What does WA Limited Casco motor insurance cover?
WA limited hull insurance is often chosen for older motorbikes that still have a high value, but for which all-risk coverage is no longer an option. Even motorbikes with a value of only a few thousand euros are still good candidates for this type of insurance.
When WA + limited Casco motor insurance?
In addition to the liability insurance, the WA + limited Casco insurance gives only limited coverage to the own property.
For motorbikes from three or four years old up to eight years old, we recommend the WA + limited Casco insurance. This is only a recommendation. Depending on the value and your available resources, you may want to consider WA + full body coverage.
What can you expect from WA limited hull insurance?
Actually, this insurance consists of two different covers. Firstly, the compulsory third-party insurance. This part of the motorbike insurance pays out for damage caused to others with the insured motorbike. The second part is the limited casco. You will receive a payment in case of damage to your motorbike caused by a number of listed causes of damage. There may be differences between insurers, but in general the limited casco means that a payment follows in case of
- Fire
- Explosion
- Storm damage and hail damage
- Natural disasters
- Lightning damage
- Collision with stray animals
- Theft, fraud and joyriding
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 cover and the cheapest motor insurance. The damage caused by your motorbike to third parties is covered, but not the damage to your own motorbike.
- Theft and fire damagei In addition to third-party cover, theft or fire damage is now also covered. Damage to your own motorbike that you have caused yourself (e.g. by a collision) is not covered.
- Damage to own enginei In addition to third-party cover and compensation for theft and/or fire damage, damage to your own motorbike (e.g. due to a collision) is now also covered.
WA Limited 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 cover and the cheapest motor insurance. The damage caused by your motorbike to third parties is covered, but not the damage to your own motorbike.
- Theft and fire damagei In addition to third-party cover, theft or fire damage is now also covered. Damage to your own motorbike that you have caused yourself (e.g. by a collision) is not covered.
- Damage to own enginei In addition to third-party cover and compensation for theft and/or fire damage, damage to your own motorbike (e.g. due to a collision) is now also covered.
WA Full Casco (All-Risk)
- 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 cover and the cheapest motor insurance. The damage caused by your motorbike to third parties is covered, but not the damage to your own motorbike.
- Theft and fire damagei In addition to third-party cover, theft or fire damage is now also covered. Damage to your own motorbike that you have caused yourself (e.g. by a collision) is not covered.
- Damage to own enginei In addition to third-party cover and compensation for theft and/or fire damage, damage to your own motorbike (e.g. due to a collision) is now also covered.
Should I choose WA limited casco or WA?
The WA limited casco offers a broader coverage, but the premium is of course also higher than the WA motor insurance. By comparing them, you will find out what the difference in premium is. When the difference is small, it is wise to choose the WA limited casco. The difference in premium will be negligible when your motorbike is stolen or damaged by a storm. When the difference in premium is too big, you should choose the WA coverage.
All-risk motorbike insurance after all?
In case of an accident caused by you, the WA limited hull insurance does not pay out for your own loss. The payment does follow from the all-risk motor insurance. In stead of the limited hull insurance, choosing the all-risk insurance is certainly an addition as far as the coverage is concerned. Again, the all-risk motor insurance is more expensive. The extra premium has to compensate for the broader coverage. This is again a matter of comparison and consideration. With a lot of years without claims, the difference between both types of coverage becomes smaller.
Coverages:
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