Third-Party Liability Coverage for Theft, Fire, and Collisions Involving a Moped
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Third-Party Liability (Mandatory)
- Damage to others
- Theft and Fire Damage
- Damage to one's own moped
Third-Party Liability, Theft, and Fire
- Damage to others
- Theft and Fire Damage
- Damage to one's own moped
Third-Party Liability: Theft, Fire, and Collision
- Damage to others
- Theft and Fire Damage
- Damage to one's own moped
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Frequently Asked Questions About Third-Party Liability Coverage for Theft, Fire, and Collisions
The most comprehensive moped insurance policy coversliability, theft, fire, and collisions. This type of insurance is alsoknown as“all-riskcoverage.” It is a comprehensive policy that covers the most common causes of damage.
What coverage does the liability + theft, fire, and collision policy provide?
It offers the most comprehensive coverage for mopeds. It covers not only liability claims but also, for example, theft, storm damage, vandalism, and damage resulting from a collision. The latter, in particular, is an important form of coverage. If, for example, you collide with a car due to a misjudgment, the other party will be compensated through the third-party liability insurance. With more limited insurance plans, there is no payout for damage to your own moped in this case. With the third-party liability + theft, fire, and collision plan, there is. Due to its comprehensive coverage, this is also the most expensive insurance plan.
When should you choose the liability + theft, fire, and collision coverage?
This type of insurance is the logical choice for a new moped. It can often still be a good option for older mopeds with a high current market value as well—especially if you’ve already built up a few claim-free years. So don’t immediately assume that just because your moped is already 5 years old, third-party liability plus theft, fire, and collision coverage isn’t worth it anymore. By comparing policies, you can see the differences in premiums. You don’t want to end up choosing cheaper coverage only to cause an accident through your own fault that results in serious damage to your moped.
Do you have enough money to buy another moped?
If you’re on a tight budget, you might be tempted to choose more limited coverage at a low premium. That’s not the right way to think about it. In that case, you should actually choose the most comprehensive insurance coverage possible for your moped. Suppose your moped has a current market value of €1,500. To keep the premium low, you opt for third-party liability insurance at an attractively low rate. Your moped gets stolen. Your moped insurance doesn’t cover this, so you have to bear the financial loss yourself. If you don’t have the money for another moped, that’s the end of it. Had you opted for at least third-party liability plus theft and fire coverage, the damages would have been paid out to you.
Go for the lowest premium
Don't skimp on the quality of your moped insurance; instead, choose the cheapest policy with the best coverage. Opting for more limited coverage can end up costing you a lot of money. Choose the best moped insurance at the lowest premium.
All types of coverage under moped insurance:
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