Can scooter insurance be purchased in my parent's name?
In principle, the holder of the vehicle registration certificate must take out a suitable insurance himself. The holder of the scooter's registration number is obliged to take out insurance: at least a third-party insurance must be taken out.
If your parents have the scooter in their name, they can buy scooter insurance. If you are going to ride it, you must be listed as the driver. This is to avoid problems in case of damage.
Why do I pay much more insurance premium for a scooter than my parents?
Insurers calculate scooter insurance premiums based on the youngest driver. Younger drivers (under age 24) have less driving experience and are more likely to be involved in claims. To ensure that the insurer can bear this claim burden, the premium is higher for younger drivers.
Can the insurer be difficult if the right person is not on the policy?
Yes. The insurer calculates its premium on the basis of an estimate of the risk it runs. If it turns out that the correct information was not provided when the application was made (and therefore a lower premium was paid), the insurer can charge an increased excess in the event of a claim. The insurer may also decide not to compensate the damage at all due to fraud. It is therefore very unwise not to mention the youngest driver when applying.
Can my parents take care of the insurance business for me?
Until you are 18 years old, your parents can arrange insurance matters for you. Are you over 18? Then you have to apply for scooter insurance yourself. For questions and changes, your parents can call you when you have given them permission to do so.
Is the license plate in your name? Then it makes more sense to take out your own insurance for the scooter. This is the only way to build up claim-free years. When the license plate is in your name, scooter insurance is mandatory. You have to have at least a third-party insurance for your scooter.
Compare scooter insurance online
The premium for scooter insurance can be high. Especially if you opt for third-party liability + Theft, Fire and Collision coverage and the driver is under the age of 24. Therefore, it is important to compare scooter insurance online. That way, you know you will never pay too much for insurance.
Which scooter insurance do you need?
In addition to the mandatory third-party scooter insurance, you have a choice between three more comprehensive coverages. Which scooter insurance you need depends on the age of the scooter, its value and your financial position. The coverages are:
The name of the insurance shows what coverage it provides. The most comprehensive scooter insurance can be compared to the third-party cascade insurance, as known from car insurance. The premium for scooter insurance is easy to calculate.
Which coverage is the best choice for your scooter
Coverages vary widely, but so does the premium. For third-party + theft, fire and collision, you will pay more than for third-party insurance. Of course, the coverages in the different forms of insurance also vary greatly. The WA scooter insurance only pays out when causing damage to another person. Damage to your own scooter is not covered by this insurance. In case of theft or damage as a result of an accident, you have to pay the costs yourself. The amount of the daily value can play an important role in your choice of coverage, as well as the premium that insurers ask for the coverage.
Your scooter insurance coverage.
Third-party liability (mandatory)
- Free recovery service
- Damage to others
- Theft and fire damage
- Damage to own scooter
WA Theft and Fire
- Free recovery service
- Damage to others
- Theft and fire damage
- Damage to own scooter
WA Theft, Fire and Collision
- Free recovery service
- Damage to others
- Theft and fire damage
- Damage to own scooter
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