How do I act if my moped or scooter is broken?
Moped or scooter broken? Even if your moped or scooter is broken, it must be insured. So officially terminating a moped insurance is not possible at that moment. However, you do not want to pay premiums for a broken vehicle. What can you do then?
Moped insurance is mandatory
A moped owner is required to have moped insurance in the Netherlands. After the license plate has been registered in your name at the RDW, the moped must be at least WA (third-party liability) insured. This covers you for damage you cause to others with your moped.
Quitting moped insurance not possible
You cannot simply terminate your moped insurance if your moped is broken. Since the license plate of the moped is still registered in your name, you are obliged to have at least a third-party insurance for the moped. Thus, you may still be paying premiums for a moped or scooter that you no longer use at all.
What is the solution?
If you do not use the moped for a certain period of time, you can consider having the registration of your moped suspended at the RDW. After this, you can suspend the insurance so you no longer pay the premium. In other words, the insurance of your moped will be paused by the insurer. Have you transferred too much premium to your moped insurer at the time you have your moped insurance suspended? No worries. The insurer will set this off at a later stage if the insurance is reactivated or discontinued.
Moped to be scrapped
Is your moped beyond repair? Then your moped can be taken to the scrapyard where you will receive a release certificate. This certificate indicates that the license plate has been removed from your name. So now you can stop the moped insurance. Have you had the moped insurance suspended with your moped insurer? Then you can send this release certificate to indicate that the moped is no longer in your name and that the insurance may be discontinued. If there is no new moped to replace it, any excess premium paid will be settled with you.
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