What types of coverage are included in moped insurance?

When taking out moped insurance, you’ll naturally pay close attention to the price, but you should focus primarily on getting the best coverage. Especially for high-value mopeds, it’s important to include coverage for fire, theft, and collisions.
When it comes to insurance, the value of your moped makes quite a difference. If your moped is old and worth very little, you’ll want to go for the inexpensive third-party liability insurance. For a new moped costing a few thousand euros, only the most comprehensive moped insurance will do.
What types of insurance can you choose from?
Compared to car insurance, you have a wider range of insurance options for mopeds. This allows you to better tailor the coverage to your needs. You can usually choose from the following types of insurance:

• Civil Liability (WA)
• Liability + Theft and Fire
• Third-Party Liability + Theft, Fire, and Collision (similar to comprehensive coverage)

The best choice for your moped depends on the premium amount.

When should you choose third-party liability coverage?

This insurance only provides coverage for damage caused to others by the insured moped. If you collide with a cyclist, the insurer will cover property damage to the bicycle and clothing, as well as personal injury. This includes the financial consequences of being temporarily unable to work. This coverage is required by law. This type of insurance is often chosen for older mopeds that are no longer worth much.

When should you choose third-party liability plus theft and fire coverage?

The name itself makes it clear what the added value of this extra coverage is, in addition to liability insurance. Coverage against theft, in particular, is a useful addition. Mopeds are, after all, popular vehicles to steal. Be sure to pay close attention to the security requirements for this coverage. There may be requirements regarding the quality of the locks and overnight parking. The risk of fire is lower, but it can still happen to you.

When should you choose the liability + theft, fire, and collision coverage?

This insurance offers the best protection for your moped. The coverage is comparable to comprehensive auto insurance. If you’re at fault in an accident, you’ll also be reimbursed for damage to your moped. This type of insurance is the obvious choice for new mopeds until they’re a few years old.

Do you need additional coverage as well?

Depending on the coverage you choose, Legal Recourse may be a useful addition. Don’t forget about Passenger Accident Coverage either. In the event of personal injury or death resulting from an accident, this supplemental insurance provides a payout.