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Will my moped insurance pay for my damage?

In the event of damage to your moped, will the insurer pay out? This depends on the type of insurance chosen and the circumstances of the damage.

You can choose between four types of moped insurance. The most limited type of insurance is the WA moped insurance. It only offers coverage against the legal

Liability, i.e. the damage caused to others. The most extensive form of insurance is WA + Theft, Fire and Collision. This moped insurance pays out, for example, in the event of an accident caused by the driver of the insured moped. The name of this type of insurance also indicates that the cover is even broader than damage caused by collisions alone. This is the most expensive type of insurance. The other two forms of insurance are:

  • WA + Theft
  • WA + Theft and Fire
moped insurance pays out for damage

What does the insurer pay out in the event of a claim?

Do you only have WA coverage? In that case you will never be reimbursed for damage to your own moped. In case of damage caused by others to your moped, you can hold the other party liable for the damage. In the case of WA + Theft and WA + Theft and Fire, you can only submit a claim to the insurer in the event of theft and possibly fire. For damage caused by a collision or vandalism, for example, you can only submit a claim to the insurer with the most comprehensive moped insurance.

Take out moped insurance? Calculate your premium!

What are the possibilities if someone else is liable?

Was the damage to your moped caused by another motor vehicle, for example? Then you can hold the insurer of the motor vehicle that caused the damage liable. Your insurer will do that for you if the moped is insured with the most comprehensive moped insurance. You can also outsource the recovery of the damage to 112schade.nl. The recovery is free of charge for you. The costs are borne by the insurer of the perpetrator of the damage.

 

What does the insurer pay if it is co-insured?

The damage is often determined by an expert. The insurer engages this expert and also bears the costs. The expert establishes the damage amount. Subsequently, the insurer pays out the damage amount to you. The payment from the moped insurance is maximum the current value of the moped.

Go for the most comprehensive moped insurance

This shows that it is best to choose WA + Theft, Fire and Collision. But the premium should not be too high. You cannot take out the most extensive moped insurance for a moped of only a few hundred euros. The premium is based on the new value of the moped, even if the value is still small.

Calculate the premium for moped insurance

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