Scooter insurance WA + theft, fire and collision
The most comprehensive scooter insurance is the third-party liability + theft, fire and collision. This insurance is most similar to all-risk insurance as we know it from car insurance.
If you want the most complete coverage for your scooter, choose this coverage. It is the most expensive of the four forms of insurance, but by comparing you can select the cheapest insurer, and still have ample coverage for your scooter.
Your scooter insurance coverage.
WA (mandatory)
- Damage to others
- Theft and Fire Damage
- Damage to own scooter
WA Theft and Fire
- Damage to others
- Theft and Fire Damage
- Damage to own scooter
WA Theft, Fire and Collision
- Damage to others
- Theft and Fire Damage
- Damage to own scooter
Third party liability + theft, fire and collision coverage
The abbreviation WA stands for mandatory third-party liability coverage. The biggest advantage of the insurance form WA + theft, fire and collision over the three more limited coverages is the collision component. In the event of damage caused by your fault, the other party is compensated from the third-party coverage. In this form of insurance, if you are at fault, you will also be paid for the damage to your own scooter.
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When to choose third-party liability + theft, fire and collision insurance
For new scooters, this coverage is chosen by default. Even when buying a used scooter only a few years old, you really shouldn't settle for more limited coverage. One error in judgment can cause you damage. It is very frustrating if you then do not get your own damages paid out. Even for older scooters with a high daily value, this coverage can make sense.
Keeping the premium low
By not choosing the first best insurer, you can save a lot of money. By comparing online, you know what you will lose in premiums with the different insurers. Over the years, the premium can decrease even further, because you build up claim-free years. These entitle you to an extra discount on the scooter insurance. After the scooter insurance has run for one year, you can compare again and possibly save again by switching.
All coverages in scooter insurance:
Never underinsured
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