How is moped insurance premium calculated?
Before you purchase a moped insurance policy, you obviously want to know what you will pay in premium each month. An insurer determines the premium for moped insurance based on several factors. They look at how likely it is that they will have to pay out compensation. For this, they look at your age and place of residence, for example. The coverage you choose for your insurance also affects your premium. On Alpina.nl we show you how you can quickly and easily calculate the premium for your moped insurance.
What are the factors for calculating a premium?
As mentioned, there are a number of factors that are important when calculating the premium. These include:
- Your age
- Your hometown
- The desired coverage
- Your accumulated claim-free years
All these details can be entered into our online comparison tool. With the license plate number, we can already find out some information about your moped, such as the make and type. Don't know the license plate number for a while? Then you can also enter these details manually. If you want to take out the insurance, we will need your license plate, but you can also calculate the premium without it. Sometimes people do not know exactly how many claim-free years they have accumulated. On the basis of a few short questions, we can make an online estimate for you. The more claim-free years you have, the more premium discount you will receive.
What coverages are available for moped insurance?
With moped insurance, there are three different coverages: WA, WA + limited casco and Allrisk. For only WA coverage, you pay less than for comprehensive All-risk coverage. Therefore, the coverage affects the amount of the premium. TPL moped insurance is the minimum required coverage. This insures you for damage you cause to another person with your moped. This is also the cheapest insurance. If you want to insure theft, you can take out a limited liability coverage. In addition to liability and theft you are also insured for damage caused by fire. Do you want your moped as insured as possible? Then you can take out an all-risk moped insurance. With this you are also insured for damage to your moped caused by your own fault.
Compare moped insurance premiums.
It is important to compare the premiums of different providers carefully, as there are sometimes big differences. Sometimes people choose to go straight for the cheapest premium, without looking carefully at the coverage and conditions. Then it can happen that in case of damage or theft you are less well insured than you might want. By comparing, you will be well insured, but you will also not pay too much.
Take out your moped insurance directly on Alpina.nl!
Have you found the best moped insurance after calculating the premium? Then you can take out this directly online! Do you still have questions about insuring a moped? Then please contact us. Ask us your question by phone at 030 - 688 37 00 or send us a message via chat, WhatsApp or Messenger.
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