Additions to moped insurance
In addition to moped insurance, you can choose to purchase additional policies. Which ones can you choose and what is the function? Not all supplements are always advisable. You want to avoid having double insurance coverage. Only take additional coverage on your moped insurance if it really adds value.
Insuring yourself and the riders
In the moped insurance you insure the liability for damage caused by the moped. If necessary you can also insure damage to your own moped. There are two additional insurances to ease the financial burden for yourself and the passengers in the event of an accident.
Accident insurance
An accident can cause serious injury or death. The accident passenger insurance provides a one-off payment in the event of personal injury. This is a payment in the event of permanent disability and death of the driver and/or pillion riders. You can partly determine the amount yourself. In case of invalidity the payment is not sufficient to cover the loss of income due to the invalidity. Most policies provide a payment of tens of thousands to about one hundred thousand euros and in case of death a lower amount is insured.
The passenger indemnity insurance
This insurance is more expensive than the accidental passenger insurance, but the coverage is also much broader. Besides payment for personal injury, this insurance also pays out for material damage resulting from an accident. For example, there is coverage for damage to the possessions of the riders. The personal injury insurance for pillion riders is also much broader. Both the driver and the passengers are paid for the actual damage suffered. Suppose a passenger becomes disabled due to an accident with the scooter. The front passenger insurance provides a payment whereby the injured party is fully compensated. This can amount to hundreds of thousands of euros in case of permanent disability.
Legal expenses insurance
In some situations, you have to submit your claim to the person who caused the damage. Normally this is not necessary with the most extensive WA-casualty insurance. The insurer will pay the damage to your scooter. Is your scooter insured WA or WA limited casco? Then the recovery of the damage from the other party is not insured. For this you can take a legal aid insurance. The insurer will take care of the recovery of your damage.
Legal expenses insurance for motor vehicles
This insurance also ensures the recovery of damage from the person who caused it, but the coverage is broader than the recourse legal expenses insurance. You can also call upon the insurance for a dispute with, for example, a scooter dealer or a disagreement about repair costs with the garage. You can even call upon this insurance for legal assistance in the event of prosecution following an accident. However, specific requirements may apply in order to take out legal assistance insurance for motor vehicles.
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