Is scooter insurance mandatory?
You have purchased a new scooter. Not surprising since they are usually cheaper than cars and you can easily drive them around a busy city. You have started to consider getting scooter insurance. However, you are wondering if it is necessary to insure your scooter. Now you are just not sure if you are required to insure your scooter at all.
If you own a scooter and wish to ride on it, you must comply with applicable laws and regulations. One of these regulations is that you may not take a motor vehicle onto the streets without having your vehicle insured. Thus, this also applies to your scooter. Don't know which insurance is mandatory? Or what kind of insurance you can choose from? Then we will briefly explain this to you.
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 insurance is only mandatory coverage
For starters, there is third-party insurance. This is the very first insurance you can choose from and is the only one required by law. Without taking out this insurance, you are not allowed on the road with your scooter. Are you stopped without taking out third-party insurance? Then you will get a fixe fine and have to get off immediately. You will then have to arrange replacement transportation to come pick you up or you will have to walk home.
The reason TPL insurance is mandatory is because it covers the damage you cause to another person. For example, do you drive into a car? Then this insurance covers the damage to the car. Damage to your scooter is only not covered by third-party insurance.
WA Theft and Fire Damage
This insurance covers the same as third-party insurance but adds two more components. Namely, damage caused by theft or fire. However, this is subject to a number of conditions. You must have taken precautions to prevent theft. You must have the right locks and not just leave your scooter unattended. Did you do this? Then there is a chance that your insurance company will not pay out.
WA Theft, Fire and Collision
WA Theft, Fire and Collision insurance covers damage to your own scooter in addition to damage to another person, theft and fire. This insurance has the highest premium. The amount of this premium is mainly determined by the value of your scooter. Usually this insurance is taken out only, for scooters that are new and still have significant value.
Take out mandatory third-party scooter insurance through Alpina
Do you want to get WA scooter insurance for? Then you have come to the right place at Alpina. At Alpina you always get the most complete insurance for the right price. Do you have any questions about insurance? Please contact us or request a free quote.
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