Which scooter insurance is right for you?
You have a scooter in your shed or driveway. Perhaps you ride it yourself or it is mostly your children who use it. Whether you use it or not, damage can occur fairly quickly. A scooter is not as sturdy as a car. When you crash into a car, it can cause significant damage.
Getting rid of a dent or scratch easily costs a few hundred euros. Not to mention the costs that someone else might suffer. Of course, you would prefer not to pay these costs yourself. For that you need scooter insurance. But do you choose for a standard insurance or a supplementary one? And what do you get insured? This page explains it all.
Go directly to
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
Scooter insurance needed: minimum coverage or still supplemental?
When do you make the choice to insure your scooter minimally or additionally? Here are some helpful tips for deciding which scooter insurance you need.
Value
The value of your scooter is pretty much the biggest factor in your choice of minimum or supplemental insurance. Supplemental insurance is now higher in monthly premium. If you have a scooter with a fairly low value, say 500 euros, then supplementary insurance may not be worth it. If your scooter is a few thousand euros, then additional insurance is worth considering.
Location
Your place of residence also weighs into your choice. If you live in a busy city, you are more likely to suffer damage than if you live in a quiet village. If you live in a busy city, it is advisable to get additional insurance.
What is insured?
When you purchase insurance, you have a choice of three types of insurance. We briefly explain below what you will be reimbursed for each type of insurance.
Third-party insurance
WA stands for "Legal Liability. This is the minimum insurance that can be taken out. The third-party insurance is also required by law. You should therefore always take out this insurance when you purchase a scooter.
With third-party insurance, only damage to another person is compensated. You will not be compensated for damage to your own scooter.
WA theft and fire
This is the first additional insurance you can take out. With third-party theft and fire insurance, you are insured against theft and fire in addition to liability.
You are still not covered with this insurance against damage to your own scooter that you caused yourself. To cover this, there is another insurance policy.
WA theft, fire and collision
The third-party theft, fire and collision insurance is the only insurance that actually covers damage you cause yourself. However, there is a condition. Under no circumstances may you have intentionally caused the damage. Did you do this? Then you will not be reimbursed.
Need scooter insurance? Take out through Alpina: simple and affordable
Are you considering scooter insurance? Then get scooter insurance from Alpina today. With scooter insurance from Alpina, you are always as fully covered as possible for the best premium. Do you have any questions about our scooter insurance? Then you can always contact our customer service. They are only too happy to answer all your questions.
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