What does third-party limited hull motorcycle insurance cover?

When WA + limited Casco motorcycle insurance?

In addition to liability insurance, third-party limited liability insurance provides only limited coverage for personal property.

For motorcycles from three or four years old to eight years old, we recommend the WA + limited Casco insurance. This is just a recommendation. Depending on the value and your available resources, you may consider opting for the WA + full Casco coverage.

There may be differences between insurers in certain areas, but in general, limited comprehensive coverage means that a payout is made in the following cases:

• Fire
• Explosion
• Storm damage and hail damage
• Natural disasters
• Lightning damage
• Collision with stray animals
• Theft, fraud and joyriding

Choosing the WA limited collision or the WA?

The WA limited casco offers broader coverage, but of course the premium is also higher than the WA motorcycle insurance. By comparing you will find out what the difference in premium is. If the difference is small, you would be wise to choose the more generous WA limited hull insurance. The difference in premium is negligible if your motorcycle is stolen or damaged by storm. If the difference in premium is too big, choose the third-party coverage.

Still the all risk motorcycle insurance?

In case of an accident caused by your fault, the limited liability insurance does not pay your own damages. The payment follows from the all risk motorcycle insurance. So instead of limited liability insurance, it is definitely an addition to the coverage. Again, all risk motorcycle insurance is more expensive. The extra premium should outweigh the broader coverage. This is again a matter of comparison and weighing up. With many claim-free years, the difference between both coverages becomes smaller.

Coverages:

• WA
• WA limited casco
• All risk