Insuring a Vespa

Once the Vespa is registered in your name, you are required to insure it. You can choose from three different coverage options: third-party liability, third-party liability plus limited comprehensive, and all-risk. Every scooter owner is required to have at least third-party scooter insurance. Third-party insurance covers liability for damage you cause to others, but you cannot file a claim for damage to your own Vespa under this coverage.

If you choose third-party liability + limited comprehensive coverage, you’re also protected against theft, fire, and storm damage, for example. All-risk coverage is the most comprehensive option and covers not only damage to others but also damage to your own Vespa, even if it was your fault. This means that damage to your own scooter—for example, due to an accident or a fall—is also covered.

With additional coverage such as roadside assistance, you’re never on your own if you break down on the road. Whether you ride an electric scooter or a classic Vespa, you can always count on help if you break down. That way, you stay mobile and can get back on the road quickly. With supplemental accident insurance or legal assistance, you’re also extra well-protected—for example, in the event of permanent disability or legal disputes following a collision.

Accessories such as a helmet, windshield, or lock can be covered under the policy, provided, for example, that the lock is an approved model. Accessories and additional parts are often covered under the policy, but be sure to check the terms and conditions and maximum reimbursement amounts.

If your scooter is stolen, it’s important to use a good lock—preferably one with the ART certification. You can also opt for additional coverage, such as for accidents or damage caused by your scooter. Some insurers offer the option to include accessories, clothing, and helmets as additional coverage under the policy. Once you’ve chosen the right coverage, your scooter is insured, and you can hit the road with peace of mind.

With Vespa insurance, you build up claim-free years. For every year that you don’t file a claim with the insurer, you earn one claim-free year. This earns you a no-claims discount, which lowers your premium. Over time, this can save you a significant amount of money and makes it worthwhile to drive without filing claims. Even if you sell your scooter, it’s important to keep accurate records of your claim-free years so you can transfer them to a new scooter insurance policy.