Everything you want to know when insuring a scooter
A scooter is ideal for those who want to get from A to B quickly and flexibly. No traffic jams, hardly any parking stress and you’re always outside moving around. But once you hit the road, some responsibility comes with it. A scooter insurance is not only mandatory, it also helps you avoid unexpected expenses if something goes wrong. And there are quite a few choices to make, depending on your situation.
Why scooter insurance is mandatory
In the Netherlands, you are required by law to have at least third-party insurance for your scooter. This insures you for damage you cause to others. For example, if you accidentally drive into a parked car or hit another road user. What many people do not know is that this basic coverage does not cover damage to your own scooter. That is only possible if you choose a more extensive coverage, such as WA+ or Allrisk.
Still, it’s good to know that even with only WA, you can just hit the road safely and legally. The main question is: how often do you use your scooter, and how likely is it that something will happen? This will determine whether extended coverage is worth considering.
What is smart with daily use?
Do you drive to work, school or the train station every day? Then it makes sense that you want just a little more security. Think of theft, storm damage or small accidents you cause yourself. These fall outside the standard WA coverage, but are often included in WA+ or All-risk.
With WA+ you are usually covered for damage caused by fire, natural disasters or theft. All-risk goes one step further and also covers damage you cause yourself. This is especially interesting if your scooter is relatively new or if you have no buffer to absorb unexpected costs.
What determines your insurance premium?
As with a car, your scooter insurance premium depends on several factors. Age, place of residence, type of scooter and number of claim-free years are the most important ones. Do you live in a busy city? Then the premium is usually higher than in a quiet suburb. The power of your scooter also counts: faster models carry more risk and this is reflected in the cost.
In addition, you can save by driving claim-free. Every year without a claim often earns you an extra discount. And that can add up considerably after a few years. Also your choice of coverage has influence. Third-party insurance is cheaper, but also covers less.
Why people often start with WA
Especially with used scooters or novice riders, a wa insurance scooter a popular choice. At least you are then insured for damage to others, while your premium remains low. It’s a logical option if you have an older model, or if you use your scooter mostly in quiet areas.
At the same time, it is good to think about the risk of damage or theft. Is your scooter often parked outside, for example at a train station or in a busy neighborhood? Then extended coverage may actually be more advantageous in the long run. You then avoid having to pay everything out of pocket in case of damage or theft.
What should you pay attention to when closing?
You don’t choose a scooter insurance policy on price alone. Also pay attention to the terms and conditions. Are there requirements for locks or storage for theft coverage? Does your premium get lower as you accumulate more claim-free years? And how quickly can you report or adjust claims if something changes in your situation?
Also useful: some insurers offer additional options, such as roadside assistance or legal aid. For some this is superfluous, for others a nice extra security. In any case, it pays to compare everything carefully before you click on ‘take out’.
Comparing and closing online is easy
The great thing is that nowadays you can just arrange everything online. You immediately see the difference between the types of coverage, what the monthly costs are and what is or is not covered. A scooter gives you freedom, convenience and speed. But to really ride carefree, a suitable insurance is at least as important. It doesn’t have to be expensive or complicated, as long as you know what suits your situation. And with the right insurance you can drive the streets in a more relaxed way. Do you go for basic? Or do you opt for extra coverage? The good thing is that you are in control, without being tied to anything before you make a choice.