Comparing and buying your speed pedelec insurance

Insuring a speed pedelec is mandatory. This is because it has officially been considered a moped since 2017. Therefore, the same rules apply to a speed pedelec as to a moped. This means that you are required to take out at least third-party insurance for your speed pedelec. This insures you for damage you cause to another person.

A speed pedelec can go up to 45 km per hour. That's pretty fast for a bicycle. At such a speed, you can easily harm another person. For example, if you accidentally collide with another cyclist or if you overlook a pedestrian. With speed pedelec insurance with third-party coverage, you are covered for this. If you also want to insure damage to your own speed pedelec, you can choose more comprehensive coverage.

There are three different coverages for speed pedelec insurance: third-party insurance, third-party + Theft and Fire or third-party + Theft, Fire and Collision. Third-party insurance is mandatory and is therefore the basic coverage. You can also opt for TPL + Theft and Fire. This insures you against theft of your speed pedelec and any accessories. This coverage also covers damage caused by attempted theft and damage resulting from joyriding. Finally, damage caused by fire and storm is also insured with this coverage. The most extensive coverage is the third-party liability + fire, theft and collision. This fully insures your speed pedelec.

You are required to have at least third-party insurance for your speed pedelec. This is because a speed pedelec has a license plate, just like scooters and mopeds. This is why a speed pedelec falls into the same category as a moped and is required to have third-party insurance. This insures you against damage you cause to another person with your speed pedelec.

The cost of third-party insurance for a speed pedelec depends on a number of things. Namely, there are a number of premium determining factors. These include your age and zip code. The purchase value of the speed pedelec also plays a role. On Alpina.nl you can calculate an indication of the monthly premium. This way, you will know exactly what the cost of your speed pedelec insurance will be.

The best speed pedelec insurance matches your personal needs. You may choose to insure your speed pedelec on a third-party basis only, but if you use your it a lot for commuting, it may be wise to choose slightly more comprehensive coverage. If your diets are badly damaged or you need assistance in an accident, it is nice to be properly insured. Therefore, think carefully about the situations in which you would like to be insured, and base your choice of speed pedelec insurance on that.