A scooter insurance Taking out insurance in 2026 can quickly feel like searching through a maze of premiums, coverages, and fine print. Yet, it is simpler than it seems: in the Netherlands, you are legally required to take out at least third-party liability insurance as soon as your scooter has a license plate. The main question is: which coverage suits your scooter and how much do you pay for it? A 16-year-old with a moped in Amsterdam pays a completely different premium than an experienced commuter with an electric scooter in a village.
In this guide, you compare the three types of coverage (third-party liability, limited comprehensive, and all-risk), see what scooter insurance will cost in 2026, compare the largest providers (ANWB, Univé, Centraal Beheer, Interpolis, Independer), and read what you need to know about special situations such as 16-year-olds, electric scooters, and theft. After reading this page, you will know exactly which policy suits your scooter and how you can save hundreds of euros per year — without compromising on coverage.
Key points
- Third-party liability insurance is legally required as soon as your scooter has a license plate. Without a valid policy, you risk a fine of € 460 plus seizure.
- The average scooter insurance will cost between in 2026 € 8 and € 45 per month, depending on age, place of residence, coverage, and type of scooter.
- For a new electric scooter, comprehensive insurance is almost always the smartest choice: the battery represents 30 to 45 percent of the value and is not covered by third-party liability.
- An ART-3 approved lock is mandatory for theft coverage with virtually all providers, plus the ability to present two original keys.
- You accrue no-claims years per scooter policy; your car no-claims years are not directly transferable, but a family discount of up to 25 percent is possible.
- 16-year-olds often pay 40 to 60 percent more in premiums than those in their thirties; an ART-4 lock and storage in a closed space significantly reduce this premium.
What is scooter insurance and is it mandatory?
Scooter insurance is a liability policy that covers damage you cause to others or their property with your scooter. In the Netherlands, this insurance is legally mandatory for every motorized vehicle on public roads. This obligation stems from the Motor Vehicle Liability Insurance Act (WAM). You are not allowed to ride without a valid policy, even if the scooter is merely parked in a shed with an active license plate.
The WAM obligation applies to all scooters with a license plate: light mopeds (blue license plate, 25 km/h), light scooters (yellow license plate, 45 km/h) and motor scooters (yellow license plate, > 50 cc). Also electric scooters such as the modern IVA models are subject to the same rules. Anyone driving without insurance risks a fine of € 460, seizure of the vehicle and liability for all damage caused at one's own expense.
When do you need to insure your scooter?
You are required to insure your scooter from the moment it is registered in your name in the vehicle registration register. This applies even if you are not using the scooter (yet). Do you not want to ride for a while? Then you can suspend at the RDW; the obligation to insure lapses during a suspension.A suspension costs € 26,40 and is valid for a maximum of one year (renewable). For many riders who only use their scooter during the high season, suspending is more cost-effective than continuing to pay.
What exactly does scooter insurance cover?
Basic coverage (Third-Party Liability) exclusively covers damage to others. Damage to your own scooter — caused by a fall, single-vehicle accident, or theft — is covered under Third-Party Liability. not covered. For those types of risks, you need limited comprehensive or all-risk coverage. The standard coverage amounts under third-party liability will be in 2026. € 1.300. 000 for material damage and € 6.450. 000 for personal injury per event. Those amounts seem high, but in an accident resulting in injury, they can hit you faster than you think.
In addition to these three main coverages, most insurers offer optional add-ons: driver accident insurance, legal assistance, roadside assistance, and accessory coverage for your helmet and clothing. These options are by no means always necessary — especially if you already have car insurance with legal assistance or roadside assistance.
Types of coverage: Third-party liability, limited comprehensive, and all-risk compared
With scooter insurance, you choose between three levels of coverage: third-party liability (WA), third-party liability plus limited comprehensive, and all-risk (fully comprehensive). Each level adds extra coverage — and costs more in premiums. The right choice depends on the value of your scooter, the risk of theft in your area, and how much risk you are willing to bear yourself.
Coverage comparison table
| Coverage | WA | Third-party liability + limited comprehensive coverage | All-risk |
|---|---|---|---|
| Damage to others | Yes | Yes | Yes |
| Theft | No | Yes | Yes |
| Fire, storm, hail | No | Yes | Yes |
| Vandalism | No | Yes | Yes |
| Damage caused by one's own fault | No | No | Yes |
| Collision without a counterparty | No | No | Yes |
| Suitable for | Old/cheap scooter | Average scooter, limited risk | New (electric) scooter |
| Average premium/month | € 8 – € 15 | € 14 – € 25 | € 20 – € 45 |
When do you choose third-party liability?
Third-party liability makes sense if your scooter is older than seven years or has a current market value below the € 800. In the event of theft or damage, the compensation is so low that the extra comprehensive insurance premium is no longer recouped. It is also the choice for those who have a backup scooter or rarely ride and consciously accept the risk.
When do you choose limited comprehensive coverage?
Limited comprehensive coverage is the golden mean. You get theft and natural damage coverage, but without the premium increase of full comprehensive. For scooters between two and seven years old in an urban environment (Amsterdam, Rotterdam, Utrecht, The Hague), this is often the best value for money choice.
When do you choose comprehensive insurance?
All-risk is the smartest choice for new scooters, especially the electric variants such as the IVA E-GO S4 or E-GO S5. A one-sided fall against a post can happen very quickly € 800 to € 1.500 resulting in damage — with an advanced battery or control unit, this increases further. All-risk also covers this self-inflicted damage. On average, you recoup the extra premium with one claim every three years.
Costs of scooter insurance in 2026
The cost of scooter insurance in 2026 averages between € 8 and € 45 per month. The wide variation is due to the fact that insurers calculate your premium based on nearly ten risk factors. A 17-year-old in Amsterdam East sometimes pays four times as much as a 35-year-old in a Brabant village — for exactly the same scooter.
What is your premium based on?
- Driver's age 16- to 24-year-olds fall into a high-risk profile and pay 40 to 60 percent more than people in their thirties.
- Place of residence. In the four major cities, the premium is 30 to 45 percent higher than in rural areas, primarily due to theft statistics.
- Type of scooter A light moped (25 km/h) is cheaper to insure than a light scooter (45 km/h). Electric scooters often fall in between, with a specific risk category.
- Catalogue value. A scooter of € 4.500 costs more in hull insurance premium than a second-hand model of € 1.200.
- No-claims years. Each year without a claim yields up to 75 percent discount on the base price.
- Deductible. A higher chosen deductible (€ 300 or € 500 instead of € 150) lowers your premium by 10 to 20 percent.
- Security and parking. An ART-4 lock plus secure storage can yield a discount of up to 15 percent.
Sample premiums 2026
| Profile | Scooter | Coverage | Monthly premium |
|---|---|---|---|
| 16 years old, Amsterdam | Moped, € 1.800 | WA | € 18 – € 24 |
| 16 years old, Amsterdam | Moped, € 1.800 | All-risk | € 42 – € 58 |
| 25 years, Utrecht | E-scooter, € 3.500 | Third-party liability + limited comprehensive coverage | € 22 – € 28 |
| 35 years old, village in North Brabant | E-scooter, € 3.500 | All-risk | € 18 – € 24 |
| 45 years old, Rotterdam | Moped, € 2.800 | All-risk | € 24 – € 32 |
| 60 years, village Drenthe | Moped, € 1.500 | WA | € 8 – € 11 |
How do you calculate scooter insurance without a license plate?
Would you like an indication of the premium before buying a scooter? Almost all major providers (ANWB, Univé, Independer, Centraal Beheer) have an online calculator where you can get an estimate based on make, model, and year of manufacture — without entering a license plate number. You only provide your postcode, age, and desired coverage. You only enter the license plate number during the final application. The displayed premium is a guideline; the final amount may deviate by up to 10 percent after the official risk assessment.
5 ways to save on your scooter insurance
- Choose annual payment. Provides an immediate discount of 3 to 6 percent compared to monthly payments.
- Increase your deductible. By € 150 Unpleasant € 300 delivers often € 30 to € 60 savings per year.
- Combine policies. A package discount with the same insurer (car, contents, scooter) saves 5 to 10 percent.
- Park your scooter securely. A locked garage or storage unit plus an ART-4 lock can provide a 10 to 15 percent discount.
- Compare annually. Switch on the main expiry date (January 1st for many insurers) — a difference of € 80 to € 200 per year is no exception.
Insurers compared: ANWB, Univé, Centraal Beheer and more
The Dutch market for scooter insurance is dominated by six major providers. Each has its own focus: ANWB strong in roadside assistance, Univé in regional customer service, Centraal Beheer in competitive entry-level prices, Interpolis in digital convenience, Independer as a comparison site, and InShared as an online-only budget option. Below you can see the key differences in 2026.
Scooter Insurers Comparison Table 2026
| Provider | Strongest point | Average liability premium | Roadside assistance included | Customer rating 2026 |
|---|---|---|---|---|
| ANWB | Roadside assistance, broad coverage | € 12 – € 18 | Yes (Roadside Assistance members) | 8.2 |
| Univé | Regional service, no-claim | € 10 – € 16 | Optional | 8.0 |
| Central Management | Competitive online price | € 9 – € 14 | Optional | 7.8 |
| Interpolis | Digital claims processing | € 11 – € 17 | No | 7.9 |
| Independer | Comparison tool, transparent | € 8 – € 15 | Depending on choice | 7.7 |
| InShared | Online-only budget | € 8 – € 13 | No | 7.5 |
Scooter insurance with the ANWB
With a market share of approximately 30 percent, the ANWB is the largest provider for two-wheelers in the Netherlands. A strong point is the integration with the Roadside Assistance — breakdowns on the road with your scooter are handled just like for a car, including towing assistance to the nearest dealer. ANWB members receive a standard 5 percent discount on the premium, and with multiple policies, the package discount rises to 10 percent.
Point of attention: the ANWB applies strict security requirements (ART-3 lock, two original keys, reporting within 24 hours in case of theft). For scooters above the € 3.500 For the catalog value, SCM-approved track and trace is sometimes mandatory. Read the policy document carefully: non-compliance will invalidate theft coverage.
Scooter insurance with Univé and Centraal Beheer
Univé scores highly on customer service and operates a cooperative model — with good results, you receive a portion of the premium back. Centraal Beheer is online-oriented and offers a more competitive entry price, ideal for those who want to manage their policy entirely digitally. Both providers accept electric scooters without a surcharge, provided they are inspected and have a valid license plate.
Independer as a comparison site
Independer is not an insurer but an independent comparison site. You enter your details once and immediately receive premium comparisons from five to ten providers. For those who do not have time to request a quote from each insurer individually, this is an efficient approach. Please note that not *all* providers are visible via Independer — some (such as Centraal Beheer) only sell directly.
Special situations: 16-year-olds, electric scooters and theft
Three groups more frequently encounter differing premiums or conditions regarding scooter insurance: young drivers, owners of electric scooters, and victims of theft. Below is what you need to know for each group.
Scooter insurance for 16-year-olds
A 16-year-old with a moped will pay on average in 2026 € 18 to € 24 per month for liability insurance, and € 42 to € 58 for comprehensive insurance. That is 40 to 60 percent more than a thirty-something on the same scooter. Reason: young drivers are statistically overrepresented in accidents.
Important rule: the scooter must be insured in the name of the chief executive. Many parents want to register the scooter in their own name to save on premiums, but insurers view this as fraud if the child actually uses the scooter daily. In the event of a claim, the insurer may then refuse to pay out. Always provide the correct primary driver, even if it is more expensive.
Tip for parents: a family discount of up to 25 percent is available from most providers if you already have car insurance. In practice, this often brings you down to an acceptable premium level.
Electric scooter insurance
Insuring an electric scooter works largely the same as for a petrol scooter, but with three specific points to consider. A: the battery represents 30 to 45 percent of the purchase value — on average € 600 to € 1.200 for replacement. With a third-party liability policy, you lose this value in the event of theft or a single-vehicle accident. Comprehensive insurance is therefore almost always the smartest choice for new e-scooters. Two: Original parts are crucial — always use parts from an authorized supplier when repairing. IVA dealer to retain warranty and insurance coverage. Three: Some insurers offer a specific "e-scooter discount" of 5 to 10 percent, because electric scooters are statistically involved in accidents less often.
What to do in case of theft?
In the event of theft of your scooter, you must act within 24 hours. You follow four steps:
- File a report with the police within 24 hours (online via politie.nl allowed). Request an official report number immediately.
- Report to your insurer within 24 to 48 hours, by phone or via the app. Include the police case number.
- Hand over two original keys and the lock to the insurer. Without both keys, most insurers will not pay out anything.
- Wait for the investigation period to conclude. Standard 30 days; upon discovery, you get the scooter back, otherwise payment follows within 14 days after the end.
The reimbursement depends on your coverage and the age of the scooter. With comprehensive insurance and a purchase value scheme (first year), you will receive the full purchase amount back. After that, the current market value plus any indexation applies. Therefore, always keep your original purchase invoice digitally.
Do you want to minimize the risk of theft? Invest in an ART-4 lock (€ 80 – € 150), park your scooter in a locked garage and consider insured track-and-trace. Good security lowers your premium and reduces the chance of a traumatic morning at an empty parking spot.
Choosing the right scooter insurance in 2026
At its core, choosing scooter insurance is a trade-off between three things: the value of your scooter, your risk profile (age, place of residence), and how much financial setback you are willing to absorb yourself. For a new electric scooter, comprehensive coverage is almost always the right choice. For an old, second-hand moped, third-party liability (WA) is sufficient. Limited comprehensive coverage offers a logical middle ground in between.
Compare at least three providers before you sign up — differences from € 100 to € 300 per year are no exception. When making your choice, pay attention not only to the premium, but also to the security requirements, the deductible, and the purchase value scheme in the first year. Discover the electric scooters from IVA Mobility — modern, sustainable, and easy to insure with any major Dutch provider.
Frequently asked questions about scooter insurance
How much does scooter insurance cost per month in 2026?
Scooter insurance will cost between on average in 2026 € 8 and € 45 per month. The price depends on your age, place of residence, type of scooter, and chosen coverage. A 35-year-old with third-party liability insurance on a moped in a village pays around € 9 per month. A 16-year-old with comprehensive insurance on a moped in Amsterdam quickly ends up € 48 to € 58 out per month.
Is scooter insurance mandatory in the Netherlands?
Yes, third-party liability scooter insurance is legally required for every scooter with a valid license plate in the Netherlands. This obligation stems from the Motor Vehicle Liability Insurance Act (WAM). Without a valid policy, you risk a fine of € 460, Confiscation of your scooter and liability for all damage caused at your own expense. Suspending registration via the RDW is a legal way to temporarily be uninsured when you are not riding.
What is the cheapest scooter insurance?
The cheapest scooter insurance is usually found with online-only providers such as InShared, Centraal Beheer, and Independer-vergelijking. For a 35-year-old with third-party liability coverage on a moped in a quiet region, the premium starts around € 8 to € 13 per month. Always compare at least three providers — the difference between the cheapest and the most expensive is often € 100 to € 300 per year for exactly the same coverage.
How much does scooter insurance cost for a 16-year-old?
Scooter insurance for a 16-year-old will cost on average in 2026. € 18 to € 24 per month for third-party liability insurance. For comprehensive insurance, this rises to € 42 to € 58 per month. That is 40 to 60 percent more than a 30-year-old pays on the same scooter. Tip: choose a family discount via the parents' existing car insurance — this can result in a discount of up to 25 percent.
Can I calculate scooter insurance without a license plate?
Yes, virtually all major providers (ANWB, Univé, Centraal Beheer, Interpolis) have an online calculator that allows you to get a premium indication without a license plate number. You enter your postcode, age, make, model, and year of manufacture, and choose coverage. You only enter the license plate number for the final application. The displayed premium is an indicative price; the final amount may deviate by up to 10 percent.
What does third-party liability insurance cover for my scooter?
Third-party liability scooter insurance exclusively covers damage that you cause to others or their property with your scooter. The standard coverage amounts are € 1.300. 000 for material damage and € 6.450. 000 for personal injury per incident. Damage to your own scooter — due to theft, vandalism, or a single-vehicle fall — is not covered by third-party liability. For those types of risks, you need limited comprehensive or all-risk insurance.
What should I do if my scooter is stolen?
In the event of theft of your scooter, take four steps within 24 hours: file a report with the police (online via politie.nl (allowed), report the theft to your insurer, hand over both original keys and the lock, and wait out the standard investigation period of 30 days. With comprehensive coverage and a purchase value clause, you will receive the full purchase amount back in the first year. After that, the current market value of the scooter applies.
How do I insure an electric scooter?
You insure an electric scooter in the same way as a petrol scooter — via third-party liability, limited comprehensive, or all-risk. For new e-scooters, all-risk is almost always the smartest choice, because the battery represents 30 to 45 percent of the purchase price.Some insurers offer a specific "e-scooter discount" of 5 to 10 percent. When repairing, always use original parts from an authorized dealer to maintain warranty and coverage.
Which lock is required for theft coverage?
Virtually all Dutch insurers require at least an ART-3 approved lock for theft coverage. For scooters above the € 3.500 For catalog value — often electric models — an ART-4 lock or additional SCM-approved track-and-trace is required. In the event of theft, you must be able to present both the lock and both original keys, otherwise the payout will be forfeited.
Can I use my no-claims bonus from my car insurance for my scooter?
No, no-claims years from a car insurance policy are not directly transferable to a scooter policy. The systems for cars and two-wheelers are separate in the central Roy-data database. However, most insurers do offer a family discount of 10 to 25 percent if you already have car insurance with the same company. You therefore build up no-claims years independently per scooter, but the transfer from a previous scooter insurance policy is retained when switching.
Leave a comment
This site is protected by hCaptcha and the hCaptcha Privacy Policy and Terms of Service apply.