What coverages are available with moped insurance?

When buying moped insurance , pay close attention to price, of course, but place particular emphasis on the best coverage. Especially for mopeds with a high value, it is important to include fire, theft and collision insurance.
When it comes to insurance, it makes quite a difference what the moped is worth. If your moped is old and worth very little, go for the cheap third-party insurance. For a new moped worth a few thousand euros, only the most comprehensive moped insurance is good enough.
What forms of insurance can you choose between?
Compared to car insurance, for the moped you have a wider choice between forms of insurance. This way you can better tailor the coverage to your needs. You can usually choose between the following forms of insurance:

• Civil liability (WA)
• Third party liability + theft and fire
• WA + theft, fire and collision (similar to the WA casco coverage)

The best choice for your moped depends on the amount of the premium.

When do you choose third-party coverage?

This insurance provides compensation only for damage caused with the insured moped to others. When colliding with a cyclist, the material damage to the bike and clothing is compensated, but the insurer also pays for personal injury. Here you can think of the financial consequences of being temporarily unable to work. This coverage is required by law. This type of insurance is often chosen for older mopeds with only a small value left.

When to choose WA + theft and fire?

You can already tell from the name what the added value of the additional coverage beyond third-party is. Theft coverage in particular is a useful addition. Mopeds are popular vehicles to steal. With this coverage, however, pay close attention to the security requirements. There may be requirements for the quality of locks and night storage. The risk of fire is lower, but it can happen to you.

When to choose third-party liability + theft, fire and collision?

This insurance offers the best protection for your moped. The coverage is similar to the WA casco car insurance. In case of an accident caused by your fault, you will also be paid for the damage to your moped. This type of insurance is obvious for new mopeds until they are a few years old.

Do you also need additional coverages?

Depending on the coverage chosen, Legal Aid Recourse may be a useful addition. Also, don't forget the Accidental Occupants. In case of personal injury or death due to an accident, this additional insurance pays a sum of money.