WA theft, fire and collision
The most comprehensive moped insurance is WA + theft, fire and collision. This type of insurance is also called all-risk coverage . A complete insurance covering the most important causes of damage.
What cover does WA + theft, fire and collision offer?
It is the broadest cover for mopeds. Both liability damage is insured as well as, for example, theft, storm damage, vandalism and damage caused by a collision. Especially the latter is an important coverage. If, for example, you make an error of judgement and crash into a car, the other party is compensated under the third-party insurance. In the more limited types of insurance, there is no payment for the damage to your own moped. In the WA + theft, fire and collision, however, there is a payment. Due to the wide coverage, this is also the most expensive form of insurance.
Which cover suits you?
Third-party liability (mandatory)
-
Damage to others
i This is the basic coverage and cheapest moped insurance. It covers the damage you cause with your moped to third parties, but not the damage to your own moped.
-
Theft and fire damage
i In addition to the third-party coverage, theft or fire damage is now covered. Damage to your own moped caused by yourself (e.g. by a collision) is not covered.
-
Damage to own moped
i In addition to WA coverage and compensation for theft and/or fire damage, damage to your own moped (due to a collision, for example) is now also covered.
WA Theft and Fire
-
Damage to others
i This is the basic coverage and cheapest moped insurance. It covers the damage you cause with your moped to third parties, but not the damage to your own moped.
-
Theft and fire damage
i In addition to the third-party coverage, theft or fire damage is now covered. Damage to your own moped caused by yourself (e.g. by a collision) is not covered.
-
Damage to own moped
i In addition to WA coverage and compensation for theft and/or fire damage, damage to your own moped (due to a collision, for example) is now also covered.
WA Theft, Fire and Collision
-
Damage to others
i This is the basic coverage and cheapest moped insurance. It covers the damage you cause with your moped to third parties, but not the damage to your own moped.
-
Theft and fire damage
i In addition to the third-party coverage, theft or fire damage is now covered. Damage to your own moped caused by yourself (e.g. by a collision) is not covered.
-
Damage to own moped
i In addition to WA coverage and compensation for theft and/or fire damage, damage to your own moped (due to a collision, for example) is now also covered.
When to choose WA + theft, fire and collision?
This type of insurance is the logical choice for a new moped. For older mopeds with a high current value, this type of insurance is often still an option. Especially if you have already built up years of accident-free insurance. Do not think that my moped is already 5 years old, so the third party liability + theft, fire and collision will not work anymore. By comparing you can find out the differences in premium. Don't think you will go for a cheaper coverage and you cause an accident where your moped is severely damaged.
Do you have enough money to buy another moped?
If you have little money, you tend to opt for a more limited cover at a low premium. This is not the right way of thinking. In that case you should choose to insure your moped as extensively as possible. Suppose your moped has a daily value of €1,500. Because of the low premium you choose the WA insurance. Your moped is stolen. Your moped insurance doesn't cover this, so you have to pay for the damage yourself. If you have no money for another moped, that's the end of it. If you had opted for at least third-party insurance + theft, the damage would have been paid out to you.
Go for the lowest premium
Don't skimp on the quality of the moped insurance, but choose the cheapest with the best cover. Going for a more limited cover could end up costing you a lot of money. Select the best moped insurance for the lowest premium.
All moped insurance coverages:
How do we do it?
Financially certainly.
We can be reached via Chat, Whatsapp, phone or email
Feel free to contact us if you want to know more.
We are here today until 18:00