Additions to moped insurance
In addition to moped insurance, you can choose to purchase additional policies. Which ones can you choose and what is the function? Not all supplements are always advisable. You want to avoid having double insurance coverage. Only take additional coverage on your moped insurance if it really adds value.
Insure yourself and the riders
In moped insurance, you insure liability for damage done with the moped. Optionally, you can also insure damage to your own moped. There are two additional insurances to alleviate the financial suffering for yourself and the passengers in an accident.
Accidental occupant insurance
An accident can result in serious injury or death. Accidental Passenger Insurance provides lump sum compensation in the event of personal injury. This is a payment in the event of permanent disability and death of the driver and/or passengers. You can partly determine the amount. In case of disability, the benefit is not sufficient to make up for the loss of income due to the disability. Most policies involve a benefit of tens of thousands to about one hundred thousand euros, and a lower amount is insured in the event of death.
Passenger indemnity insurance
This insurance is more expensive than accidental passenger insurance, but the coverage is also much broader. In addition to paying out for personal injury, this insurance also pays out for property damage resulting from an accident. For example, there is coverage for damage to the belongings of the passengers. Passenger damage insurance is also much broader in terms of personal injury. Both the driver and the passengers are paid for the actual damages suffered. Suppose a passenger becomes disabled due to a scooter accident. Passenger insurance will pay out, fully compensating the injured party. This can total hundreds of thousands of euros in the case of permanent disability.
Recourse legal expenses insurance
In some situations, you have to make your claim to the person who caused the damage. Normally, this is not necessary with the most comprehensive third-party insurance. The insurer will pay for the damage to your scooter itself. Is your scooter WA or WA limited casco insured? Then recovering your damage from the other party is not insured. For this you can take out legal assistance insurance. The insurer will then take care of recovering your damages.
Legal expenses insurance for motor vehicles
This insurance also takes care of recovering damages from the perpetrator, but the coverage is broader than recourse legal expenses insurance. You can also use the insurance for a dispute with a scooter dealer, for example, or for disagreements about repair costs with the garage. You can even turn to this insurance for legal help in case of criminal prosecution due to an accident. However, there may be specific requirements for using motor vehicle legal expenses insurance.
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