What does third-party theft and fire coverage include?

The third-party liability + theft and fire is one of the four forms of insurance you can choose for the moped. The coverage in this insurance is limited to the WA and in addition theft and fire. There are also insurers that carry the description WA limited casco. Moped insurance policies with this description often offer broader coverage.

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

The main coverages in this form of insurance are coverage against liability damage (third-party liability) and theft coverage. This is because the risk of damage by fire is small compared to the other two coverages. TPL + theft and fire is often chosen for mopeds that are a few years old. For new mopeds, the most comprehensive form of insurance is the most logical choice (third-party liability + theft, fire and collision).

Pay attention to security requirements

When taking out moped insurance, the insurer will specify the requirements for eligibility for payment in the event of theft. A standard requirement is a lock with an ART category 3 or higher. In case of theft, the keys or a purchase receipt for the lock may be requested. They may request the keys to find out if there are signs of use on them. If there are none, they may conclude that the lock has been little or no use. They request the bill of sale to verify that you actually had the lock. Security requirements may vary from one insurer to another. Pay close attention to the requirements to avoid being denied benefits in case of theft.

What do you do in case of fire damage or theft?

In case of damage, you should inform the insurer as soon as possible. In case of theft, the first action is to report it. This can be done online these days. Report it as soon as possible. This increases the chance that the moped will be found.

All coverages in moped insurance:

• WA coverage
• Third party liability + theft, fire and collision