What is Moped Insurance?

What does Moped Insurance cover?

Moped insurance includes Liability Insurance. If you hurt other people, their things or vehicles, you are obliged to pay for the damage. If you have moped insurance, you avoid paying for the damage out of your own pocket.

What does the insurance NOT cover?

You can’t get compensation for damage to your own moped, as IDA Forsikring’s Moped Insurance doesn’t include Comprehensive Insurance.

Why should I get Moped Insurance?

Liability Insurance is mandatory. When you own a moped, you are liable if you hurt other people, their things or vehicles. In other words, you must have Moped Insurance when you own a moped.

How high is the excess on Moped Insurance?

There‘s no excess on Moped Insurance because it only includes liability cover.

Can I insure my scooter?

If you have a small moped, big moped or a scooter, it makes no difference – all three types can be covered by Moped Insurance.

What’s the difference between a small moped and a big moped?

There are four main differences between the two types (small and big)

Number plate

• The small moped has a yellow number plate with two letters followed by four numbers.
• The big moped has a white number plate with two letters followed by three numbers.

Speed

• The small moped can only drive at a max. of 30 km/h.
• The big moped can only drive at a max. of 45 km/h.

Driving

• The small moped: must not drive on the road if there’s a cycle path.
• The big moped: must always drive on the road.

Terms

• A small moped is also known as a ‘standard moped’.
• A big moped is also known as an ‘EU moped’.

Remember that IDA Forsikring insures your moped regardless of whether it's a big or small moped.

Registration duty

In 2006, a registration duty was introduced for all mopeds. This means that all newly bought mopeds must have a number plate. If you bought a small moped before 2006, it may not have a number plate.