What does third-party limited hull motorcycle insurance cover?
WA limited casco is often chosen for older motorcycles that still have a high value, but for which all-risk coverage is no longer possible. Even motorcycles with a value of only a few thousand euros can still be well insured with this type of insurance.
When WA + limited Casco motorcycle insurance?
In addition to liability insurance, third-party limited liability insurance provides only limited coverage for personal property.
For motorcycles from three or four years old to eight years old, we recommend the WA + limited Casco insurance. This is just a recommendation. Depending on the value and your available resources, you may consider opting for the WA + full Casco coverage.
What can you expect from the WA limited casco?
Actually, this insurance consists of two different coverages. First, the compulsory third-party insurance. This part of the motorcycle insurance pays out for damage caused to others with the insured motorcycle. The second part is the limited hull insurance. You will receive payment in the event of damage to your motorcycle from a number of listed causes of damage. There may be differences between the insurers in some areas, but in general the limited hull means that a payment follows in case of:
- Fire
- Explosion
- Storm damage and hail damage
- Natural disasters
- Lightning damage
- Collision with stray animals
- Theft, fraud and joyriding
WA (mandatory)
- Damage to others
- Theft and Fire Damage
- Damage to one's own motorcycle
WA Limited Casco
- Damage to others
- Theft and Fire Damage
- Damage to one's own motorcycle
WA Full Casco (All-Risk)
- Damage to others
- Theft and Fire Damage
- Damage to one's own motorcycle
Choosing the WA limited collision or the WA?
The WA limited casco offers broader coverage, but of course the premium is also higher than the WA motorcycle insurance. By comparing you will find out what the difference in premium is. If the difference is small, you would be wise to choose the more generous WA limited hull insurance. The difference in premium is negligible if your motorcycle is stolen or damaged by storm. If the difference in premium is too big, choose the third-party coverage.
Still the all risk motorcycle insurance?
In case of an accident caused by your fault, the limited liability insurance does not pay your own damages. The payment follows from the all risk motorcycle insurance. So instead of limited liability insurance, it is definitely an addition to the coverage. Again, all risk motorcycle insurance is more expensive. The extra premium should outweigh the broader coverage. This is again a matter of comparison and weighing up. With many claim-free years, the difference between both coverages becomes smaller.
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