Insurance Practice. Scooters, gyropods, hoverboards … Do we have to insure them?

A decree, issued on October 23, 2019, regulates the use of electric scooters and specifies their technical characteristics, the space in which they can travel and the minimum age of the driver. Their traffic is therefore subject to the Highway Code.

La trottinette and other single wheels are often EDPM (motorized personnel displacement engines) define as a seatless vehicle equipped with an electric motor and dont at speed, by construction, comprise between 6 km / h and 25 km / h maximum.

Insurers, aware of the risks of these new mobilities, remind each insured of the safety rules. MMA illustration

Mandatory insurance

Motor vehicles (EDPM) are considered to be motorized land vehicles and are therefore subject to the motor third party liability insurance within the meaning of Article L 211-1 of the Insurance Code. . The obligation bears civil liability.

In the event of an accident, the driver can be held liable. If your EDPM is uninsured, you will be required to pay the victim’s damages; the opposing insurance will turn against you and force you to reimburse the compensation.

Practically, personal scooter buyers sign specific “motorized EDP” contracts. Insurers then issue a certificate of insurance and a green sticker. Photo DR

Specific products have been created

Insuring yourself as a user is mandatory, and insuring the electric scooter itself is strongly advised (vandalism, theft, accidental damage …). Don’t forget the Individual Accident Warranty that allows you to open personal injury. Moreover, before you start subscribing to several guarantees, you have already studied all the insurance contracts, they can already be included in your contract.

If you rent a motor, the warranty must be taken out by the owner of the EDPM, ie the lessor. Also check the damages, which are covered by the contract du loueur. Otherwise, get closer to your insurer.

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