Is moped insurance mandatory?

Third-party cover is mandatory in the Netherlands

You are required to have at least a WA moped insurance. This is the basic coverage and the only insurance required by law in the Netherlands. If your moped is not minimally WA insured, you may not use it on public roads. If you do, and you are stopped, you will receive a hefty fine. In fact, you may not be allowed to ride any further on your moped.

A WA moped insurance covers damage you cause to another person. This is for example when you drive your moped into someone's car and cause damage. In that case the insurer will compensate the damage to the other party. Do you also cause damage to your own moped? Unfortunately, this will not be reimbursed by the insurer. You will have to take out more comprehensive cover for this.

Third Party Theft and Fire Damage

You can also choose the extended coverage WA + Theft and Fire. This not only insures you for liability damage, but also for damage to your own moped by fire or theft. However, an insurer will set a number of conditions. For example, your moped must have proper locks. You must also secure the moped with these locks at all times. If your moped is stolen while you leave it unattended and unlocked, there is a chance that the insurer will not pay out.

WA Theft, Fire and Collision

Finally, there is the most comprehensive coverage for your moped insurance: the Third Party + Fire, Theft and Collision, sometimes called the All-risk insurance. In addition to all the previously mentioned damages, you are then also insured for damage to your moped due to collision. Even if this is your own fault. Since this coverage is the most comprehensive, the premium for it is also the highest. Mostly people choose this coverage for very new mopeds, which still have a high daily value.

Take out mandatory third-party moped insurance through Alpina

Sometimes buying insurance can seem like a hassle. Of course, you want to spend as little time as possible on insurance. That's why you can get moped insurance within minutes on Alpina\.nl. You start by comparing insurers. By filling in some information about your moped, you will get an overview of all the insurances that fit your needs. You can then easily select the best moped insurance at the lowest premium. Do you still have questions? Please contact us!