WA + limited casco coverage
This coverage is also called WA+ by insurers. The cover is more extensive than the WA cover and more limited than the all-risk van insurance. In addition to third-party liability, a number of causes of damage listed in the policy terms and conditions are insured.
How do you insure a van that is already a few years old, but still represents a reasonable value? WA + limited hull seems a logical choice. The van is insured for hail damage and theft, for example, but you no longer pay top dollar for the van insurance.
Third-party liability (mandatory)
- Damage to others
- Theft, joyriding and loss
- Windscreen damage
- Damage by fire or natural disaster
- Own damage caused by a collision
WA limited casco
- Damage to others
- Theft, joyriding and loss
- Windscreen damage
- Damage by fire or natural disaster
- Own damage caused by a collision
All-Risk (WA+Casco)
- Damage to others
- Theft, joyriding and loss
- Windscreen damage
- Damage by fire or natural disaster
- Own damage caused by a collision
When does the WA + limited hull insurance pay out?
With all forms of insurance, the basis of the insurance is formed by the coverage against third-party liability (WA). The components of the limited hull may differ from one insurer to another, but in general all insurers offer the same coverage. The insurer will pay for damage to your own delivery van for the following causes of damage:
- Collision with animals
- Hail and storm damage
- Lightning damage
- Theft and damage caused by theft
- Fire and explosion
- Window breakage
When do you choose WA + limited casco?
You choose the WA + limited casco delivery van insurance for delivery vans that can no longer be called young. For example from the moment the van is four years old. This is only an indication, because it is easy to imagine that you will continue to insure a delivery van with a high current value more extensively(all risks). For delivery vans from eight to ten years old, often only WA coverageis chosen .
For an older van, should you choose the WA + limited casco?
From the moment that the van has only a limited daily value, owners often choose the third-party insurance for their van. If you have many claim-free years, the difference in premium between the third-party insurance and the third-party + limited hull insurance is in some cases only small. For a slightly higher premium you can choose for a more extensive coverage. In case of damage caused by e.g. storm, broken windows or after a collision with stray animals you are happy with the WA + limited casco van insurance.
Payout with no impact on claim-free years?
Accumulated claim-free years should be cherished. They give you the right to a substantial discount on the premium. Claims you make on the limited cover part of the van insurance do not cost you any claim-free years. If a payment is made as a result of theft, fire or broken glass for example, the claim will not affect the van insurance premium.
The big disadvantage of this van insurance is that in case of an accident you will not be paid for your own damage. You can opt for the more extensive all-risk insurance to cover this.
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