Someone else is riding my moped. Is he insured?
Moped insurance pays for damages caused with the insured moped. Depending on the coverage chosen, the insurer also provides coverage against damage to the moped itself, but what about lending it out? Is that allowed and might problems arise from lending? Am I insured on someone else's moped?
Moped insurance is linked to the vehicle and not to the person who took out the insurance. So you can let someone else ride the moped, but on the condition that the driver is authorized to drive. Thus, he or she must have a driver's license or a moped certificate. The question is whether it is also wise.
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What are the risks of lending?
For example, it is common that the borrower is not accustomed to the moped and is therefore more likely to suffer damage. From the moped insurance perspective, there are also some important reasons not to lend the moped. Will you let someone younger ride it? Then you run the risk of a higher deductible in case of damage. Suppose you are 24 years old and you lend the moped to a friend who is 23 years old. With some insurers, this can have major consequences for the amount of the deductible in case of damage. If the borrower incurs damage, insurers can increase the deductible for that damage by up to €1,000, on top of the existing deductible. There is also another issue involved. If damage is caused by the borrower, the claim comes at the expense of your claim-free years. As a result, you may end up paying more for moped insurance.
Insurer may not provide cover for younger drivers
For younger drivers, the insurer may charge a higher deductible, but the consequences can be even greater. The insurer may exclude claims caused by drivers under 25 years of age. In that case, the consequences of damage caused by a young driver are incalculable. The insurer will not pay out or recover from you the damages they have paid out to the other party. Suppose the accident caused permanent bodily injury to a pedestrian. The resulting claims are priceless. So be very careful about lending to a younger person.
What if the borrower damages the moped?
An accident can severely damage your moped. If you are not insured for damage to your own vehicle, a problem arises. Who pays for the damage to your moped? Does the borrower have the money to compensate you financially? Also, is the borrower willing to repay the damage? So it remains to be seen whether you will get the damage paid for by the person you lent the vehicle to.
You can lend a bicycle, but don't do that with a moped. In most cases, moped insurance provides coverage, but the risks are too great.
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