What car insurance cover can be chosen from?
Choosing the right car insurance is more than just comparing premiums. It is important to think about the coverage of the insurance. Are you satisfied with WA insurance or is WA-casco (all risk) insurance more suitable for your situation? An intermediate form is also possible, namely the WA-limited casco.
In case of damage, it makes a big difference which cover you have chosen. Making the wrong choice can cost you tens of thousands of euros. On the other hand, you do not want to overinsure your car. Know which cover suits your car best.
Car insurance is not linked to a person, but to the car. The insurer provides cover even if someone else drives your car. Of course, the driver has to be authorised to drive the car.
What types of cover are there?
E are three standard forms of insurance. When taking out car insurance, you can choose between the following coverages:
Which cover suits you?
Which cover suits you?
Third-party liability (mandatory)
- Free recovery servicei Alpina works with 112schade.nl to recover non-covered damages from the other party. Has someone caused damage to you, but you have no coverage on your own policy? 112schade.nl can help you recover your damage from the other party completely free of charge.
- Damage to othersi This is the basic and cheapest car insurance. You will be reimbursed for the damage you cause to third parties with your car, but not the damage to your car.
- Theft, joyriding and lossi Besides the WA coverage, theft damage is now also compensated. Damage to your car caused by yourself (for example by a collision) is not compensated in this car insurance.
- Windscreen damagei Windscreen damage includes damage to the windscreen itself and consequential damage caused by windscreen fragments. Note: If the damage to the glass is caused by an accident, this is not covered under limited hull cover.
- Damage by fire or natural disasteri In addition to third-party cover, damage caused by fire or natural disasters is now also covered.
- Own damage caused by a collisioni Damage to one's own vehicle due to a collision is covered. Regardless of who caused the damage. However, intent is excluded.
Limited airframe
- Free recovery servicei Alpina works with 112schade.nl to recover non-covered damages from the other party. Has someone caused damage to you, but you have no coverage on your own policy? 112schade.nl can help you recover your damage from the other party completely free of charge.
- Damage to othersi This is the basic and cheapest car insurance. You will be reimbursed for the damage you cause to third parties with your car, but not the damage to your car.
- Theft, joyriding and lossi Besides the WA coverage, theft damage is now also compensated. Damage to your car caused by yourself (for example by a collision) is not compensated in this car insurance.
- Windscreen damagei Windscreen damage includes damage to the windscreen itself and consequential damage caused by windscreen fragments. Note: If the damage to the glass is caused by an accident, this is not covered under limited hull cover.
- Damage by fire or natural disasteri In addition to third-party cover, damage caused by fire or natural disasters is now also covered.
- Own damage caused by a collisioni Damage to one's own vehicle due to a collision is covered. Regardless of who caused the damage. However, intent is excluded.
All Risk (WA+Casco)
- Free recovery servicei Alpina works with 112schade.nl to recover non-covered damages from the other party. Has someone caused damage to you, but you have no coverage on your own policy? 112schade.nl can help you recover your damage from the other party completely free of charge.
- Damage to othersi This is the basic and cheapest car insurance. You will be reimbursed for the damage you cause to third parties with your car, but not the damage to your car.
- Theft, joyriding and lossi Besides the WA coverage, theft damage is now also compensated. Damage to your car caused by yourself (for example by a collision) is not compensated in this car insurance.
- Windscreen damagei Windscreen damage includes damage to the windscreen itself and consequential damage caused by windscreen fragments. Note: If the damage to the glass is caused by an accident, this is not covered under limited hull cover.
- Damage by fire or natural disasteri In addition to third-party cover, damage caused by fire or natural disasters is now also covered.
- Own damage caused by a collisioni Damage to one's own vehicle due to a collision is covered. Regardless of who caused the damage. However, intent is excluded.
Third-party insurance
This insurance only provides cover for liability claims. The insurer therefore compensates damage caused to others. Damage to your own car is not covered by your own insurer. As the owner of a car, you are at least obliged to take out this insurance. The WA car insurance is often chosen for cars of 10 years or older, but also for these cars it can sometimes be advantageous to choose a more extensive coverage.
WA limited casco
The WA limited casco offers a broader coverage. Besides damage caused to others, there is also coverage for a number of damages described in the policy conditions. The insured causes of damage are:
- Collision with stray animals
- Hail and storm damage
- Lightning damage
- Fire and explosion
- Window breakage
The WA limited casco is often chosen for cars from 6 to 10 years old. The damages that are claimed on the limited casco part of the insurance do not go at the expense of the claim-free years. This is also the case with the WA-casco car insurance. What if the car insurance does not cover you?
All risk insurance (WA full hull)
This is the most logical choice for new cars up to 6 years old. The most important extension of the coverage is that own damages by collisions are also compensated by the own insurer. Also vandalism damage is insured in the WA-casco car insurance.
Extend auto insurance with additional coverages?
In addition to the three types of insurance, you can also take out additional insurance policies. These can be insurances to defend your rights. This is for example the legal assistance insurance. Additional cover for passengers is also often chosen, such as passenger accident insurance and passenger indemnity insurance.
Related pages about coverage for your car
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