In the first half of this year, a clear trend has emerged in the world of two-wheeled motorized vehicles. Since the introduction of compulsory helmets on January 1, many scooter riders have their vehicle converted to a moped. However, this change can have major consequences for the status of their vehicle with the National Road Traffic Agency (RDW) and their insurance. Insurers expressly point out to drivers the risks of non-compliance with the rules.
The main advantage of a light moped was always that there was no helmet requirement. This made it possible to travel relatively quickly and without much effort. However, now that the helmet requirement also applies to light mopeds, many choose to convert to a faster moped. However, the obligation to have the vehicle inspected by the RDW after the conversion is often overlooked.
Every moped owner is legally obliged to take out at least third-party insurance that covers damage to the other party. With a more extensive insurance, you can also limit your own financial risk in the event of damage to the moped. However, when a scooter is converted to a moped without informing the insurer, this can cause problems when claiming damage.
The problem arises when the insurer is not aware of the change in the status of the vehicle. In the event of an accident, this may mean that the insurance does not pay out, because the vehicle is technically no longer regarded as a scooter, but as a moped.
That is why health insurers are now emphatically warning of the risks of converting scooters to mopeds without taking the necessary steps. They call on drivers to have the RDW inspection carried out and to inform their insurance about the change. That way they can make sure their insurance is still valid and they are covered in the event of an accident.
While there may be a temptation to own a faster moped, it's important to keep the risks in mind. The consequences of non-compliance with the rules can be very serious, both financially and legally. It is therefore essential to always ensure the correct inspection and insurance for your two-wheeled vehicle.