Third-party insurance for a scooter
The abbreviation WA stands for legal liability. The addition legal already shows that this scooter insurance is mandatory. This is not without reason. The cost of damages can be steep.
You would prefer to insure your scooter as comprehensively as possible. However, this is not always wise. For a scooter with a daily value of a few hundred euros, you do not want to pay hundreds of euros in premium.
What coverage does WA scooter insurance offer
TPL insurance only pays for damage caused to others or the property of others. You cannot claim your own damage from your insurer. If the collision is your fault, your insurance company will pay for the damage to the other party, but you will have to pay for the damage to your own scooter. If the damage was caused by the other party, you can recover it from the insurer of the person who caused it.
Your scooter insurance coverage.
WA (mandatory)
- Damage to others
- Theft and Fire Damage
- Damage to own scooter
WA Theft and Fire
- Damage to others
- Theft and Fire Damage
- Damage to own scooter
WA Theft, Fire and Collision
- Damage to others
- Theft and Fire Damage
- Damage to own scooter
Who is required to insure the scooter
The insurance obligation lies with the owner of the scooter. This is the person who has the motor vehicle in his or her name. Even if someone else usually rides the scooter, the owner is liable for the insurance obligation. The owner is responsible for the conduct of the driver. If the insured scooter is damaged, the other party has a direct right of action against your insurer. If your scooter is not insured, you run the risk of being fined and are also responsible for paying for damages.
When to go for third-party scooter insurance
There are four forms of insurance to choose between. You choose the most limited third-party insurance if your scooter has only a small daily value. Keep in mind that you can never claim your own damages with this scooter insurance.
Save on scooter insurance with third-party insurance
Saving on premium should be done the right way. You save money by choosing third-party instead of third-party + theft and fire, for example, but may regret this if your scooter is stolen. You can save better by comparing scooter insurance policies and choosing the most comprehensive insurance at the lowest premium.
All coverages in scooter insurance:
Never underinsured
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