Registering youngest driver
Are you fully aware of all the conditions surrounding your moped insurance? For example, did you know that insurers apply strict conditions regarding younger drivers? Reporting the youngest driver is therefore very important. And do you know if your security lock meets the requirements of the insurer? We list a number of important issues for you.
Why is giving up the youngest driver so important?
Moped insurance is linked to the vehicle and not to the person who purchased the insurance. So you may allow someone else to 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. Specifying the youngest driver is very important when it comes to moped insurance. Insurers consider younger drivers a greater risk. As a result, the age of the youngest driver is a premium determinant.
Big risk if you fail to declare youngest driver
If you do allow a younger person than the person listed on the policy to ride the moped or scooter, you run a great risk. This is because there are strict conditions attached to a moped insurance policy and the consequences of not complying with these conditions are enormous. Examples of the possible consequences are:
- No coverage, in case of damage the costs will be recovered from the policyholder.
- (Extra) increased deductible in case of damage, this can be up to €1,000!
What to do.
Review the policy information and your policy schedule (clauses) carefully to see exactly which of the above policy terms apply to your insurance. This is because the policy information and policy conditions are always leading. We advise you to contact us as soon as possible if the actual driver is younger than stated in the policy. In consultation we will correct the policy sheet, this change may have consequences for the premium.
Mandatory lock for your moped ART3
For moped insurance with WA limited hull or all-risk coverage, the insurer requires that you use a lock with ART certification. For a moped with WA limited body or all-risk coverage, you must have at least an ART 3 lock. When you do not use an approved lock, there is no coverage in case of theft. So check carefully whether your lock meets the insurer's requirements. Basic third-party coverage does not include theft coverage anyway, so there is no requirement for the insurer's lock.
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