Accidental passenger insurance
Accidental occupant insurance is an additional policy to your moped insurance. With passenger accident insurance, your insurer will pay out an amount in the event of permanent disability or death of one or two passengers as a result of an accident. A moped accident is not always limited to property damage, but can also cause personal injury. The personal injury may be limited to scrapes, but with a bit of bad luck, it can leave you with permanent injuries. An accident can affect your entire life by leaving you permanently disabled. In the event of death, the insurer pays the amount to the next of kin.
In an accident, hopefully it only stays to damage to your moped. Unfortunately, you are vulnerable on a moped and there are plenty of examples where, unfortunately, it did not just stay to damage. There is a chance that you or your passenger could be injured and possibly permanently disabled or even die. This is why there is accident passenger insurance, as a supplement to your moped insurance. We explain what this coverage entails and what exactly you are insured for.
Accidental occupant insurance coverage
Through Alpina, you can purchase additional accidental occupant coverage. This is an addition to your moped insurance. This additional coverage applies to every passenger on the moped, both the driver and the person sitting behind. Regardless of fault, accident-occupant insurance always pays out in the event of permanent disability and death.
What is insured?
It varies from insurer to insurer what is and is not covered with accidental occupant insurance. In general, you are insured in the following situations:
- Death
Do you or a passenger die in a traffic accident? Then the insurer will pay compensation to your next of kin. - Disability
Do you or a passenger become permanently disabled due to a traffic accident? Then the insurer will pay an amount depending on the degree of disability. - Accident in the immediate vicinity of your moped
Even if the accident occurs while you are not on the moped, but are in close proximity to it, you are insured. For example, the moment you get on or off, stop to refuel, make an emergency roadside repair, or stop to help another road user.
What is not insured?
Generally, accidental passenger insurance does not apply to claims by:
- Driving on a circuit
- Rental of your moped
- Intent or recklessness
- Organized violence
- Atomic nuclear reactions, earthquakes and volcanic eruptions
Also, your insurer will not pay out if the driver was under the influence of drugs, medications or too much alcohol during the accident.
How high is the benefit?
The amount of the benefit varies from one insurer to another. In the case of death, the benefit often amounts to thousands of euros, and in the case of permanent disability, often several tens of thousands of euros. In the case of permanent disability, the insurer often looks at the degree of disability, and then bases the amount of the benefit on that. This is to help with the costs of the injured person or his/her survivors, which can often be considerable.
What does the benefit depend on?
With accident passenger insurance, the insurer always pays out, regardless of fault. The person responsible for the damage can also be sued for the costs caused by the accident. These are often long-term lawsuits that can take years to resolve. Passenger accident insurance pays out as soon as it is clear that there is permanent disability. In the event of death, on the other hand, the payment is made immediately.
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