Moped insurance: find out more and get a quote

Q: Is my moped still insured while the license plate is deregistered?

If your motorcycle is taken out of service through deregistration or by depositing the license plates, it remains insured only under a comprehensive insurance policy. This coverage is then limited to so-called 'garage risk': from this point on, only insured events that occur inside a garage or designated parking space are covered. You will receive a corresponding premium discount for this period.Important: Please don’t forget to notify us immediately once the deregistration has been cancelled!

What is moped insurance?

Moped insurance is mandatory by law in Austria. Liability insurance covers damage to third parties caused in connection with the use of a moped. Comprehensive insurance can also be taken out as an option. This covers the costs of damage caused by bad weather, theft or damage to your own moped.

Why take out moped insurance?

Financial security

Protection against the financial consequences of
damage to your motorbike & in traffic

4 different scopes of cover

Motor vehicle liability, fully comprehensive, partially comprehensive or fully comprehensive - the choice is yours

Whether Vespa, e-scooter or machine

With Allianz, every moped with an
engine capacity of 50cc is optimally protected

Claims settlement in just 4 steps

Reporting, processing, repair, feedback -
we are there for you around the clock

Up to 35% discount for seasonal use

Benefit from a 35% discount when depositing
your licence plate at or waiving your deposit

Fast motorbike registration

Simply find an Allianz registration office
near you at and register your moped

Get your quote

PACKAGE OVERVIEW

The moped insurance packages
at a glance

From third party liability to fully comprehensive cover: simply choose the
cover that best suits your needs from our four packages COMFORT, PLUS, EXTRA and MAX.

Full coverage

	Package COMFORT Basic protection	Package PLUS Natural hazards insurance	Package EXTRA Comprehensive insurance	Package MAX Fully comprehensive insurance

Motor vehicle liability Motor vehicle liability insurance is required by law. It covers damage caused to other persons by your vehicle or the defence against unjustified claims for damages against you as the vehicle owner. The sum insured (€15 million) applies to cover for personal injury and property damage as well as financial losses.	included	included	included	included

Legal information by telephone Legal information by telephone on legal issues relating to police and administrative penalties, accidents, claims and breakdowns as well as traffic law.	included	included	included	included

Car-Assistance (Basic) This cover includes on-site assistance (example: towing, mobility assistance up to 50 km, information service) in the event of an accident or breakdown of your vehicle. For electric vehicles only: Transport to the nearest charging station if your car runs out of power.	included	included	included	included

Passenger accident insurance If agreed in the insurance certificate: you and your passengers will receive benefits without complications if permanent disability (EUR 100,000) or death (EUR 20,000) occurs in the event of an accident - without lengthy negotiations on the question of fault.	optional	optional	optional	optional

Forces of nature Covers damage to the vehicle caused by forces of nature (e.g. lightning, landslides, avalanches, hail, floods, storms, etc.)	not included	included	included	included

Fire, explosion & scorch damage Covers damage to the vehicle due to fire, explosion and scorch damage For electric vehicles only: Covers damage to your charging accessories (charging cables, wallboxes, adapters) in the event of fire, explosion and scorch damage. Covers damage to your battery in the event of fire, explosion and scorch damage.	not included	included	included	included

Animal damage Covers damage to the vehicle due to animal damage (example: animal bites and collision with an animal)	not included	included	included	included

Motor vehicle assistance (extended) This cover extends on-site assistance (example: towing, mobility assistance up to 100 km, replacement vehicle service, overnight accommodation costs) in the event of an accident or breakdown of your vehicle.	not included	included	included	included

Theft & burglary Covers the insured vehicle and its parts stored in or attached to the locked vehicle in the event of damage, destruction or loss due to theft, robbery or unauthorised use by third parties.	not included	not included	included	included

Vehicle windscreens and other glass Covers all breakage damage to any type of glass.	not included	not included	included	included

Vandalism & parking damage Covers damage, destruction or loss caused by wilful and malicious acts by third parties and collisions caused by unknown vehicles to the parked vehicle.	not included	not included	included	included

Own damage Damage to your vehicle, even in accidents caused by yourself Only for electric vehicles: Covers damage to your charging accessories (charging cables, wallboxes, adapters) in the event of accidental damage. Covers damage to your battery in the event of accidental damage.	not included	not included	not included	included

Cancellation value from the leasing contract (GAP) & replacement value cover The following applies to leased vehicles, regardless of their initial registration: If your leased vehicle is a total loss, you will receive the cancellation value from the leasing contract. This will only be used as the basis for our compensation payment if it exceeds the replacement value at the time of the insured event. The following applies to other vehicles if they were first registered less than six months ago when the insurance was taken out: If your vehicle is totalled or stolen within the first 24 months of first registration, you will receive 100% of the purchase price you paid for the vehicle. Proof of the purchase price is provided by the purchase invoice. You should therefore keep this in a safe place.	not included	not included	not included	included

Get a quote

Does your motorcycle have an engine capacity of more than 50cc?

Benefit from the comprehensive cover of Allianz motorbike insurance for all two-wheelers with an engine capacity of 50cc or more. You can choose from 4 packages and also have the option of a 35% seasonal licence plate discount for seasonal use of the motorbike.

To Motorbike insurance

When does moped insurance make sense?

In Austria, all motorbikes must at least be covered by the legally required liability insurance. However, this only covers damage to third parties caused by you. For additional protection, it makes sense to take out partially or fully comprehensive insurance for the motorbike.

Comprehensive insurance or fully comprehensive insurance

Partial accidental damage insurance covers damage caused by external influences such as storms, animals, parking damage, vandalism or theft. You should therefore check whether there is an increased risk of this at your place of residence or work.
Comprehensive insurance also pays out in the event of personal injury. Comprehensive insurance is always worthwhile for new, leased, very rare or expensive motorbikes. Fully comprehensive insurance also makes sense if you use your motorbike very frequently.

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Save on your insurance with seasonal deregistration

If the moped is not used during the winter months, it is worth depositing the licence plate. In return, you receive a discount of up to 35% on the insurance premium.

There are two options:

You deposit your licence plate and registration certificate at a registration office. During this time, the insurance is cancelled and the premium is waived.
You waive the licence plate deposit in order to save on bureaucracy. A contract is concluded with a seasonal licence plate. In the winter months, you continue to pay the insurance premium, but you receive a 35% discount on the total annual premium.

Costs for registering a motorcycle

Moped registration costs a total of 260 euros. You pay an additional 29.50 euros for a registration certificate in cheque card format. The sum is made up of the following amounts

Authorities' share: 178 euros
Processing service: 65.60 euros
Query of the Central Register of Residents: 1.10 euros
Inspection sticker: 2.30 euros
Licence plates (if the licence plate is retained, these costs are waived): 13 euros,
Optional cheque card registration certificate: 29.50 euros

Source: oesterreich.gv.at (07/2025)

Register your moped: This is how it works

You can finally take your scooter out on the roads and enjoy the feeling of freedom - before this is possible, your scooter needs to be registered. We explain in detail how to do this and what it costs:

Necessary documents

The following documents* must be brought to the moped registration:

Official photo ID of the applicant(s)
Confirmation of insurance
Proof of approval or approval document: type certificate, extract from the approval database, individual approval
In the case of representation: Power of attorney if the vehicle is not registered personally
In the case of a used moped: purchase contract, invoice or other documents proving the purchase
For a new moped: Entry of the owner(s) in the type certificate or purchase contract, invoice, confirmation of sale, provided the name of the buyer(s) can be seen from it

Persons under the age of 18 must also present the following documents:

Authorisation from the legal guardian(s) (stating the vehicle data)
Original confirmation of registration from the legal guardian(s)
Copy of official photo ID of the legal guardian(s)

*Source: oesterreich .gv.at (07/2025)

Good to know: Mopeds at 15 – what you need to know

In Austria, you can start your moped driving licence training before your 15th birthday, but no earlier than two months before your 15th birthday!
To be allowed to drive a moped, you need a category AM driving licence (colloquially known as a "moped driving licence"). The class designation AM is entered on the driving licence.
At the age of 15, you can ride a moped with a maximum authorised design speed of 45 km/h. This corresponds to a maximum cubic capacity of 50cc.
You can register your moped at the earliest 2 months before the age of 15, i.e. at the age of 14 years and 10 months. A declaration of consent from a parent or legal guardian is required for this.

Frequently asked questions about moped insurance

How much does moped insurance cost?

The premium for moped insurance depends on many factors. These include:

Insurance cover selected (third-party liability, partial or fully comprehensive cover)
Age, make and model of the moped
District of residence and age of the policyholder
Licence plate deposit or waiver of deposit

By depositing your licence plate or choosing a seasonal licence plate (waiver of deposit), you receive a discount of up to 35% on the premium if you do not use your moped during the cold season.

How much does it cost to register a moped?

Motorbike registration currently costs 260 euros. Optionally, a cheque card registration certificate can also be purchased for an additional 29.50 euros.

(as of 07/2025)

When can I register and ride a moped?

In Austria, you can register a moped at the earliest 2 months before reaching the age of 15. You may only ride a moped from the age of 15 once you have been issued a driving licence with an AM category driving licence.

What is a licence plate deregistration?

Deregistration of the license plate means that you temporarily hand in your license plate and registration certificate at a registration office. During this period, your insurance contract is suspended, and you save on the insurance premium that would otherwise be due.

How long can you deregister my licence plate number?

You can deregister your license plate for a minimum period of 45 days. Typically, this is done from 1 November to 1 March of the following year. During this time, your license plate and registration certificate are deposited at a registration office, your insurance is suspended, and you save on your premium.

Is my moped still insured while the license plate is deregistered?

If your moped is taken out of service through deregistration or by depositing the license plates, it remains insured only under a comprehensive insurance policy. This coverage is then limited to so-called 'garage risk': from this point on, only insured events that occur inside a garage or designated parking space are covered. You will receive a corresponding premium discount for this period.

Important:
Please don’t forget to notify us immediately once the deregistration has been cancelled!

Does moped insurance also cover accident damage resulting from participation in races?

No, accidents and damage in this respect are not covered by Allianz motorbike insurance.

Fast and uncomplicated claims settlement

The 4 steps of claims settlement - quickly explained

Notification: By informing us of your accident, you also start the claims settlement process.
Processing: We assess the damage, check the necessary documents and determine the amount of insurance cover.
Repair: Your vehicle is repaired and the claim is settled!
Feedback: We then ask you for feedback on the process and your experiences in order to continuously improve our service for you.

Want to notify or get claim updates?

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