Voor het verzekeren van motor kiezen we voor een motorverzekering. Deze verzekering is bij wet verplicht, dus het mag en kan niet genegeerd worden. Maar stel u gaat verzekeren: welke verzekeringsmethode is beter? Is het de WA of de Allrisk verzekering? In dit artikel proberen we hier antwoord op te geven.
WA of Allrisk?
Een WA verzekering is voor elke eigenaar van een motor verplicht om af te sluiten. Het is een wettelijke verplichte aansprakelijkheid. Deze verzekering dekt schade die aan derden kan worden toegebracht. Schade aan de eigen motor niet wordt dus gedekt. Alleen bij een allrisk verzekering kan schade aan eigen motor gedekt worden. De vraag naar welke verzekeringsmethode het best is, kan eenvoudig beantwoord worden.
Voor het verzekeren van een motor wordt er naar de leeftijd ervan gekeken. De WA verzekering voor een motor mag afgesloten worden indien de motor een leeftijd van 8 jaar heeft bereikt. Nieuwe motoren worden dus niet altijd WA verzekerd. Voor nieuwe motoren geld dat het beter is een allrisk verzekering af te sluiten. Dit kan tot de motor een leeftijd van 3 jaren heeft bereikt.
Een Allrisk motorverzekering biedt een uitgebreide en een complete dekking voor het verzekeren van de motor vergeleken met de WA verzekering. De allrisk verzekering is een aansluiting op de WA verzekering waarbij, bij deze dekking ook schade aan de eigen motor wordt vergoed. Doordat de allrisk verzekering uitgebreid is, kun je nog voor meer zaken verzekerd worden. Denk maar aan een vergoeding bij een aanrijding of diefstal. Alles wordt vergoed ongeacht de schuldvraag en bij wie de schuldvraag zit.
Tot slot
Voor het verzekeren van een motor kiezen we voor een motor verzekering. Wanneer het voertuig verzekerd moet worden bestaat er de keuze uit een WA of allrisk verzekering. De WA verzekering is wettelijk aansprakelijk plus verplicht. De allrisk daarentegen bied een uitgebreide dekking. Welk van de verzekeringen beter is, is voor een groot deel afhankelijk van de leeftijd van de motorfiets. Heb je een splinternieuw model, dan is een Allrisk verzekering sterk aan te bevelen. Is je motor al heel oud en heeft het bijna geen waarde, dan zit je met een verplichtte WA eigenlijk al goed.
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