Does a mobility scooter have an insurance requirement?

What coverage do you choose?

You have a choice between three forms of insurance, namely the third-party, and the all-risk (WA casco). TPL is the cheapest, but also offers only limited coverage. The insurer only pays out in case of damage to others. The damage to your scooter is therefore your own responsibility. With the all-risk insurance, you also get paid for your own damage in the event of an accident. Depending on the value of the mobility scooter, you choose the most appropriate insurance. The premium should be proportional to the value of the mobility scooter. You are not going to pay hundreds of euros in premium for a mobility scooter with only limited value.

What does the third-party insurance coverage offer against?

In the event of a collision, you will be paid for the damage to your own vehicle, but the coverage is broader than that. In fact, the vehicle is also insured against theft, vandalism, joyriding and damage. Unlike car insurance, for example, it does not work with claim-free years. A claim on the insurance therefore does not result in the insurance premium increasing in the following insurance year.

Where can you insure your mobility scooter?

Most insurers do not allow you to insure a disabled vehicle. You don't have to look for the insurers who will. Through Alpina.nl you can get insurance after just answering a few questions. The premium for this insurance is low. No need to shop around at multiple insurers, we have selected the best insurance for your mobility scooter for you. It can not be easier and cheaper.

After insuring your mobility scooter, you will receive an insurance plate at home. You can mount this on the back of your mobility scooter. This also shows that the vehicle is insured.

Is a mobility scooter a motor vehicle?

In terms of road safety, a mobility scooter cannot be compared to, say, a car. Nevertheless, the risk of driving a mobility scooter should not be underestimated. After all, it is a mechanically propelled vehicle with which you can cause severe property damage and injury.

As the owner of a motor vehicle, you bear strict liability. In an accident with a vulnerable road user, liability lies by default with the owner of the motor vehicle. It does not matter whether it is a truck or a mobility scooter.

Does a mobility scooter have an insurance requirement?

Like a forklift, a tractor and a sweeper, the mobility scooter falls under the heading of an unregistered vehicle. Vehicles that meet the description of a motor vehicle must be compulsorily insured. The fact that there is no license plate on the vehicle does not mean that there is no obligation to take out insurance. You take out at least the WA (third-party liability) insurance. This insurance covers damage caused by your mobility scooter. Due to strict liability, you are already liable by law for damage to others. This is different if the other party is also a motor vehicle. In that case, both parties are subject to strict liability.

I do not go on public roads with the mobility scooter

Even in that case, the obligation to insure remains. After all, you can still cause damage to others. Third-party insurance is relatively inexpensive. In fact, the insurance often costs you only a few dollars a year.

Does personal liability insurance provide coverage?

A small mistake can cause damages of thousands or even hundreds of thousands of dollars. Most people are insured for this type of damage through private liability insurance (AVP). But for the mobility scooter, this is not the solution. This is because damages caused by motor vehicles are excluded. Even if there were no insurance requirement, insuring the mobility scooter is recommended.

How should I insure my mobility scooter?

Public liability insurance is mandatory. Depending on the value of the mobility scooter, you can choose to insure the vehicle more extensively. You have the choice between third-party coverage and all-risk (WA casco) coverage. For a new or reasonably young mobility scooter, you choose the all-risk mobility scooter insurance. Even for an older mobility scooter it can still work out if the vehicle still has a high value.