What coverages are there in a moped insurance?
When taking out moped insurance , pay attention to the price, of course, but especially emphasise the best cover. Especially for mopeds with a high value, it is important to include fire, theft and collision insurance.
When insuring a moped, it makes a difference what the moped is worth. If your moped is old and worth very little, you should go for the cheap third-party insurance. For a new moped of a few thousand euros, only the most extensive moped insurance is good enough.
Which forms of insurance can you choose between?
In comparison with car insurance, you have a wider choice of forms of insurance for mopeds. This way you can better tune the coverage to your needs. The following forms of insurance you can usually choose between:
- Third-party liability (WA)
- WA + theft
- WA + theft and fire
- WA + theft, fire and collision (similar to WA casco cover)
The best choice for your moped depends on the amount of the premium.
When do you choose WA coverage?
This insurance only offers compensation for damage caused by the insured moped to others. When you hit a cyclist, the insurer will compensate the material damage to the bicycle and the clothing, but also the personal injury. You can think of the financial consequences of temporarily not being able to work. This coverage is required by law. This type of insurance is often chosen for older mopeds with a low value.
When to choose WA + theft or WA + theft and fire?
The name already indicates the added value of the extra coverage in addition to third-party liability. Especially the coverage against theft is a useful addition. Mopeds are popular vehicles to steal. With this cover, however, pay close attention to the security requirements. There may be requirements regarding the quality of the locks and the overnight storage. The risk of fire is smaller, but it can happen to you. Which of the two types of cover is the best choice depends on the difference in premium between them. If the difference in premium is small, it is easy to choose third-party liability + theft and fire.
When to choose WA + theft, fire and collision?
This insurance offers the best protection for your moped. The cover is comparable to WA casco car insurance. In case of an accident, caused by you, the damage to your moped will also be covered. This type of insurance is obvious for new mopeds until they are a few years old.
Do you also need additional cover?
Depending on the cover chosen, Legal Aid can be a useful addition. Do not forget the Accidental Occupant policy. In the event of personal injury or death due to an accident, this additional insurance pays out an amount.
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