In just a few years, electric scooters have completely invaded the urban landscape. Practical and eco-friendly, they have overshadowed most traditional modes of transport such as cars, trains, or classic bicycles. However, like any other vehicle, it is necessary to take measures to protect oneself and minimize risks. What insurance for electric scooters? What guarantees should be chosen for better protection? Follow our guide!
Is insurance for electric scooters mandatory?
Riding a motorized two-wheeler on public roads requires following certain rules even if it is an electric scooter 25km/h. And one of the most important concerns is certainly its insurance. Indeed, in light of the legal void and the numerous accidents, users have wondered whether it is necessary to insure their electric scooter. We provide the answer below.
The legal framework for electric scooters in France
According to decree no. 2019-1082 of October 23, 2019, an electric scooter must be subscribed to a liability insurance. This covers material or bodily damages that you may cause to others in case of incidents with your device. Please note that liability insurance is not necessarily included in the multi-risk insurance of your home. Be sure to check your contract before hitting the road.
The risks in case of lack of insurance
Riding on public roads on an electric scooter without insurance can lead to serious consequences for the user. Indeed, if you hit and injure a pedestrian, or damage a vehicle, and you are not insured, you must bear the compensation for the injured parties and the material damages incurred on your own. And that's not all! You also risk being fined and having to pay a penalty of up to €3,750.
The Fonds de Garantie des Assurances Obligatoires (FGAO) will be responsible for compensating the victim and will subsequently claim reimbursement of these amounts from you. Legal interest and recovery costs may then be added to these amounts, as well as a contribution to the FGAO, amounting to 10% of the compensation it is liable for.
What guarantees to choose for electric scooter insurance?
Like any vehicle, the electric scooter carries risks that should not be overlooked: accidents, injuries, theft, vandalism, etc. An electric scooter insurance allows you to protect your device, or rather your wallet. Here are the different coverages you can subscribe to.
Liability insurance: the minimum mandatory insurance
Liability insurance is the minimum mandatory coverage for an electric scooter. It covers three types of damages: bodily injury, property damage, and immaterial damage. Regardless of the damage incurred, the insurer will cover the necessary expenses. For example, if you damage a third party's car, the insurance will compensate for any repairs.
Additional guarantees for an electric scooter
The so-called "complementary" guarantees for electric scooter insurance offer broader protection for your vehicle. Among the most popular are:
|
Guarantee |
Description |
|
The breakage/material damage guarantee |
Compensation in case of damage following a responsible accident or without an identified third party. Coverage of repairs and, sometimes, protective equipment (helmet, gloves, elbow pads, knee pads). |
|
Theft guarantee |
Protection against theft, recommended for expensive scooters. Note: with most insurers, theft is only covered in the event of aggression. Be sure to check the terms of the contract. |
|
The oxidation warranty |
Covers damage related to contact with water. Possibility of coverage for repairs or replacement of damaged electronic components. |
What are the benefits of subscribing to these guarantees?
The subscription to additional guarantees is the assurance of your extra financial security in case of an incident. You will have the advantage of driving with more peace of mind, knowing that you are protected against various risks.
Beware of warranty exclusions: What you need to know!
When you subscribe to insurance for your electric scooter, it is essential to understand the exclusions of coverage. These small print lines can make all the difference in case of a mishap. In this section, Weebot explains the situations where your insurance might not cover you!
Driving under influence: A risk not to be overlooked
As with all vehicles, alcohol or drugs have no place behind the wheel... or rather, on the handlebars! Most insurance policies exclude coverage in the event of an accident if you are under the influence of alcoholic or narcotic substances. In addition to the risk of an accident, you expose yourself to a fine and legal proceedings. So, before getting on your scooter, think twice!
Reckless use: Your scooter is not a toy
Scooter insurance generally does not cover damages related to reckless driving or risky behaviors. Whether it's performing stunts in the street or speeding, if you cause an accident while using an electric scooter recklessly, your insurance may refuse to compensate you. Stay responsible and follow safety rules to ride peacefully!
Exclusions related to the modification of the device
If you have modified your electric scooter, whether by increasing its speed or changing certain components, you may also find yourself without coverage. Indeed, many insurance companies void the warranty if they detect an unauthorized modification of the device. Therefore, it is important to check if the modifications you make to your scooter comply with the terms of your contract.
Always check the terms of your contract!
Exclusions from coverage can vary from one insurance policy to another. That is why it is wiser to read the general terms of your contract carefully before signing anything. Make sure you fully understand what is covered, but also what is not, to avoid unpleasant surprises when you need it the most.
The insurance for Weeclub Premium electric scooter from Weebot
Are you the happy owner of an electric scooter? Or maybe you are considering buying one of these devices? In any case, you absolutely need to insure your device. At Weebot, we offer you insurance specifically designed for electric vehicles limited to 25 km/h. Here are the details!
What is Weeclub Premium insurance?
At Weebot, we offer you an affordable insurance solution for electric scooters! You can insure your device starting at €3.50 per month, and to do this, simply contact our partner at 06 12 39 41 79 or by email at: moovzen@boost-solutions.com.
With Weebot and Moov’Zen, you can securely insure your electric scooter and benefit from 30 days of free protection against accidental damage and theft. Coverage and the offer start immediately after subscribing with our partner. And that's not all! In case of breakdown, damage, theft, or even a simple flat tire, taxi and/or towing costs are fully reimbursed by Moov’Zen!
To allow you to ride peacefully on the road with your electric scooter, the WeeClub Premium insurance offers you several plans. It's up to you to choose the one that meets your needs!
How much does our insurance for electric scooters cost?
On the market, the rates for electric scooter insurance can vary greatly, each with their respective advantages. They mainly depend on what you want to cover, the number of vehicles involved, and the risks you want to protect against: theft, property damage, bodily injury, etc.
At our partner Moov’Zen, the insurance rate for electric scooters starts at €3.5 per month or €42 per year. A very reasonable rate, considering the many advantages offered by the company. As for bodily injuries caused to third parties or to the equipment while riding the electric scooter, it is Luko that takes care of compensating them.
FAQ
Can I insure my electric scooter as an individual or is it reserved for professionals?
Yes, any electric scooter owner can take out insurance, whether as an individual or for a professional fleet. Individual insurances mainly cover the risks related to your personal use, while professional insurances generally concern companies that manage scooters for hire or for their employees.
If I get injured while riding, does the insurance cover my medical expenses?
Liability insurance covers the damages you cause to others, but it generally does not cover your own medical expenses. For that, you need personal health insurance or specific accident coverage. Some insurances may offer additional options to cover bodily injuries, but this depends on your contract.
What to do if my scooter is stolen?
Coverage in case of theft varies according to the contracts. Some insurances only cover theft if you have been a victim of an assault or if specific security measures have been taken (such as the use of an approved lock). In other cases, theft outside your home may not be covered. Make sure you fully understand the conditions of this guarantee.
Can I insure a second-hand electric scooter?
Yes, you can insure a second-hand electric scooter, as long as it meets the current safety standards and the insurer agrees to add this type of vehicle to your contract. Make sure to clearly communicate its condition to your insurer to avoid any misunderstandings in case of a claim.
Conclusion
In summary, the fact of insuring your electric scooter is a personal choice of the user, even though civil liability is mandatory. Indeed, everything related to theft insurance, material or bodily damage... is entirely at your convenience. To make things easier for you, Weebot offers its special insurance for electric vehicles under 25 km/h: WeeClub Premium. So what are you waiting for to take advantage of it? Head directly to the Weebot store! Your electric scooter is waiting for you.