Moped insurance policy terms and conditions.
Nobody goes through the policy conditions of a moped insurance policy of their own free will. They are often boring and difficult to read. However, they are important and that is why we would like to explain some parts of the policy conditions to you.
What is the excess in the moped insurance?
The deductible is the part of the damage that has to be paid for by yourself. Not all insurers use an excess. When they do, it is often an amount up to € 150. For a damage of € 1,000 you get € 850 paid, assuming an excess of € 150. Insurers use an excess to make the threshold for claiming higher.
A higher excess for young drivers
Young drivers often pay a higher premium until they are 24 years old. Insurers do this because, compared to older drivers, they cause more damage. For some insurers this is not enough. They also impose an additional excess in the policy conditions if the damage is caused by young drivers. Not all insurers do this.
Cancellation moped insurance
The moped insurance has a standard term of one year. After the first year of insurance, the insurance will be renewed for another year. After the first year of insurance the insurance can be cancelled daily. Some insurers use a term of notice of one month. This is allowed. When cancelling the moped insurance on the 5th of April, the insurer is allowed to end the insurance on the 5th of May. When selling the scooter the moped insurance can be cancelled immediately. This is logical, because there is nothing left to be insured. Also during the first year the insurance can be cancelled when the moped is sold.
Damage control by the insurer
For damage repair, insurers use damage control. This means that you should preferably have your moped repaired at a repair company designated by the insurer. They steer damage by for example lowering the own risk when you go to the affiliated repairer.
Other exclusions
In the policy conditions there are even more situations where there is no cover. For example participating in speed races or renting out the moped. Also when you drive without a valid driving licence, the moped insurance will not provide cover.
Guarantee
In the event of a collision abroad, you may have to pay bail. In extreme cases, the moped may be confiscated. It is even possible that you will end up in jail yourself. The scooter will be returned to you on payment of a deposit. The insurer will take care of this. Also if a deposit is needed to get you out of jail again.
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