What does limited comprehensive motorcycle insurance cover?
Partial coverage is often chosen for older motorcycles that still have a high value but for which comprehensive coverage is no longer cost-effective. You can also get good coverage for motorcycles worth only a few thousand euros with this type of insurance.
When is motorcycle insurance limited to liability and partial coverage?
In addition to liability insurance, the third-party liability and limited comprehensive insurance provides only limited coverage for personal property.
For motorcycles that are three to eight years old, we recommend third-party liability (WA) plus limited comprehensive (Casco) coverage. This is only a recommendation. Depending on the value of your motorcycle and your budget, you may want to consider opting for third-party liability (WA) plus full comprehensive (Casco) coverage.
What can you expect from limited comprehensive coverage?
This insurance policy actually consists of two different types of coverage. First, there is the mandatory third-party liability insurance. This part of the motorcycle insurance provides coverage for damage caused to others by the insured motorcycle. The second part is limited comprehensive coverage. You’ll receive a payout for damage to your motorcycle caused by a number of specified causes.
There may be differences between insurers in certain areas, but in general, limited comprehensive coverage means that a payout is made in the following cases:
- Fire
- Explosion
- Storm Damage and Hail Damage
- Natural Disasters
- Lightning Damage
- Collisions with Stray Animals
- Theft, fraud, and joyriding
Compare Coverage Options
Third-Party Liability (Mandatory)
- Damage to others
- Theft and Fire Damage
- Damage to one's own engine
Limited Comprehensive Coverage
- Damage to others
- Theft and Fire Damage
- Damage to one's own engine
Comprehensive Auto Insurance (All-Risk)
- Damage to others
- Theft and Fire Damage
- Damage to one's own engine
Should you choose limited comprehensive coverage or basic liability coverage?
Limited comprehensive coverage offers broader protection, but the premium is, of course, higher than that of third-party liability motorcycle insurance. By comparing policies, you can determine the difference in premiums. If the difference is small, it’s wise to opt for the more comprehensive limited comprehensive coverage. The difference in premium is negligible if your motorcycle is stolen or damaged by a storm. If the difference in premium is too large, opt for third-party liability coverage.
Maybe I should just get comprehensive motorcycle insurance after all?
If you cause an accident, limited comprehensive coverage will not cover your own damages. However, you will receive compensation for your own damages under comprehensive motorcycle insurance. Choosing comprehensive insurance over limited coverage is therefore definitely an improvement in terms of coverage. Again, comprehensive motorcycle insurance is more expensive. The additional premium must be worth the more extensive coverage. This is another matter of comparing options and weighing the pros and cons. With many claim-free years, the difference in cost between the two types of coverage becomes smaller.
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