When you own a scooter or moped in the Netherlands you are required to insurance coverage. This insurance will cover damage to others or their property while using your scooter or moped. In addition to lliability coverage you can insure againt theft, damage to your own moped or scooter and personal injury.
Most insurance companies in the Netherlands offer insurance for scooter or mopeds very similar like an insurance for cars. With WA/WA+ and All Risk.
You can choose WA which covers only damage to others.
You are not insured for damage to your scooter or moped; damage caused by theft, fire and storm; damage to your helmet.
You can choose WA+ which covers damage to other, damage caused by theft, fire and storm and damage to your helmet/lock.
You are not insured for damage to your own moped or scooter.
You can choose WA+ which covers damage to other, damage caused by theft, fire and storm and damage to your helmet/lock and damage to your own scooter or moped.
You can take Accident insurance (Ongevallenverzekering). This will cover you when you or your passenger get disabled or dies.
You can take Legal Insurance (Rechtshulp Verkeer). When you get into a legal dispute after an accident or for example the shop you bought the scooter or moped.
You will always need to check with the insurer but in most cases you basic scooter or moped insurance will cover.
Personal Injury Protection (PIP) or Medical Payments (optional)
PIP covers medical expenses for you and your passengers, regardless of who is at fault in an accident. Medical Payments coverage is similar but may have more limited coverage.
Uninsured/Underinsured Motorist Coverage (optional)
This coverage protects you if you're involved in an accident with a driver who either doesn't have insurance or doesn't have enough insurance to cover your damages.
Collision Coverage (optional)
This coverage helps pay for repairs to your scooter or moped if it's damaged in a collision with another vehicle or object.
Comprehensive Coverage (optional)
Comprehensive coverage provides protection for damages to your scooter caused by non-collision events, such as theft, vandalism, fire, or natural disasters.
Accessory Coverage (optional)
This optional coverage may help cover the cost of accessories or modifications you've added to your scooter, such as a custom paint job or upgraded parts
Univé is a cooperative insurance company in the Netherlands. Univé presents itself as a nonprofit insurer, to express that making profit is not important and therefore has cheaper products.
Centraal Beheer is one of the biggest insurance companies in the Netherlands with insurances for scooter or moped, home, car, your bike and much more.