View all scooter insurance policies by provider:
| inshared | unive | Centraal Beheer | |
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| from € 4,32 | from € 2,34 | from € 2,35 | |
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26% choose | 21% choose | 15% choose | |
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Compensation in case of theft | New value up to 3 years | New value up to 3 years | Acquisition value up to 3 years |
Deductible for theft | No deductible in case of theft. | No deductible in case of theft. | € 25 |
Deductible for damage | No deductible in case of theft. | € 50 | € 25 |
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If you’re an English-speaking expat in the Netherlands with a scooter or moped, it’s crucial to have the right insurance. In fact, third-party liability insurance is legally required for any motorized scooter or moped in the Netherlands.
On this website we will help you compare Dutch scooter insurance options, understand the types of coverage (WA, WA+, All-Risk), and learn about top insurers like InShared, Univé, and Centraal Beheer.
We’ll also cover typical coverage options (theft, vandalism, accident damage, etc.), security requirements (ART-approved locks, track & trace), how to file a claim, and answer frequently asked questions. Whether you’re new to the country or just unfamiliar with Dutch insurance terms, this guide is tailored for internationals to make informed decisions about scooter insurance in the Netherlands.
In the Netherlands, a scooter insurance is similar to car insurance and comes in three main tiers of coverage. Understanding these options will help you choose the right protection for your needs and budget:
Wa (wettelijke aansprakelijkheid) – third-party liability: This is the mandatory minimum coverage. WA insurance covers damage or injury you cause to others with your scooter. It will pay for others’ property repairs or medical bills if you’re at fault. However, it does NOT cover any damage to your own scooter or your own injuries. If your scooter is older or low-value, WA might be sufficient, but remember it won’t pay anything for your own losses.
WA+ (beperkt casco / limited casco): WA+ insurance includes all the third-party liability of WA, plus coverage for specific risks to your scooter. With WA+ (sometimes called “WA plus limited hull”), you are covered if your scooter is stolen or damaged by events like fire, storm, or vandalism. It often also covers broken locks or helmets in a theft or damage incident. However, WA+ still does not cover accidental damage to your own scooter from a collision that is your fault. In other words, if you crash the scooter, your own repair costs are not covered under WA+. WA+ is a popular middle option for scooters that are a few years old or where you want theft protection without paying for full all-risk insurance.
All-risk (volledig casco / full casco): All-Risk is the most comprehensive scooter insurance. It includes everything in WA+, and additionally covers damage to your own scooter even in an at-fault accident. This means if you collide with something or skid and damage your scooter, your insurance will pay for your repair. All-Risk (full hull) also typically covers any other sudden external calamities and vandalism
This coverage is wise for new or high-value scooters, as well as for e-scooters, where repair costs or theft risk is high. It is the most expensive option but offers peace of mind that virtually all scenarios are covered.
In summary, WA covers only others’ damage, WA+ adds coverage for theft and non-collision damage, and All-Risk covers your own accident damage as well. Expats should note these Dutch terms: WA-verzekering (liability only), WA+ beperkt casco (limited casco), and volledig casco or allrisk (full coverage). Evaluate your scooter’s value, your budget, and risk tolerance when choosing a plan. Remember, at minimum you must have WA insurance to legally ride on Dutch roads.
There are many insurance companies in the Netherlands, but not all have information readily available in English. Here we focus on the three major insurers known for scooter coverage: InShared, Univé, and Centraal Beheer. Each offers WA, WA+, and All-Risk policies, but with some differences in price and features. Below is a comparison of their starting monthly premiums and key features:
| Insurance company | WA (third-party only) | WA+ (limited casco) | All-risk (full casco) | Notable features |
|---|---|---|---|---|
| Inshared | From €11,33 per month | From €12,31 per month | From €16,47 per month | Online-only insurer known for low overhead and competitive rates. No sign-up fees. Offers no-claim discount for claim-free years. Standard €0 deductible for WA, €200 for WA+ and All-Risk. Fast online application and policy management. |
| Univé | From €7.97 per month | From €10.01 per month | From €15.99 per month | A Dutch cooperative insurer (non-profit) with long history. Offers 50% no-claim discount immediately (even for new riders), and up to 75% for claim-free driving. Standard €100 deductible on WA+ and All-Risk |
| Centraal Beheer | From €7,38 per month | From €10,44 per month | From €22,78 per month | Part of the Achmea group, known for the slogan “Even Apeldoorn bellen” (call Apeldoorn). Offers clear policy conditions and coverage explanations. No standard deductible on any coverage – you can even choose a voluntary excess for a premium discount. Theft coverage requires an ART3 approved lock (see security section) but no bonus-malus system (your premium won’t increase after a claim, and they don’t use no-claim years). Accessories (like helmet or top case) are automatically covered under WA+ and All-Risk |
Pricing Note: The “from €X per month” starting premiums above are indicative for a basic scooter and an experienced rider. Actual premiums vary based on factors like your age, driving history, scooter type and value, postal code, and chosen deductibles.
For example, insurers often charge a bit more for a faster bromfiets (45 km/h) than for a slower snorfiets (25 km/h). On average, insuring a slow scooter can be under € 10 per month at liability-only, whereas a full All-Risk for a newer, high-speed scooter might be €20+ per month.
It’s wise to compare scooter insurance quotes from multiple providers to find the best deal for your situation.
When comparing Dutch scooter insurance policies, look at the details of what’s covered. Beyond the main WA/WA+/All-Risk tiers, insurers often include or offer add-ons for specific coverage areas. Here are common coverage options and extras to consider:
Third-party liability (WA): Covers bodily injury and property damage that you cause to others. This is included in all policies by default (and is the only coverage in WA-only insurance). It typically provides a high coverage limit (millions of euros) since medical or liability claims can be large. This does not cover any of your own injuries or damage.
Theft and vandalism: Protection against your scooter being stolen or deliberately damaged. This is included in WA+ and All-Risk plans, but not in WA-only. If your scooter is stolen, the insurer will pay you its value (often the current market value or replacement value). Vandalism (intentional damage by others) is usually covered only under All-Risk (some insurers include it in WA+; always check). Theft coverage almost always comes with conditions – see security requirements below.
Fire and storm damage: Also included from WA+ upwards. If your scooter is damaged or lost due to a fire, lightning strike, or severe weather (storm, hail, flooding), the insurer will cover it. For example, if a storm blows a tree onto your parked scooter, WA+ or All-Risk would pay for the repairs or loss.
Passenger accident insurance (opzittendenverzekering): An optional personal accident policy covering the rider and/or passenger. It pays out compensation if you or a passenger are injured, disabled, or killed in a scooter accident, regardless of who was at fault. This coverage is not automatically included in WA/WA+/All-Risk, but you can usually add it. For example, €5/year is a typical cost for passenger coverage in some plans. Medical costs might be covered by Dutch health insurance, but this provides lump sums for serious injury or death.
Legal assistance (rechtsbijstand): Optional coverage that helps with legal costs after an accident. If you have a dispute over liability or need to recover damages from another party, a legal assistance add-on will provide you with legal advice and cover lawyer/court fees. This can be useful if you’re not fluent in Dutch bureaucracy or if an accident leads to complex claims.
Accessory coverage (helmets, locks, etc.): Many insurers automatically cover certain accessories under WA+ or All-Risk. For instance, a helmet and ART lock might be insured against theft or damage (often up to a limit). Centraal Beheer, for example, includes helmets and other accessories in their limited and full casco policies with no extra limit. If you’ve added custom parts or an expensive top-case to your scooter, check if you need to declare it or if it’s covered by default.
We’re all about helping you protect the things you value—like your moped. Our scooter insurance offers solid coverage against theft and damage, so you can ride with peace of mind.
We focus on providing affordable, straightforward insurance that suits your needs, with no hidden surprises.
Our priority is our customers, and we’re committed to offering personal service and reliable support whenever you need us.
At InShared, we believe in fair and transparent scooter insurance. Our fully online platform allows you to easily manage your policy and benefit from low premiums without unnecessary overhead costs. We offer WA, WA+ (Limited Casco), and All-Risk coverage, so you can choose the level of protection that fits your scooter and budget.
With our no-claim discount, safe riders pay less over time. And because we share our profits with claim-free customers, you’re always in control of what you pay. Get insured in minutes and enjoy stress-free riding!
Yes. If you own a scooter (brommer or snorfiets) in the Netherlands, you are required by law to have at least a WA (third-party liability) insurance.
These are the three levels of coverage for motor insurance. WA (Third-Party) covers only damage you cause to others (it’s the cheapest and the minimum legal requirement). WA+ (Limited Casco) covers third-party damage and certain damage to your scooter, like theft, fire, or storm damage.
The cost depends on many factors: your age, location, scooter model, its value, your claim history, and the coverage type. For an experienced rider with a basic 50cc scooter, WA insurance might start around €8-€12 per month.
You can insure a scooter in the Netherlands even if you have a foreign driving license, as long as you are legally allowed to ride that scooter (in NL, a car license B or bike license AM is needed for 50cc mopeds). Many insurers will insure you with an EU or international license, especially if you are a resident.
If you have theft coverage (WA+ or All-Risk), yes – you are required to use an ART-approved lock (usually category ART3 or higher for scooters) whenever the scooter is parked unattended.
Make sure everyone is safe and call emergency services if needed. Then, document the accident. Fill out the European claim form (schadeformulier) with the other party at the scene.
Passengers (your pillion rider) are not automatically covered for injury by the basic WA/WA+/All-Risk policy. The liability insurance (WA) covers others you hit, but if your own passenger is injured in an accident that is your fault, that’s not covered unless you have a passenger or accidents insurance.
Liability insurance follows the vehicle in the Netherlands, so if you lend your scooter to someone and they have an accident, the scooter’s WA insurance should cover damage to others. However, coverage for your scooter’s damage (if you have WA+ or All-Risk) can be affected. Some insurers have clauses or higher deductibles if the rider at the time of the accident was not the regular policyholder or is a young rider.
