Third-party coverage with mobility scooter insurance

For a mobility scooter, third-party insurance is mandatory. Depending on the value of the mobility scooter, you may choose more extensive coverage. Choosing the WA insurance means that your own damage to the vehicle will not be paid for. Is your damage recoverable from the person who caused the damage? In that case, you can hold the other party liable, but your insurer will not do that for you.

When is third-party insurance mandatory?

As soon as you use the mobility scooter, it must be insured. Even if you do not use the vehicle on public roads. Whether or not the mobility scooter is insured is shown by the insurance plate on the back of the vehicle. If it is not mounted during an accident, the insurer will not provide coverage. This is because the insurance plate is a requirement for being insured.

When will benefits follow?

The insurer pays out in the event of damage caused by the insured mobility scooter. It may be material damage, but the insurer will also pay for personal injury. Material damage is, for example, damage caused to a parked car. Personal injury can be caused by colliding with a cyclist. A mobility scooter is a motor vehicle. In a collision with a pedestrian or cyclist, the driver of the mobility scooter is almost always at fault. This is because cyclists and pedestrians are protected by law because they are considered weak road users.

Can the mobility scooter be more extensively insured?

Yes, that is possible. In addition to the WA insurance, you can also choose the WA + theft coverage or the all-risks mobility scooter insurance. From the name WA + theft you can already see what coverage this insurance offers. The all-risks is also called WA-casco. In addition to the WA and theft coverage, this form of insurance also covers damage to the mobility scooter by, for example, a collision or vandalism. Of course, the more comprehensive forms of insurance are more expensive. The amount of the premium depends largely on the value of the mobility scooter.

Is third-party insurance a wise choice?

Third-party insurance is often chosen for older mobility scooters with only a small value left. A mobility scooter with a value of a few thousand euros is not exclusively insured against third-party liability. In case of an accident caused by you, this coverage will not pay for the damage to your mobility scooter. In that case, you choose the all-risk coverage. For an older mobility scooter, you can consider the third-party liability + theft coverage. You can also let the choice depend on the differences in premium. It is often possible to pay a little more for more extensive coverage.

What form of insurance do you choose?

In addition to the mandatory WA mobility scooter insurance, you have a choice of two more comprehensive coverages:

• WA
• All-risk (WA casco)

Few insurers offer insurance for the mobility scooter. Third-party liability (TPL) insurance is mandatory. Especially for a new mobility scooter and for older vehicles with a high daily value, the WA insurance is too limited. For these motor vehicles, you can also choose WA-casco(all-risk). The WA-casco(or all-risk) offers the most extensive coverage and reimburses almost all damages.