Does WA+ insurance cover theft and fire?

Does WA+ insurance cover theft and fire?

Yes, WA+ insurance generally covers theft and fire. That is one of the main reasons many drivers choose it over standard WA insurance. WA is only meant to cover damage you cause to others, while WA+ adds protection for certain incidents involving your own car.

In practice, WA+ is often seen as the middle option between basic WA and full All Risk coverage. It usually includes risks such as theft, attempted theft, fire, explosion, storm damage, broken windows and damage caused by animals. Exact policy conditions can vary between insurers, so checking the details is always important.

What WA+ does not usually cover is damage to your own car after an accident that you caused yourself. That is the key difference between WA+ and All Risk. If you want cover for that situation as well, All Risk is generally the more complete option.

WA+ is often suitable for cars that still have a reasonable value but where full All Risk may no longer be necessary. It can offer a good balance between premium and protection. This is especially relevant if you want extra security against events such as theft or storm damage without paying for the highest level of cover.

For expats and international drivers, WA+ is also easier to understand once you compare it directly with the other options. Looking only at premium can be misleading if you do not know what is included.

Want to compare coverage levels? Visit our WA+ page or use the full insurance overview to compare WA, WA+ and All Risk.

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