What does WA moped insurance cover?
Have you recently purchased a moped and are now looking for insurance? Then terms like third-party, third-party + theft and fire (limited casco) and third-party + theft, fire and collision (all-risk or full casco) are probably flying around your ears. But what exactly do they mean? Let's start with third-party liability. TPL stands for Third Party Liability. With a WA moped insurance you are insured for damage you cause to another person with your moped. At Alpina.nl we will tell you why third-party insurance is mandatory and when it is a wise choice.
Third-party cover obligatory
In the Netherlands, you are obliged to take out at least a third-party insurance for each motor vehicle. This also applies to a moped. Without insurance, you are not allowed to take your moped onto the public roads. A WA moped insurance covers liability damages. If you crash into a car with your moped and cause damage, you are insured for this. The insurer will then compensate the other party for the damage. After an accident in which one or more persons are injured, the costs can even run into thousands of euros. To prevent you from not being able to pay and the victims not receiving financial compensation, moped insurance is mandatory. This does not cover damage to your own moped. For this you have to take out a more extensive cover.
Is third-party cover a wise choice?
You may be tempted to go straight for the cheapest moped insurance. After all, it's all expensive enough as it is. However, it is wise to take a good look at your moped first. Third-party moped insurance has limited coverage and is therefore mostly chosen for older mopeds with a low daily value. If your moped has a low daily value, it does not pay to take out a comprehensive third-party liability + theft, fire and collision (All-risk) insurance. A WA moped insurance is then a good choice. If you have a very new or expensive moped, the coverage of a third-party insurance is too limited. Damage to your own moped will not be compensated and for a moped with a high daily value, this can add up. For a moped with a high daily value, it is better to have a more extensive insurance.
Coverages
Besides the obligatory WA coverage for your moped insurance, you can also choose WA + Theft and Fire or WA + Theft, Fire and Collision. In choosing the right coverage you can look at the current value of your moped.
WA + Theft and Fire
The WA + Theft and Fire is a little bit more extensive than the basic WA-insurance. With this cover you are also insured for damage to your own moped caused by theft or fire. When you take out this cover, the insurer will often impose a number of conditions. They expect you to take some precautions yourself to prevent theft. For example, you must have the right locks and you must always lock the moped. If you leave the moped unattended and unlocked and it is stolen, there is a chance that the insurer will not pay out.
WA + Theft, Fire and Collision (All Risk)
The most extensive cover is WA + Theft, Fire and Collision. With this coverage you are not only insured for all mentioned damages, but also for damages to your own moped caused by your own fault. For an all-risk moped insurance you pay the highest premium. Therefore this insurance is usually only purchased for mopeds that are new and still have a considerable value.
Take out WA moped insurance directly through Alpina
Do you want a third-party moped insurance? Or are you going for more comprehensive coverage anyway? At Alpina.nl we have moped insurance for every type of moped. You start by comparing different providers. This way you can easily see which insurer is best for you. You can then take out moped insurance directly online. Need help? Please contact us!
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