5 reasons to choose WA limited casco

For a new car, you choose the third-party motor insurance (All-Risk) coverage. For an old car with only minor value left, you go for the WA insurance. The intermediate form is the WA limited casco. This form of insurance is often a better choice than the WA car insurance. We explain the five best reasons to choose TPL limited hull insurance.

Third-party car insurance only pays for damage caused to others. In a collision caused by your fault, this insurance pays the damage to the other party. In that case the WA cascade also pays for damage to your own car. The WA limited casco provides coverage against liability damage plus a number of causes of damage described in the policy conditions. These include coverage against:

• Fire and lightning
• Collision with stray animals
• Theft
• Storm, hail and flooding
• Window breakage

Coverage in the WA limited casco is much broader

Insuring your car only with third-party insurance takes risks. One severe hailstorm, and the damage can immediately run into the thousands of euros. For an old car with a value of €500 the damage is not too bad, but what if the vehicle is still worth €5,000? Choosing a form of insurance with limited coverage gives a premium advantage, but in the event of damage it can actually cost you a lot of money.

WA limited casco is often only slightly more expensive than WA car insurance

The WA hull car insurance is much more expensive than the two cheaper variants. The price difference between the WA and the WA limited casco is generally smaller. For a small extra premium you get much more extensive coverage. The premium difference is especially small for car owners with many claim-free years. This is because the discount can reach 75 percent or even higher. The discount makes the difference even smaller.

Don't underestimate the risks of hail and storm damage and theft

Weather conditions are becoming increasingly severe due to climate change. A severe hailstorm can damage your car by thousands of euros in a few seconds. With third-party car insurance, you won't get paid for the damage. Also consider the risk of theft. Every year about 30,000 cars are stolen in the Netherlands. So this is a risk not to be underestimated. By a splashing stone, the chance of window breakage is also not small. With the WA limited casco car insurance, these types of damage causes are insured.

Damages do not affect claim-free years

Damages insured under the limited hull do not affect the number of claim-free years. In case of damage caused by hail or storm, the insurer will not reduce your number of claim-free years. So you don't have to take the damage for your own account to avoid a sharp premium increase. In case of a claim on the third-party part of the car insurance, it will cost you claim-free years.

WA limited casco much cheaper than the WA casco

The third-party comprehensive car insurance cannot really be taken out once your car is a few years old. This is because the amount of the premium is based on the new value of the car. Even if your car is only worth a few thousand euros. The limited liability insurance saves you hundreds of euros per year. This makes it a good alternative to the WA limited casco car insurance. Just keep in mind that you won't get a payment for your own damages from the insurance in case of an accident or damage caused by vandalism.

Read more:

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