View all electric scooter insurance policies by provider:
| inshared | unive | Centraal Beheer | |
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| from € 4,32 | from € 2,34 | from € 2,35 | |
| View Insurance | View Insurance | View Insurance | |
26% choose | 21% choose | 15% choose | |
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| Global coverage | |||
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| Online account | |||
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 |
| View Insurance | View Insurance | View Insurance | |
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De “vanaf” prijzen van de premies gelden voor kleine honden en katten. Indien u een volwassen hond of kat heeft zult u meer betalen voor de maandelijkse premie.
De mogelijke dekking kan van toepassing zijn op het meest uitgebreide pakket van de verzekeraar, de basis huisdierenverzekeringen omvatten vaak niet alle mogelijkheden. De maximale verzekering is het meest uitgebreide pakket die u bij de verzekeraar kunt afsluiten. De prijzen en dekkingen uit onze vergelijker zijn voor het laatste geüpdatet op 21 augustus 2024.
In the Netherlands, an electric scooter (elektrische scooter) is a compact, battery-powered vehicle designed for efficient, short-distance travel. It typically features:
A maximum speed of 45 km/h
A license plate
A helmet requirement
Road use approval under Dutch traffic laws
Whether it’s a lightweight e-scooter or a more robust electric moped model, it falls under the same insurance obligations. You’re legally required to insure your electric scooter with at least WA (liability) coverage, while extra protection against theft, fire, or accidental damage is optional but highly recommended.
When selecting insurance for your electric scooter, you can choose from several levels of coverage:
Third-Party Liability (WA): This basic, mandatory coverage insures you against damages caused to others. It does not cover damages to your own scooter.
WA + Theft and Fire: In addition to third-party liability, this option covers damages to your scooter resulting from theft or fire.
WA + Theft, Fire, and Collision (All-Risk): This comprehensive coverage includes all the above and also covers damages to your own scooter, such as those resulting from collisions.
| Insurer | Theft Coverage |
|---|---|
| InShared | Full new value (up to 3 years) |
| Univé | Full new value (up to 3 years) |
| Centraal Beheer | Purchase value (up to 3 years) |
| Insurer | Theft Deductible | Damage Deductible | Starting Price (p/m) |
|---|---|---|---|
| InShared | €0 | €0 | €11.95 |
| Univé | €0 | €50 | €12.20 |
| Centraal Beheer | €25 | €25 | €12.50 |
The cost of insuring your electric scooter depends on various factors:
Coverage Level: More comprehensive coverage typically results in higher premiums.
Scooter’s Value: Higher-value scooters may incur higher insurance costs.
Driver’s Age: Younger drivers, especially those under 24, often face higher premiums due to statistical risk factors.
Location: Urban areas with higher traffic density may lead to increased premiums.
No-Claim Years: Accumulating claim-free years can qualify you for discounts on your premium.
It’s advisable to compare offerings from various insurers to find the most suitable coverage at a competitive price. Some reputable providers in the Netherlands include:
InShared: Offers affordable and comprehensive scooter insurance with flexible options.
Univé: Provides reliable scooter insurance with customizable coverage options.
Centraal Beheer: Known for clear policies and excellent customer service in scooter insurance.
Utilizing online comparison tools can assist in evaluating premiums and coverage details effectively.
Approved Locks: To be eligible for theft coverage, insurers often require the use of ART-approved locks (category 3 or higher).
Helmet Requirements: While not directly related to insurance, wearing a certified helmet is mandatory and enhances safety.Expatica+11DutchReview+11CIRCOOTER+11
Legal Compliance: Ensure your electric scooter meets Dutch regulations, including speed limits and technical specifications, to avoid issues with insurance claims and legal authorities.
By thoroughly understanding and complying with these insurance requirements and considerations, you can enjoy the benefits of your electric scooter while safeguarding yourself against potential risks and liabilities.
Before applying, make sure you have:
Yes, if your electric scooter is approved for use on public roads and classified as a ‘bijzondere bromfiets’ (special moped), you are legally required to have at least WA (Wettelijke Aansprakelijkheid) insurance, which covers liability for damages caused to others.
In the Netherlands, the common types of coverage include:
WA (Third-Party Liability): Mandatory coverage that insures against damages you cause to others.
WA+ (Beperkt Casco): Includes WA coverage plus protection against theft, fire, and storm damage.
All Risk (Volledig Casco): Comprehensive coverage that includes WA+ benefits and covers accidental damage to your own scooter.
Several factors affect the premium, including:
Type of Coverage: More extensive coverage like All Risk will have higher premiums.
Scooter’s Value: Higher-value scooters may cost more to insure.
Driver’s Age: Younger drivers, especially those under 24, often face higher premiums.
Location: Urban areas with higher traffic density may lead to increased premiums.
No-Claim Years: Accumulated claim-free years can qualify you for discounts.
Yes, to be eligible for theft coverage, insurers often require the use of an ART-approved lock (category 3 or higher). This ensures the lock meets specific security standards.
Yes, wearing a certified helmet is mandatory for all moped riders, including those using electric scooters classified as ‘bijzondere bromfiets’.
Most Dutch electric scooter insurance policies include coverage within the European Union. However, it’s advisable to check your specific insurer’s terms to confirm travel limits and required documentation.
Ensure Safety: Check for injuries and move to a safe location if possible.
Notify Authorities: Contact the police if there are injuries or significant damages.
Document the Scene: Take photos and gather contact information from any involved parties and witnesses.
Report to Insurer: Inform your insurance company as soon as possible to initiate the claims process.