Can I get business moped insurance?
Do you have a moped that you use for business, such as for your own company? Then you need a business moped insurance. In most cases a private moped insurance does not provide coverage for business use. With a business moped insurance your moped is insured for example for damage and theft, depending on which coverage you take out. You can customize your insurance to fit your moped and personal situation. On Alpina.nl we tell you more about business moped insurance.
What if I use the moped for both business and personal use?
Perhaps you use your moped for both business and personal use. If so, what kind of moped insurance should you purchase? Business moped insurance provides coverage for private use as well, but private moped insurance often does not provide coverage for business use. If you use your moped (also) for business, you need to take out a business moped insurance. Even if you use your moped more often for private than business purposes. By business use we mean, for example, visiting clients, transporting goods, transporting clients, commuting with a company moped or a moped as part of a driving school. Do you use your own moped for commuting? Then this falls under private use and you do not need to take out business moped insurance.
What coverage for business moped insurance?
With business moped insurance, you have a choice of three different coverages: WA, WA+ theft and fire and WA+ theft, fire and collision. In the Netherlands, you are required to have at least a WA insurance for a motor vehicle. This insures you for damage you cause to another person with your moped. This is the basic coverage for moped insurance and therefore the cheapest. Damage to your own moped is not insured with this coverage. For this you can choose the WA+ theft and fire insurance, also called WA limited casco. With this you are, besides liability damage, also insured for damage to your moped by, for example, fire and storm. Theft is also covered. Do you want your moped as insured as possible? Then you can take out an All-risk moped insurance, or WA+ theft, fire and collision insurance. This is the most extensive and therefore most expensive coverage.
Business delivery moped
Do you have a business moped that you use for food delivery, such as as a pizza delivery driver? Then you can take out a separate delivery moped insurance policy for this. Using a moped for delivery involves other risks. Research shows that drivers of delivery mopeds are almost six times more likely to sustain damage than drivers of private mopeds. In addition, the amount of damage is also 75 percent higher. As a result, insuring a delivery moped is often a lot more expensive than insuring a private or business moped. Many delivery mopeds are insured through insurance company de Vereende. De Vereende is specialized in insuring special risks. Where regular insurance companies drop out, they will accept an application. Keep in mind that the premium is higher than for a regular moped insurance.
Taking out business moped insurance? Calculate your premium directly on Alpina.nl!
On Alpina.nl you can already calculate the premium for your business moped insurance. You do this by entering some information about your moped in our online comparison tool. You can also indicate here whether you use the moped for business or private use. Next, you will immediately get an overview of all providers, including their premiums. Do you still have questions? Please contact us!
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