What does third-party limited hull motorcycle insurance cover?
WA limited hull insurance is often chosen for older motorbikes that still have a high value, but for which all-risk coverage is no longer an option. Even motorbikes with a value of only a few thousand euros are still good candidates for this type of insurance.
When WA + limited Casco motor insurance?
In addition to the liability insurance, the WA + limited Casco insurance gives only limited coverage to the own property.
For motorbikes from three or four years old up to eight years old, we recommend the WA + limited Casco insurance. This is only a recommendation. Depending on the value and your available resources, you may want to consider WA + full body coverage.
What can you expect from WA limited hull insurance?
Actually, this insurance consists of two different covers. Firstly, the compulsory third-party insurance. This part of the motorbike insurance pays out for damage caused to others with the insured motorbike. The second part is the limited casco. You will receive a payment in case of damage to your motorbike caused by a number of listed causes of damage. There may be differences between insurers, but in general the limited casco 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
Third-party liability (mandatory)
- Damage to others
- Theft and fire damage
- Damage to own engine
WA Limited Casco
- Damage to others
- Theft and fire damage
- Damage to own engine
WA Full Casco (All-Risk)
- Damage to others
- Theft and fire damage
- Damage to own engine
Should I choose WA limited casco or WA?
The WA limited casco offers a broader coverage, but the premium is of course also higher than the WA motor insurance. By comparing them, you will find out what the difference in premium is. When the difference is small, it is wise to choose the WA limited casco. The difference in premium will be negligible when your motorbike is stolen or damaged by a storm. When the difference in premium is too big, you should choose the WA coverage.
All-risk motorbike insurance after all?
In case of an accident caused by you, the WA limited hull insurance does not pay out for your own loss. The payment does follow from the all-risk motor insurance. In stead of the limited hull insurance, choosing the all-risk insurance is certainly an addition as far as the coverage is concerned. Again, the all-risk motor insurance is more expensive. The extra premium has to compensate for the broader coverage. This is again a matter of comparison and consideration. With a lot of years without claims, the difference between both types of coverage becomes smaller.
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