What coverage should I take out with moped insurance to include theft?

You can co-insure theft in moped insurance. You do not need the most comprehensive mopederinsurance. The two more limited forms of insurance also offer theft coverage. Brommers carry a high risk of theft. With good locks, you can reduce the risk of theft, but you cannot eliminate the risk. Even with the best locks your mopeder can still be stolen. Good security only makes it more difficult. So insuring the risk is definitely recommended.

Choose at least the third-party liability + theft coverage

Especially brommers with a high value are stolen, but also mopeders with expensive accessories are also popular among the thieves' guild. But you also have so-called casual thieves. They are not looking specifically for a valuable mopeder, but pay particular attention to chance and opportunity. The brommer stands, for example, in a place where they can quietly destroy the ditches and then the brommer away. Preferably insure the mopeder against theft.

Pay close attention to insurer requirements

If you are against theft of the brommer insured, you will receive the benefit only after meeting minimum security requirements. A first requirement is to report it to the police. In addition, the insurer may request evidence showing that you used the proper locks. For example, they may request the keys to the lock. In the case of expensive brommers, the insurer may stipulate the condition that the mopeder is kept in a locked room during night hours. Pay close attention to what the conditions are. If the requirements are not met, the insurer will not pay out in case of theft.

What coverages can you choose between?

The cheapest brommerinsurance is the third-party insurance. It only covers the costs mopeder damage to others. This is the only form where you do not have coverage against theft. The other coverages are as follows:

• Third party liability + theft
• Third party liability + theft and fire
• Third party liability + theft, fire and collision.