Third party liability + theft and fire coverage for a Quad
Unlike most other motor insurance policies, quad insurance has not three, but four forms of insurance. The WA theft and fire coverage is similar to the WA limited hull, yet slightly less comprehensive.
The large choice of insurance forms allows you to tailor the quad insurance to your preferences. The coverage includes more than you would initially expect.
What does third-party cover include?
This part of the insurance covers damages for which the driver of the quad is liable. For example, the driver overlooks a car coming from the right at an equal junction. The other party can submit the claim to your insurer. The insurer will not pay for the damage to your quad. You will have to draw on your savings for this.
Your quad insurance coverage
Third-party liability (mandatory)
- Damage to others
- Theft and fire damage
- Damage to own quad
WA Theft and Fire
- Damage to others
- Theft and fire damage
- Damage to own quad
WA Theft, Fire and Collision
- Damage to others
- Theft and fire damage
- Damage to own quad
What is theft?
The cover is wider than just stealing the quad. For example, damage to the vehicle due to an attempted theft is also covered under this insurance. You can also declare damage caused by joyriding. Joyriding is the taking away of the quad without permission of the owner. Embezzlement also falls under the heading of theft.
Compensation is broader than just fire damage
In the case of fire cover, you can think of arson or if the quad bike catches fire on the road. Here too, you can rely on a broader description. Lightning strike, explosion and short circuit are also covered.
When to choose WA + theft and fire?
When insuring a new quad, you go for WA + theft, fire and collision. This type of insurance is also often available for older quad bikes. But if you still find the premium too high, WA + theft and fire is a good alternative. Be aware that your own damage as a result of a collision or vandalism, for example, is not paid for.
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