Will my moped insurance pay for my damage?
When your moped is damaged, do you call in your moped insurance, but does the insurer pay for the damage to your moped? This depends on the type of insurance chosen and the circumstances of the damage.
You can choose between three forms of moped insurance. The most limited form of insurance is the third-party moped insurance. This only provides coverage against legal liability, i.e. damage caused to others. The most comprehensive form of insurance is the third-party liability + theft, fire and collision. For example, this moped insurance also pays out in the event of an accident caused by the driver of the insured moped. The name of this form of insurance also shows that the coverage is even broader than collision damage alone. This is the most expensive form of insurance. The last form of insurance is third-party liability + theft and fire, an intermediate form that insures against damage caused by fire or theft.
What does the insurer pay out in the event of a claim?
Do you only have the third-party coverage? In that case, you will not be paid for damage to your own moped. For damage caused by others to your moped, you can hold the other party liable for the damage. With the WA + Theft and Fire coverage, you can only file a claim with the insurer in case of theft or fire. For damage caused by a collision or vandalism, for example, you can only make a claim to the insurer with the most comprehensive moped insurance.
What are the possibilities if someone else is liable?
For example, was the damage to your moped caused by another motor vehicle? Then you can hold the insurer of the motor vehicle that caused the damage liable. Your insurer will do that for you if the moped is insured with the most comprehensive moped insurance.
What does the insurer pay if it is co-insured?
The damage is often determined by an expert. The insurer engages this expert and also bears the costs. The expert establishes the damage amount. Subsequently, the insurer pays out the damage amount to you. The payment from the moped insurance is maximum the current value of the moped.
Go for the most comprehensive moped insurance
This does show that it is best to choose the third-party liability + Theft, fire and collision. But the premium should not be too high. For a moped of only a few hundred euros, it is better not to buy the most comprehensive moped insurance. Even for an older moped, the most comprehensive moped insurance may not be worth it. This is because the amount of the premium is based on the daily value of the moped, even if the value is still small.
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