Pratique Assurances. Vélo à assistance électrique, speedbike… devez-vous les assurer?

What’s quoi, a VAE?

It’s a classic bike equipped with a small motoer électrique with a maximum power of 250 W located, depending on the model, on the front wheel, rear wheel or pedal wheel. L’autonomie du moteur is ensured by a rechargeable battery.

Mais qu’on ne s’y trompe pas, l’assistance électrique nu dispense pas de pédaler. It is available up to 25 km/h; au-delà, elle se coupe automatically, tout comme elle s’arrête when you pedal us plus.

Le VAE is considered a vélo, you do not need a casque de vélo, even though wearing one is recommended.


To use a fast motorcycle, one must approach the registration and ride with a helmet for a cyclomoteur or a moto. It’s a specific insurance. Weelzl photo

VAE or vélo à assistance électrique rapide?

Two types of bikes coexist: les VAE, dont la puissance maxi is 250 W and assistance speed capped at 25 km/h, and les VAE plus rapide, or speedbikes.

Pour ces derniers, l’assistance est plus puissante (500 W) and the speed may achieve 45 km/h. In addition, le speedbike may se deplacer même and le cycliste cesse de produce un effort.

La puissance de l’engin, sa dangerosité le classent dans la catégorie des cyclomoteurs; et cela change tout, especially in termes d’immatriculation et d’assurance. Le port du casque becomes mandatory.


Pour s’assure, il faut choisir un antivol solide et agréé. Some companies offer multi-risk “bicycles” that guarantee against theft, degradation and corporeal risks. Photo abuse

Assurance non obligatoire pour le VAE

For a classic VAE, there is no legal obligation to insure. For these models, the rider is covered by the civil liability guarantee of the son de assurance habitation.

If you don’t have pas de Multirisque habitation (MRH), specific civil liability insurance will be needed. We attract your attention to the fact that at MRH you are guaranteed for several risks vis-à-vis des tiers mais pas sur vos dommages personnels. It is preferable to insure contre les accidents de la vie, pour les dommages corporels.

Finally, in raison du prix d’un VAE, it is preferable to insure against theft and damage.

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