WA + theft, fire and collision cover for a Quad
Naturally, you insure your new quad bike against third-party liability + theft, fire and collision. You do not want to run the risk that you will not receive any money in the event of damage to your quad. You can save with a more limited cover, but there is a smarter way to save on your quad insurance.
This insurance is similar to the third-party liability insurance that you may know from car insurance and insurance of other motor vehicles. It is the most expensive form of insurance, but in the event of a claim you will be glad that you did not save on the premium in the wrong way.
When can you claim for third-party liability + theft, fire and collision?
The description of the cover does not tell the full story. The coverage is in fact broader. For example, theft includes joyriding and attempted theft. The description fire also includes lightning strike and explosion. Collision cover also includes damage caused by vandalism, for example.
Is WA + theft, fire and collision always the best choice?
No, unfortunately it is not that simple. It is the most comprehensive form of insurance, but also the most expensive. The premium should be proportional to the coverage. For an older quad, it's better to choose one of the cheaper forms of insurance. You can choose from the following more limited forms of insurance:
- TPL
- Third-party liability + theft
- Third-party liability + theft and fire
You can find out which one suits you and your quad best by comparing them. First of all, use the most comprehensive insurance as a basis for the comparison. Then compare the premium and the coverage with the cheaper insurance forms. That way, you can make a well-founded choice.
You can then check annually whether the cover you have chosen is still the right one. As the quad gets older, its value also decreases. You may be able to save money in the future by choosing a more limited form of insurance. Make sure to compare your insurance first.
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