Which scooter insurance offers coverage against fire?
You can choose between different types of insurance for your scooter. The more extensive forms of insurance also provide coverage against fire.
There are four forms of insurance you can choose between for scooter insurance. Which coverage is best to choose depends largely on the value of your motor vehicle. For an old vehicle with low value, you do not choose the most comprehensive insurance. This is because the premium has to be proportional to the coverage. You're not going to pay a premium of several hundred euros if the scooter is only worth €500.
The two forms of insurance below provide coverage against fire:
What coverage for your scooter
TPL + Theft, Fire and Collision is the insurance with the most comprehensive coverage, but you also pay the highest premium for it. The most comprehensive insurance can be two to four times more expensive than the WA + Theft and Fire. Still, that's no reason to choose the cheaper one. The most comprehensive scooter insurance also provides coverage against collision damage.
Which forms of insurance do not provide coverage against fire
The difference in premium between the third-party liability + theft and fire and the third-party liability is large. In particular, the risk of theft is high with a scooter. Because of this, coverage against theft is more important than coverage against fire.
When to choose WA scooter insurance
You opt for the third-party coverage only if the scooter has hardly any value left. For the more extensive coverage, the premium becomes too high when you compare it to what you get for the extra money. You need to avoid paying a sky-high premium and getting very little in the event of a claim.
What is paid in case of fire damage?
From the scooter insurance you will be paid the repair costs. In case of fire, in most cases recovery will no longer be possible. In that case the current market value of the scooter will be paid out. To determine the current market value immediately before the accident, the insurer may call in an expert. The remains of the scooter may still be sold. In total, you will be paid a maximum of the current market value.
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