Is scooter insurance compulsory?
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 want to ride it, you must comply with the applicable laws and regulations. One of these rules is that you may not drive a motor vehicle on the street without being insured. This also applies to your scooter. Don't know which insurance is compulsory? Or what kind of insurance you can choose from? Then we will explain it to you briefly.
Your scooter insurance coverage.
Third-party liability (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 the only compulsory cover
To begin with, there is third party insurance. This is the very first insurance you can choose from and the only one that is compulsory by law. Without this insurance you are not allowed to drive your scooter. Are you stopped without having taken out a third party insurance? Then you will get a fixed fine and you have to get off immediately. You will then have to arrange for replacement transport to pick you up or you will have to walk home.
The reason that third-party insurance is compulsory is because it covers the damage you cause to another person. For example, did you crash into a car? Then this insurance covers the damage to the car. Damage to your scooter, however, is not covered by the third-party insurance.
Third Party 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
The WA Theft, Fire and Collision Insurance covers besides damage to another person, theft and fire, also damage to your own scooter. This insurance has the highest premium. The height of this premium is mainly determined by the value of your scooter. Normally this insurance will only be taken out for scooters that are new and still have a considerable 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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