What does WA limited collision car insurance cover?

WA limited comprehensive insurance designations

Each company has a different name for this coverage. Commonly used names are:

• WA - Extra
• Third party liability - Mini Casco
• WA - Limited Casco

What coverage does the WA limited casco offer?

It is a composite of two forms of insurance, namely the third-party and limited-casualty. The third-party part provides coverage for damage for which the driver of the car is liable. The limited hull insurance compensates damage caused by a number of causes listed in the policy conditions. The exact coverage may vary from one insurer to another, but in general it comes down to compensation for the following causes:

• Collision with stray animals
• Hail and storm damage
• Lightning damage
• Fire and explosion
• Window Break
• Theft and damage from attempted theft

Benefit is not charged against claim-free years

The premium you owe depends largely on the number of accumulated claim-free years. The discount can be as much as 85% with some insurers. In case of a claim on the insurance, the number of claim-free years drops. Damage that is insured on the limited hull insurance does not count against the claim-free years. A claim on third-party and all-risk insurance does, but not on limited insurance. A broken window may cost you an excess, but the premium will not increase because of it.

When to choose the WA limited casco?

For new and young cars, opt for all-risk insurance (WA casco). This coverage also covers damage to your own car in case of an accident. For old cars with little value, the third party liability insurance is the most logical choice. This type of insurance only pays out to the other party in case of damage caused by your fault. The WA limited casco is an intermediate form. This insurance is often chosen for cars between 6 and 10 years old. However, it is often recommended for cars older than 10 years. Especially if the car still has a high daily value.

Why is the WA limited casco recommended?

The WA limited casco is slightly more expensive than the WA coverage. If you weigh the higher premium against the additional coverage, the WA limited casco is definitely recommended. Especially with the increasing frequency of extreme weather conditions. In a severe hailstorm with stones like ping pong balls, your car can turn into a poffertjes pan within a minute. The cost of denting out is not tender. Often the repair costs exceed the car's current market value.

Other coverages

• WA coverage
• WA limited casco
• WA casco (all-risk)

Advantages WA limited casco

The coverage of a WA limited casco is much broader. In a severe hailstorm, the damage can immediately run into thousands of euros. When you choose a form of insurance with limited coverage, you may have a premium advantage, but in case of damage it can actually cost you a lot of money.

WA limited casco is often only slightly more expensive than third-party insurance, and you get much more comprehensive coverage. The premium difference is especially small for car owners with many claim-free years. The discount can reach 75 percent or even higher. The discount makes the difference even smaller.

Weather conditions are becoming more severe due to climate change. As a result, your car can suffer enormous damage within seconds. In addition, the risk of theft is relatively high in the Netherlands. About 30,000 cars are stolen every year. You should not underestimate this risk. With a WA limited casco, these types of damage causes are insured.

Damages insured under limited casco do not affect the number of claim-free years. When it comes to hail or storm damage, for example, you don't have to take this on your own account to avoid a sharp premium increase. When a claim is made on the third-party part of the car insurance, it does cost you claim-free years.

Also read:

• Roadmap - switching car insurance
• Car insurance coverage: which coverages can you choose?
• Convert car insurance to third-party coverage?
• Wide variations in policy conditions
• How do you insure a car on weekends?
• Insuring your first car
• Car insurance - when does the insurer not offer coverage?
• Negative claim-free years on your name? What next?
• Check the pros and cons of supplemental insurance policies