Insuring a Scooter Without a Driver's License

Yes, you can buy a scooter even without a driver’s license. When transferring the registration to your name, you’ll need to show a form of identification. However, this doesn’t necessarily have to be a driver’s license; you can also prove your identity with an ID card or passport. Once the scooter’s registration is in your name, you’re required to purchase scooter insurance. You must have at least third-party liability coverage for your scooter. You’re not allowed to ride a scooter without a driver’s license, but you can still buy one. Some insurers won’t issue scooter insurance if you don’t have a driver’s license.

If you don’t have a driver’s license yet, you’re not allowed to ride a scooter. Not only is it dangerous and a criminal offense, but you’re also uninsured. In the event of an accident, the consequences could be incalculable. An insurance company may refuse to cover the damages, which means you’ll have to pay the costs yourself. Imagine hitting someone with your scooter and causing them to become disabled. The physical injury is serious enough on its own, and on top of that, the costs associated with personal injury can run into the (ten) thousands of euros. If the insurance company refuses to pay, you’ll have to cover the financial damages yourself. You could end up paying for that for the rest of your life.

Yes, you can still insure your scooter even without a driver’s license. However, not every insurer will accept you. To find out which insurers will accept you without a driver’s license, you can use our online comparison tool. In our comparison tool, we’ve already distinguished between insurers that require a driver’s license and those that also accept people without one. At Geennee.nl, we always try to place you with a standard insurer at standard rates first. If that doesn’t work out, we can always place you with De Vereende. So, using the comparison tool, you can compare and purchase scooter insurance even without a driver’s license.

The owner is responsible for themoped, even if it is lent to someone else. Damage caused by someone who borrows themoped is covered by your moped insurance. This means you could lose your no-claims years and will also have to pay any fines for traffic violations. So be very careful about lending out your moped. 

Even if you don’t start riding the scooter until you have your driver’s license, the scooter must still be insured. Even if the scooter is sitting unused in the shed, the insurance requirement remains in effect. If you won’t be using the vehicle temporarily, you can suspend the insurance requirement. Therefore, always take out scooter insurance as soon as the license plate is registered in your name. Use our online comparison tool to find out where you can best insure your scooter.