of Microcar. WA is verplicht; geen helmplicht dankzij de gesloten cabine. Wij vergelijken meer dan 30 Nederlandse verzekeraars. Onafhankelijk advies van Finass Insures.

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Compare independently
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45 km/u & AM driving license
Personal advice

In 1 minute explained

Watch this short video to see what to look out for and which choices suit your situation.

Prefer to brainstorm directly? Contact us — wij kijken persoonlijk met u mee.

Insuring a moped with Finass Verzekert

What is moped insurance?

A Moped car is a light quadricycle that travels at a maximum speed of 45 km/h and which you with a AM driving license (vanaf 16 jaar) mag besturen. Merken zijn onder More Biro, Ligier, Aixam, Citroën Ami en Microcar. Een Third-party liability insurance is legally required.; thanks to the enclosed cabin, there is no helmet requirement.

Many microcars are electric; in that case, you insure the battery preferably along under the hull. At Finass Insures we compare more than 30 insurers and look for the coverage that suits your microcar.

What should you look for in a microcar?

Pay attention to the model (petrol or electric, with the battery insured), the chosen coverage, theft protection, and your place of residence. We provide independent advice.

More about the motorcycle insurance

A motorcycle, scooter, or moped is subject to statutory insurance. However, with only third-party liability insurance, you are not covered for theft or damage to your own vehicle. motorcycle insurance You can tailor coverage from third-party liability to comprehensive to the value of your vehicle.

What does motorcycle insurance cover?+
  • ✓Third-party liability (mandatory): damage you cause to others
  • ✓Limited hull coverage: theft, fire, storm, and glass damage
  • ✓All-risk: also includes damage to your own vehicle caused by your own fault
  • ✓Accessories and extension (optional)
  • ✓Additional: passenger accident insurance and roadside assistance
  • ✓claim-free years and no-claim discount

We (Finass Verzekert) independently compare motorcycle insurance from more than 30 insurers — so you get the best coverage at the most competitive premium.

Why is motorcycle insurance important?+
  • ✓Third-party liability is legally mandatory for every motor vehicle.
  • ✓Theft and damage to your own vehicle are only covered by comprehensive insurance.
  • ✓Comprehensive insurance pays off for a new or valuable motorcycle.
  • ✓You build up claim-free years
Who is motorcycle insurance suitable for?+
  • ✓Motorcycle, scooter, and moped riders
  • ✓Owners of a new or expensive two-wheeler
  • ✓Whoever parks the vehicle in a theft-prone area
  • ✓Seasonal drivers (with a suspension or storage discount)
Tips for closing+
  • ✓Choose the coverage based on the value and age of your vehicle.
  • ✓Insure expensive accessories and attachments separately
  • ✓Pay attention to the storage requirements against theft.
  • ✓Consider passenger accident insurance and roadside assistance
How do you find the best motorcycle insurance?+

The premium depends on the type of vehicle, your age, place of residence, and claim-free years. Finass Verzekert independently compares more than 30 insurers for the right coverage at the most competitive premium.

Which coverage suits your microcar?

For a microcar, you can choose from Third-Party Liability (WA), Third-Party Liability + Limited Comprehensive, and Full Comprehensive. Third-Party Liability is mandatory; due to the value and the battery, limited or full comprehensive coverage is often advisable.

BASIC

Third-party liability insurance

Legally required minimum

The legally required basic coverage. Third-party liability covers damage to others, but not to your own moped car, battery, or theft.

What is covered:
  • Damage to other vehicles
  • Injury to persons or third parties
  • Damage to buildings and objects
  • Damage caused by occupants
Bereken WA-Premium →
MOST CHOSEN
EXTENSIVE

Third-Party Liability + Limited Cover

Populair: diefstal & battery gedekt

In addition to third-party liability coverage, also protection against damage to your own car caused by external factors that you cannot prevent.

Extra coverage:
  • Fire and storm damage
  • Theft and burglary
  • Window breakage and glass damage
  • Collision with animals
  • Hail damage
Bereken WA+ Premium →
COMPLETE

All-risk insurance

Recommended for a new microcar

The most comprehensive coverage, including for your own fault and damage to your own vehicle, with the battery insured. The ideal choice for a microcar.

Everything from WA+ plus:
  • Damage caused by one's own fault
  • Vandalism
  • Unknown cause
  • Total loss payout
  • Collision damage
Bereken All-risk-premie →
Comparison of coverages for your moped car
CoverageWAThird-Party Liability + Limited CoverAll-risk
Damage to others (liability)
Fire, storm and nature
Theft and burglary
Window breakage and glass damage
Collision with animals
Damage to own car due to own fault
Vandalism and unknown perpetrator
Recommended forOlder moped carRegular useNew microcar

Additional coverages for your moped car

Complete your moped insurance with these modules and extensions.

Diefstal & beperkt casco

Coverage for theft, fire, storm, and glass damage to your microcar.

Battery insured (electric)

Do you drive an electric car? Then include the battery and charger under the comprehensive coverage.

Roadside assistance

24/7 roadside assistance, with recovery and replacement transport where possible.

Passenger accident coverage

Fixed benefit for permanent injury or death of the driver and passenger following an accident.

PREMIUM CALCULATION

What does your moped premium depend on?

The premium for a Moped car It depends on the model and value, your place of residence (risk of theft), the chosen coverage, your age, and your claim-free years. Insurers assess microcars differently.

By comparing via Finass Verzekert, you can see which insurer insures your moped at the lowest cost.

1
Model, waarde & woonplaats
Petrol or electric (battery value)
2
Number of claim-free years
The more years, the lower your premium (up to 80% discount)
3
Annual mileage
no-claims years and chosen coverage
4
Age of chief executive officer
Risk category based on your age
5
Postal code area
Regional theft and collision statistics

Insure your moped or switch: this is how it works

The best way to insure your moped is with the right coverage that suits your usage. We compare more than 30 insurers. Do you already have a policy? After the initial contract period, you can switch monthly; Finass Verzekert takes care of it, ensuring you are not left uninsured.

The 4 steps to switching

  1. Calculate your premium via our tool with your license plate
  2. Compare the providers and choose the best coverage for your moped car
  3. We handle the cancellation with your old insurer
  4. Your new policy takes effect immediately after the notice period

When can you cancel?

For a microcar, pay attention to the model (petrol or electric, with the battery included in the coverage) and adequate security. We find the insurer that offers the most favorable coverage for your vehicle and handle the entire switch.

Insure your moped or switch with Finass Verzekert

Frequently asked questions about your microcar

All the answers to the most frequently asked questions about your microcar, listed together.

What is a microcar and which driver's license do I need?

A microcar is a light four-wheeled vehicle (microcar, max. 45 km/h). You may drive it with an AM driving licence (from age 16); those who obtained a car driving licence before 2005 are often also allowed to drive. We advise you on your situation.

Is moped insurance mandatory?

Yes. Third-party liability insurance is legally required for at least every moped; it covers damage to others. Driving without insurance is a punishable offense.

Which coverage should I choose for my microcar?

Third-party liability is the minimum. Due to the value and the battery, limited or full comprehensive insurance is often advisable. We compare the options for you.

How do I insure an electric microcar?

For an electric microcar, it is preferable to include the battery and charger under comprehensive coverage. Since the battery represents a significant portion of the value, full comprehensive coverage is often advisable.

Is theft covered?

Only with limited or full hull coverage. Good security is often a condition and lowers the premium. We ensure the coverage is correct.

Do I have to wear a helmet in a microcar?

Nee. Een Moped car heeft een gesloten cabine, waardoor er geen helmplicht geldt — anders dan bij een scooter.

Does my insurance also apply abroad?

In most EU countries, you are insured with third-party liability coverage; check the Green Card beforehand. Comprehensive coverage abroad varies by insurer.

Can I get insurance without no-claims years?

Yes. Without claim-free years, you start at a lower tier and pay more, but insurance is always possible. We look for the most favorable starting tier.

Personal advice on your moped at Finass Verzekert
Finass mascot

Why insure your moped through Finass Insures?

As an independent advisor, we compare more than 30 Dutch insurers and know the key considerations for your moped car. Not a comparison site, but a real advisor.

  • 30+ insurersBroad comparison for the best premium
  • Within 2 minutesPremium calculated based on license plate
  • Knowledge of microcarsElektrisch, accu & AM driving license
  • Personal adviceAvailable 6 days a week

What our customers say about their Moped car

Customers rate Finass Verzekert on average with a 9.5 and the handling of car damage with a 9.8.

9.5
Customer review
9.8
Claims handling

“Mijn Moped car rijdt elektrisch; de accu is netjes meeverzekerd. Zorgeloos op pad.”

S
Sjoukje T.
Volledig casco — Moped car, accu

“Fijn dat ik zonder helm kan rijden en toch goed verzekerd ben. Helder advies over de Coverage.”

T
Table H.
Volledig casco — Moped car

“Finass adviseerde over beveiliging tegen diefstal. Scherpe premie voor mijn Moped car.”

W
Wypke L.
Beperkt casco — Moped car

“Als AM-rijder wilde ik alles goed geregeld hebben. Snel en persoonlijk geholpen.”

Y
Ytsen R.
WA — Moped car

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Category: Traffic  ·  Scooter  ·  Moped car  ·  Car brands

Ready to your Moped car to insure?

Calculate your premium and discover with which insurer your moped car is well and affordably insured. Personal and independent advice from Finass Verzekert.

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