What are the benefits of moped insurance with third-party liability + theft and fire coverage?
Unfortunately, mopeds are often stolen. Locks are cut, they are thrown onto the back of a trailer or into a van, or the mopeds are even stolen from gardens. This is very annoying: after all, often a (nice) moped has been a considerable investment. Now, with moped insurance WA + theft and fire, you can be covered for theft. But let's start at the beginning....
Your moped insurance coverage.
Third-party liability (mandatory)
- Free recovery service
- Damage to others
- Theft and fire damage
- Damage to own moped
WA Theft and Fire
- Free recovery service
- Damage to others
- Theft and fire damage
- Damage to own moped
WA Theft, Fire and Collision
- Free recovery service
- Damage to others
- Theft and fire damage
- Damage to own moped
Third-party insurance required, theft and fire coverage additional
Why is there talk of third-party liability + theft and fire moped insurance? This has to do with the mandatory nature of Third Party Liability (WA). Every moped owner must take out third-party moped insurance. With third-party insurance, you are only covered for damage you cause to others. However, is your moped stolen? Then the insurance company cannot do anything for you....
What should you consider when buying moped insurance WA + theft and fire coverage?
Want to make sure you receive money from the insurer when your moped is stolen? Then a third-party liability + theft and fire insurance offers the solution. You will have the compulsory third-party coverage anyway, and in addition you will be insured against theft and fire. In most cases, this does not only include theft of the scooter itself, but also accessories (an expensive saddle or nice mirrors for example). However, it is very important that you take into account a strict requirement imposed by many insurers: you are expected to fulfill a certain duty of care. This means that the insurer will only pay out after theft if you can prove that you did everything possible to prevent the theft. You must be able to prove that you locked the moped with a category 3 ART safety lock(at least). By reporting a stolen moped to your insurer, you are expected to report it to the police. Have you properly complied with the policy conditions? Then you will receive the current market value of your stolen moped.
Is the premium much higher with WA + theft and fire moped insurance (WA limited casco)?
The premium for third-party liability + theft and fire moped insurance (also called limited hull) is quite a bit higher compared to normal third-party insurance. So the question is in which situation it is advantageous for you to take out third-party liability + theft and fire moped insurance. If you bought a brand new scooter, you would often do well to take out the additional theft coverage. Are you buying an old model, second hand? Then the extra coverage may not be necessary. On the other hand, if the value of your scooter is lower, your premium will be lower!
Get your moped insurance cheap and fast at Alpina: instant provisional coverage!
Want to get moped insurance on the cheap? Then you have come to the right place at Alpina. Easily calculate your premium for m oped insurance so you know what your gross premium will be. Do you have any questions about the moped insurance? Then you can always contact our staff. At Alpina, we are moped insurance specialists. We can therefore help you well with questions about the third-party liability + theft and fire moped insurance.
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