What does WA limited hull car insurance cover?

Benefit is not deducted from the claim-free years

The premium you owe depends to a large extent on the number of claim-free years accumulated. The discount can be as much as 85% with some insurers. If a claim is made on the insurance, the number of claim-free years decreases. Damage insured on the limited casco does not affect the claim-free years. A claim on the third-party insurance and on the all-risk insurance does, but not on the limited cover. A broken window may cost you an own risk, but the premium will not increase because of it.

When to choose WA limited casco?

For new and young cars, choose the all-risk insurance (WA casco). This coverage also compensates damage to your own car in case of an accident. For old cars with little value, the WA car 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, for cars older than 10 years, it is often still recommended. Especially if the car still has a high current value.

Why is WA limited hull insurance recommended?

The third-party limited hull insurance is slightly more expensive than the third-party limited hull insurance. If you consider the higher premium against the additional coverage, the WA limited hull insurance is definitely recommended. Especially now that extreme weather conditions are becoming more common. A hailstorm with stones like ping-pong balls can turn your car into a pancake pan within a minute. The costs for dent repairs are not negligible. The repair costs are often higher than the current value of the car.

Other coverages

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

What supplementary insurances are there?

Some additional insurances are very useful. We will explain all supplementary insurances to you. That way, you can make an informed choice.

Advantages WA limited casco

The coverage of a WA limited casco is much broader. In the event of a severe hail storm, the damage can immediately run into thousands of euros. When you choose for a type of insurance with a limited coverage, you have indeed a premium advantage, but in case of damage it can cost you a lot of money.

A WA limited casco is often only slightly more expensive than the WA insurance and you get a much more extensive coverage. The difference in premium is especially small for car owners with many years without claims. The discount can amount to 75 percent or even higher. The discount makes the difference even smaller.

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

The damage insured under the limited casco does not affect the number of damage-free years. When it comes to hail or storm damage for example, you do not have to take this into your own account to avoid a sharp increase in premium. In case of a claim on the third-party part of the car insurance, it will cost you years of insurance-free time.

What does WA limited casco cost?

The amount of the costs of the addition compared to the third-party cover also depends on the number of accrued years without claims and the value of your car. In a premium comparison, we can easily explain the price difference.

You are going to take out third-party motor insurance for an 8-year-old VW Golf. You have accumulated 6 claim-free years. The current value of the car is €6,990.

The cheapest WA insurance is €17.76 per month
The cheapest WA limited case insurance is €18.90 per month

In both cases, the cheapest car insurance is assumed. The cheapest insurer for third-party cover is not the same as the cheapest car insurance for third-party limited cover.

So if your car is too old for the comprehensive third-party hull insurance, you can switch to third-party cover, but first calculate what the more comprehensive third-party limited hull insurance will cost you.

Read also:

• Step-by-step plan - switching car insurance
• Car insurance cover: which covers can you choose?
• Convert car insurance to third-party cover?
• Large differences in policy conditions
• How do you insure a car at the weekend?
• Insuring your first car
• Car insurance - when does the insurer offer no cover?
• 10-year old car still covered by third-party insurance
• Negative claim-free years in your name? What to do now?
• Check the pros and cons of supplementary insurances