What does company car insurance WA + limited casco cover?

This insurance provides coverage for liability damage plus a limited extension to the legally required third-party commercial vehicle insurance. A number of coverages listed in the policy conditions are additionally co-insured. The insurance is slightly more expensive than the WA motor insurance, but in case of, for example, fire damage, hail damage and theft of the car, you will be happy with this extension.

The WA + limited casco is a popular form of insurance for company cars that are no longer new, but not yet 10 years old or older. For a newer company car you choose the all risks insurance and for cars 10 years old or more you choose the WA company car insurance. This is only an indication. A 10-year-old car can still represent a high value. In that case it is wise to choose the WA + limited casco insurance. You can find this out by comparing commercial vehicle insurance. With a premium difference of only a few euros per month, you will naturally prefer a commercial vehicle insurance with more comprehensive coverage.

What coverage does WA + limited casco offer?

Insurers almost all offer the same coverage in the third-party liability + limited collision. They may use a different description for this form of insurance, but they are essentially the same. The description WA + mini casco or WA + for short is also common. The WA + limited casco offers coverage against the following causes of damage:

• Collision with stray animals
• Storm damage
• Hail damage
• Lightning damage
• Fire
• Explosion
• Theft and damage caused by theft
• Window Break

Claims paid out from these coverages do not affect the amount of claim-free years. However, a deductible may be due.

What does the amount of the premium depend on?

What insurance for your company car costs depends on several factors. This also explains the large premium differences between insurers. One insurer counts the insured's zip code heavily, while another insurer penalizes especially young drivers heavily with a high premium. Insurers also interpret the use of the car differently. Some insurers refuse company car insurance if the vehicle is used for delivering meals or as a courier. Other insurers actually want to insure it. Heavy factors for the premium include:

• The catalog value and daily value of the car
• Is the car used for business and how?
• How many miles are driven with it per year?
• The weight and payload
• How many claim-free years have been accumulated?

Want to know what you'll spend per month on commercial vehicle insurance? Calculate it online. When comparing, you can also see what the premium will be if you choose the all-risks commercial vehicle insurance or the third-party insurance.

Other coverage:

• WA
• WA + limited casco
• All risks