Taking out business scooter insurance
Most people have a scooter for private use, but of course you can also use a scooter for business, such as for things around your company. If you use your scooter for business, you will need business scooter insurance. With business scooter insurance, your scooter is insured in case of damage and theft, for example. You choose how extensively you want to be insured. Here you can read all about business scooter insurance.
Business or private use?
Do you use the scooter for both business and personal use? Then you may be unsure about the type of scooter insurance you should purchase. If you use the scooter for business, you should always purchase business scooter insurance. This will also provide coverage for private use. The reverse is not true. In most cases, private scooter insurance does not provide coverage for business trips. Even if you use your scooter for private rather than business purposes more often, you should take out business scooter insurance. By business use we mean, for example, visiting customers, transportation of goods, customer transportation, commuting with a business scooter or a scooter as a vehicle for a driving school. Is your scooter privately owned and are you using it for commuting? Then this is considered private use and therefore you do not need business scooter insurance.
What coverages are available for business scooter insurance?
For business scooter insurance, you can purchase only third-party coverage from us. This is the basic coverage. In the Netherlands it is a legal requirement to be insured for damage you cause to another person with your scooter. For this you can take out a WA scooter insurance. If you have damage to your own scooter after a collision, this is not insured.
Scooter as a delivery moped
Do you use your scooter for courier services or food delivery? If so, you can get special delivery scooter insurance. Keep in mind that you will pay a higher premium than with regular scooter insurance. This is because using a scooter for courier services or meal delivery involves other, greater risks. Research has shown that drivers of delivery scooters are nearly six times more likely to make claims than drivers of private scooters. Also, the damage amount is about 75 percent higher. Not all regular insurance companies dare to take on this risk. Therefore, many delivery scooters are insured through insurance company the Vereende. De Vereende specializes in insuring special risks. Where regular insurance companies drop out, they will almost always accept an application.
Get your business scooter insurance on Alpina.nl
At Alpina.nl you can easily calculate the premium for your business scooter insurance. This way you will know what you will spend each month on insurance premium. You can also compare different providers on price and content. You do this by entering some data in our online comparison tool. You indicate whether you use the scooter for business or private use. Then you will get an overview of all insurers, including their premiums. Do you have any questions about business scooter insurance? Please contact us!
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