WA + limited casco coverage
This coverage is also called WA+ by insurers. The coverage is more extensive than the WA coverage and more limited than the all risk van insurance. In addition to legal liability, a number of causes of damage listed in the policy conditions are insured.
How do you insure a van that is already a few years old, but still represents a reasonable value? WA + limited casco seems like a logical choice. For example, in case of hail damage and theft, the van is insured, but you no longer pay the high price of premium for the van insurance.
WA (mandatory)
- Damage to others
- Theft,joyriding and loss
- Window damage
- Damage caused by fire or natural disasters
- Own damage from a collision
WA limited casco
- Damage to others
- Theft,joyriding and loss
- Window damage
- Damage caused by fire or natural disasters
- Own damage from a collision
All-Risk (WA+Casco).
- Damage to others
- Theft,joyriding and loss
- Window damage
- Damage caused by fire or natural disasters
- Own damage from a collision
When does the WA + limited casco pay out?
In all forms of insurance, the basis of the insurance is the third-party liability (TPL) coverage. Parts of the limited liability coverage may vary from one insurer to another, but in general all insurers maintain the same coverage. The insurer pays for damage to your own van in the event of the following causes of damage:
- Animal collision
- Hail and storm damage
- Lightning damage
- Theft and damage caused by theft
- Fire and explosion
- Window Break
When do you choose the third-party liability + limited collision insurance?
You choose the WA + limited casco van insurance for vans that you can no longer call young. For example, from the time the van is four years old. This is only an indication, because it is easy to imagine that you will continue to insure a van with a high daily value more extensively(all risks). For delivery vans from eight to ten years old, one often chooses only the WA coverage.
For an older van, should you choose the WA + limited casco?
From the moment the van has only a limited daily value, owners often choose the WA van insurance. If you have many claim-free years, the premium difference between the WA and the WA + limited casco is in some cases only small. For a slightly higher premium you can opt for more extensive coverage. For damage caused by storm, broken windows or after a collision with stray animals, you will be happy with the choice for the WA + limited casco van insurance.
Payout with no impact on claim-free years?
Accrued claim-free years should be cherished. They entitle you to a substantial discount on the premium. Damages you claim on the limited hull part of the van insurance do not cost you any claim-free years. In case of a payout as a result of theft, fire or broken window, for example, the claim will not affect the premium of the van insurance.
The big disadvantage of this van insurance is that in case of an accident, you will not be paid your own damages. You can choose the more extensive all-risk insurance to be insured against this.
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