Insuring your 45 km car

The cost of insuring a 45-mile car depends on a number of factors:

• Your age

A moped or 45 km car may be driven from the age of 16. When taking out the insurance, you must specify the age of the youngest driver. The insurer takes this into account when determining the amount of the premium. The premium for a moped insurance is a lot higher for young people than for older drivers. This is partly because young people often have less driving experience. This entails a greater risk for the insurer and this is reflected in the premium.

• Your claim-free years

Claim-free years are years in which you do not claim a claim with the insurer. Having claim-free years earns you a premium discount. The more claim-free years you have accumulated, the more premium discount you will receive. This premium discount varies per insurer. Do you have a car, but are you switching to a microcar? Then you can often transfer (part of) your claim-free years to a scooter insurance. That way you save on the insurance premium again.

• The desired coverage

You can also choose from a variety of coverages when insuring a 45 km car. The more comprehensive the coverage, the higher the final premium.

When insuring a 45 km car, you can choose from the following coverages:

• Third party liability (WA)
• Third party liability + Theft and Fire
• Third-party liability + Theft, Fire and Collision

We explain the difference between these three coverages to you below.

Third party liability (WA)

Everyone who owns a motor vehicle must have at least third-party insurance. This also applies to a 45-km vehicle. TPL insurance forms the basis of your moped insurance. With TPL insurance, the insurer will reimburse you for damage you cause to another person. This applies to damage to a vehicle and other property as well as personal injury. Damage to your own 45-km vehicle is not covered with this coverage. Since this is the basic coverage, it is also the cheapest coverage.

Third party liability + Theft and Fire

With the WA + Theft and Fire you are not only insured for damage you cause to another person with your 45 km car, but also for theft and fire damage to your own vehicle. A WA + Theft and Fire coverage often costs a little more, but then you are insured a lot more extensively.

Third-party liability + Theft, Fire and Collision

The most comprehensive coverage you can choose for 45 km car insurance is Third Party Liability + Theft, Fire and Collision. In addition to liability damage, theft and fire damage, damage to your own moped (due to a collision, for example) is now also covered.

It is always nice not to pay too much for insurance. That's why people often ask us what a cheap minivan insurance is. The cheapest insurance for a 45 km vehicle is third-party insurance without additional coverage. However, this coverage also covers the least amount of damage. Damage to your own vehicle is not insured. For this you need to choose an extended coverage. You can find cheap 45 km car insurance by comparing premiums. This way you can not only see which insurance has the best price, but also choose the coverage that best suits you and your moped. Comparing and buying cheap insurance for your 45 km car is very easy through our online tool.

Insure your 45 km car online? Then you've come to the right place at Alpina.nl ! With our handy online comparison tool you can compare different providers on premium, conditions and coverage within 5 minutes. Before the comparison starts, first fill in some information about your 45-km car. Then we need some additional data, such as the age of the youngest driver, your place of residence and your accumulated claim-free years. Then you get an overview of all providers with suitable insurance. We include as many insurers as possible in our comparison. This gives you a good overview of all providers and prices.

As an intermediary, we are not part of any insurance company. This means that we have no financial or production obligations to the companies we work with. When comparing insurance, we look at your personal situation and specific wishes regarding coverage. Alpina makes insurance clear and fast.

Alpina complies with all legal requirements of the AFM. Thus, we have the necessary licenses and diplomas and we are affiliated with the Financial Services Complaints Institute(Kifid).