Moped insurance

In Germany, the license plate on a moped, scooter, or small motorcycle (Mofa) also serves as the proof of insurance. A valid insurance policy is mandatory for using the moped on public roads.

Key points:

• Obtaining the license plate: Moped riders receive the plate from a KFZ liability insurer once insurance is in place.

• Seasonal insurance options: Many small motorcycles are not used year-round and may be stored in autumn or winter. Seasonal coverage allows you to pay insurance only for the months the vehicle is in use, saving costs.

• Year-round coverage: Full-year license plates are available at affordable premiums. Insurance coverage typically runs from March 1 to February 28/29 of the following year.

• Color-coded plates: The color indicates the validity year: e.g., 2022 – green, 2023 – black, 2024 – blue, and the cycle repeats.

Legal requirements and importance:

• The license plate is required not only for insurance but also by law.

• Riding a moped without a valid plate is illegal and carries fines.

• Without insurance, the rider is personally liable for all accident costs.

Moped insurance ensures legal compliance and financial protection in case of accidents.