Do you need to buy moped insurance as a 16-year-old?
In the Netherlands, you are allowed to ride a moped from the age of 16. After a few lessons, a practical exam and getting your license, you may have your own moped! Of course you want to get on the road as soon as possible. Unfortunately, there are some less exciting things to think about, such as moped insurance. You are always obliged to have at least a third-party moped insurance. This insures you for damage you cause to another person with your moped. On Alpina.nl we tell you everything you need to know about moped insurance as a 16-year-old.
What should I pay attention to when taking out moped insurance as a 16-year old?
It is important to know that a young driver pays more for a moped insurance than an older, more experienced driver. This is because the risk of damage is much higher for a young driver. Therefore it is sometimes recommended to insure the moped in the name of the parents. Unfortunately, this is not a good solution. When taking out a moped insurance, the insurer asks for the age of the youngest driver of the moped. This has to be answered honestly. If this information is withheld, the insurer can see this as fraud. How small the withholding of such information may seem, the consequences of insurance fraud can be considerable. In addition, you do not build up your own claim-free years. This will give you a discount on the premium of your moped insurance.
Take out moped insurance in 4 steps
Getting moped insurance as a 16-year-old actually works the same as for an older driver. It is often thought that it takes a long time to get moped insurance. However, this is not so bad. Comparing and taking out moped insurance takes only a few minutes at Alpina.nl . To do this, you can follow the following steps:
Step 1: Fill in some details about yourself and your moped
Step 2: Choose the desired coverage(third-party, third-party + limited hull or all-risk) and additional coverage
Step 3: Compare moped insurances on price and content
Step 4: Close your moped insurance!
Take out moped insurance directly through Alpina
Of course, you would rather be on the road with your moped now than later. That is why we have made taking out moped insurance very easy at Alpina.nl. In 4 steps, you will soon have a moped insurance and you can finally hit the road.
Do you have any questions about taking out moped insurance as a 16-year old or would you like some advice? Then don't hesitate to contact us! Our insurance specialists are available Monday to Friday from 08.00 to 18.00. You can call them at 030 - 688 37 00 or send them a message via chat, WhatsApp or Messenger.
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