WA (Third Party Liability)
Mandatory. Covers damage to others. Basic for new fleets or older vehicles.
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Business moped insurance
For self-employed persons and SMEs in the city: choose Third-Party Liability , Third-Party Liability + Limited Casco , or Comprehensive Liability . Smart options for Birò and Citroën Ami , including accessories and battery coverage.
Quick start
- Provisional coverage possible
- Multiple drivers/use
- Fast acceptance & service
Which coverage suits your company?
Third party liability + Limited Casco
Theft, fire, storm, and window coverage. A popular choice for recently used business mopeds.
Fully comprehensive (all-risk)
Also includes own damage. Recommended for newer/more expensive models or intensive use.
What determines your business premium?
Usage & mileage
Delivery/city logistics, commuting, or service calls. Intensity and kilometers affect the premium.
Postal code & parking
Region, overnight storage (garage/business park) and security/track & trace all count.
Vehicle value
Higher value → higher premium. Consider the purchase or new-value arrangement.
Damage history
Claim-free years/discount per vehicle. The company's claims burden is taken into account.
number of vehicles
Discounts for multiple vehicles or fleet policies. One contract for clarity and convenience.
Damage & no-claim business
Report damage
Direct assistance with damage repair, the other party and replacement transportation where possible.
No-claim & relapse
Claims affect the discount/step. Sometimes it can be beneficial to cover minor damages yourself.
Own risk
Customized deductible for a lower premium. Varies by coverage and vehicle value.
Theft & total loss
With WA+ coverage, you'll receive coverage against theft, fire, and glass. Comprehensive coverage also covers your own damage.
Battery & accessories
Comprehensive coverage can the traction battery and diagnostics . Accessories and charging cables are often included in WA+/Comprehensive coverage.
No-claim protection
Possible with some insurers; protects your discount in the event of a single claim (conditions vary).
Fleet & usage
1–5 vehicles
Quickly arranged per vehicle. Same terms and conditions, clear premiums.
6+ vehicles
Collective policy with rate advantages and central processing.
Drivers
Fixed/variable directors. Adding or replacing employees is possible.
Delivery & city
For hospitality, retail, healthcare, and service industries. Focusing on theft prevention.
Additional coverage
Passenger Damage Insurance (SVI)
Compensates for injury and property damage to driver and passengers, even if the driver is at fault.
Legal assistance traffic
Legal assistance with disputes regarding damages, liability or recovery.
Roadside assistance
Roadside assistance, including vehicle and passenger transportation. Optional business coverage.
Accessories/windows
Coverage for glass breakage and business accessories (bags, brackets, holder).
Popular business models
Citroën Ami Business
Electric, maneuverable. Pay attention to battery coverage and theft prevention.
Birò Business
Microcar for city & last-mile use. Battery/diagnostics, accessories, theft prevention.
Aixam Pro
Business solutions for logistics & service.
Ligier Professional
JS series & Microcar for commercial use.
Frequently asked questions (business)
Is Allrisk business insurance possible?
Yes, often. Acceptance/premium depends on model, usage, value, and region.
Who is allowed to drive?
Fixed or variable drivers are possible; specify the desired use in the policy.
Theft prevention requirements?
A good lock or track & trace is often required at a minimum. Check the policy conditions.
Battery covered?
Under hull insurance usually yes, including diagnosis/examination in case of damage.
How do I keep the premium low?
Choose appropriate coverage, a customised deductible, good storage/security, and build up claim-free years.
Request your business quotation
We compare multiple insurers and help with acceptance, theft prevention and battery coverage.
