What does moped insurance cost?
When you want to purchase moped insurance, you naturally wonder what the premium will be that you will have to pay. What moped insurance costs depends on a number of factors. First, your age is a determining factor. In addition, risk plays a role. What risks do you want covered? The higher the risk to the insurer, the higher the premium. At Alpina, we compare moped insurance on price, but also on quality. Have you found a moped insurance that suits you? Then you can also purchase it online directly.
What is the approximate cost of third-party insurance for a moped?
How much moped insurance costs is not a question that can be answered easily. The premium you pay depends on a number of factors. First, it determines which moped insurance you will purchase. You can choose from different coverages. The cheapest moped insurance is the third-party insurance. TPL stands for third-party liability. Taking out third-party moped insurance is a legal obligation when you are the owner and driver of a moped.
To give you an idea of the approximate cost of third-party motor insurance, here are two examples:
| Type of moped | Moped up to 25km | Moped up to 45km |
|---|---|---|
| Use | Private | Private |
| Cover | WA-Coverage | WA-Coverage |
| Age of driver | 25 | 41 |
| Town/City | IJsselstein | Assen |
| Claim-free years | 3 | 11 |
| Catalogue value | 3709 | 1399 |
| Insurer | Nationale-Nederlanden | Unigarant |
| Premium WA per month | €17.99 | €10.10 |
Cost WA + theft, fire and collision (All-risk) moped insurance
You can also choose between WA + theft and fire (limited casco) or WA + theft, fire and collision (All-risk). With WA + theft and fire you are also insured for theft or fire, for example. The cost for a WA + theft, fire and collision (All-risk) moped insurance is the highest. But then you also have the most comprehensive coverage for your moped. With an All-risk moped insurance you are also insured for damage to your own moped, even when it is your own fault.
To give you an idea of what moped insurance with third-party liability + theft, fire and collision coverage costs approximately, below are 2 examples:
| Type of moped | Moped up to 25km | Moped up to 45km |
|---|---|---|
| Use | Private | Private |
| Cover | WA Theft, Fire and Collision | WA Theft, Fire and Collision |
| Age of driver | 18 | 30 |
| Town/City | Amstelveen | Scherpenzeel |
| Claim-free years | 0 | 7 |
| Catalogue value | 1649 | 2549 |
| Insurer | Unigarant | Unigarant |
| All-risk premium per month | €122.84 | €29.15 |
Your moped insurance coverage.
Third-party liability (mandatory)
- Damage to others
- Theft and fire damage
- Damage to own moped
WA Theft and Fire
- Damage to others
- Theft and fire damage
- Damage to own moped
WA Theft,Fire and Collision (All Risk)
- Damage to others
- Theft and fire damage
- Damage to own moped
What factors determine the cost of a moped insurance?
So what moped insurance costs depends largely on the type of coverage you choose. But there are more factors that affect the premium. Having claim-free years is also an important premium determinant. The more claim-free years you have accumulated, the more discount you will receive on your premium. In many cases, it is also possible to use claim-free years from another vehicle for your moped insurance.
Age of driver
Your age as a driver also determines the cost of moped insurance. Insurers see that young drivers generally incur more damage than older drivers. Therefore, the premium for moped insurance is age-related.
In principle, the registration holder of a vehicle should take out appropriate insurance himself. This is because the license plate holder of the moped is required to have insurance: at least third-party insurance must be taken out. If, for example, the parents have the moped in their name, they can take out moped insurance. If, for example, their son or daughter rides the moped, the youngest driver must be registered with the insurance company. This is to avoid problems in case of damage.
Moped insurance costs depending on place of residence
Insurers see living in the city as a certain risk compared to a very quiet rural area. For example, the chance of vandalism or theft is higher, and collisions are also proportionally more common. Therefore, the cost of moped insurance is higher in an urban area.
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