What is covered under an All Risk scooter insurance policy?
The most comprehensive scooter insurance is the third-party insurance + theft, fire and collision. This insurance is most similar to all-risk insurance, as we know it for a car, and is therefore also called all-risk scooter insurance. Do you want to be fully insured? Then you should opt for this insurance. It may cost a little more, but then you are comprehensively insured. But what exactly does all-risk scooter insurance cover? We explain it to you.
What does all-risk insurance cost?
All-risk scooter insurance is the most comprehensive and therefore the most expensive scooter insurance. You may pay a little extra, but you will be fully insured in case of damage to your scooter. The further cost of all-risk scooter insurance depends on a number of factors. For example, an insurer will look at the type of scooter, your zip code and the age of the youngest driver. This is because, on average, young drivers are more likely to incur damage. In addition, they will look at the catalog value or daily value of the scooter. Finally, the number of claim-free years you have accumulated is influential. The more claim-free years, the more discount you get on the premium. For all-risk scooter insurance, you will pay an average of several tens of euros per month. The final price depends on all the factors mentioned above.
What is the difference between a WA and an all-risk scooter insurance?
You are obliged to take out at least a WA insurance for your scooter. With a WA scooter insurance you are insured for damage you cause to others or other people's possessions. Damage to your own scooter will not be compensated. When a collision is your fault, your insurer will pay the damage to the other party. Damage to your own scooter you will have to pay. If the damage to your scooter was caused by another person, you can recover this from the insurer of the other party.
The WA + theft, fire and collision is the most extensive coverage and is therefore also seen as an all-risk scooter insurance. The name says it all: with this insurance you are not only insured for third-party liability, but your insurer also pays out for damage caused by theft, fire or collision. Moreover, damage to your own scooter is also insured, even when the damage is your own fault.
For new scooters an all-risk scooter insurance is always chosen. However, it may also be wise to take out an all-risk insurance for a second-hand scooter. As a scooter driver you are vulnerable in traffic. Accident is in a small corner and before you know it your scooter is damaged. When your scooter is damaged, the costs can be considerable. Also for an older scooter with a high daily value, this coverage may be wise.
Get all-risk scooter insurance through Alpina
Getting all-risk scooter insurance? Then you can do so easily and quickly through Alpina. Through our online comparison tool you can easily compare different providers. Comparison is important, because premiums and policy conditions can vary a lot. By comparing, you can be sure to get the best scooter insurance at the lowest price. Do you find the right scooter insurance while comparing? Then you can take it out immediately. This way you can safely hit the road with your scooter.
Do you have any questions about our scooter insurance? Then please contact us. Our insurance specialists will be happy to help you. Also have a look at our frequently asked questions about scooter insurance. Maybe your question is already answered!
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