All you need to know about compulsory electric scooter insurance for speeds under 25 km/h

Les scooters électriques de moins de 25 km/h ne sont pas tenus d’avoir une assurance obligatoire dans la plupart des États, mais il est tout de même recommandé d’avoir une assurance en cas d’accident. L’assurance responsabilité civile vous protégera si vous êtes reconnu responsable d’un accident et vous aidera à payer les dommages ou les blessures qui surviennent. Si vous n’avez pas d’assurance responsabilité civile, vous pouvez être tenu responsable de la totalité du coût de l’accident. L’assurance collision et l’assurance tous risques couvrent le coût des dommages causés à votre scooter s’il est impliqué dans un accident, quelle que soit la personne responsable. Ces types d’assurance ne sont pas obligatoires, mais ils peuvent vous aider à couvrir le coût des réparations ou du remplacement si votre scooter est endommagé.

Les scooters électriques peuvent être un excellent moyen de se déplacer, mais il est important de s’assurer que vous êtes correctement assuré avant de prendre la route. Dans la plupart des États, les scooters électriques de moins de 25 mph ne nécessitent pas d’assurance obligatoire, mais il est tout de même recommandé d’avoir une assurance en cas d’accident. L’assurance responsabilité civile vous protégera si vous êtes reconnu responsable d’un accident et vous aidera à payer les dommages ou les blessures qui surviennent. Si vous n’avez pas d’assurancesi vous n’êtes pas responsable de l’accident, vous pouvez être tenu responsable du coût total de l’accident. L’assurance collision et l’assurance tous risques couvrent le coût des dommages causés à votre scooter s’il est impliqué dans un accident, peu importe qui est responsable. Ces types d’assurance ne sont pas obligatoires, mais ils peuvent aider à couvrir le coût des réparations ou du remplacement si votre scooter est endommagé. Assurez-vous d’être correctement assuré avant de prendre la route avec votre scooter électrique.

The electric scooters are more and more used. Indeed, they are easy to take in hand and can fit everywhere thanks to their reduced size. They are also very practical as they allow you to quickly get from point A to point B without having to deal with heavy traffic or bad weather. However, it is necessary to be careful when driving this type of vehicle and to respect the traffic regulations. It is also necessary to subscribe to an adapted insurance to be reimbursed in case of accident. There are several insurers who can offer prices and contracts adapted to the needs of each person, such as Axa, Allianz, Generali, Luko, Gmf, Macif.

Is electric scooter insurance mandatory?

Is the electric scooter insurance mandatory?
Is the electric scooter insurance mandatory?

If the electric scooter is a very popular transportation solution for young people and people with reduced mobility, it is not mandatory. Indeed, the use of this means of transport does not require insurance. However, in case of an accident, the user can be covered by a civil liability insurance or by an individual accident insurance.

How to choose an electric scooter insurance ?

In order to benefit from optimal coverage, it is important to choose the right insurer. To do this, the scooter driver should choose an insurance company that offers offers coverage adapted to the user's needs. Indeed, some insurance companies only offer basic formulas and do not cover damage caused to others or medical expenses incurred in the event of an accident. It is therefore advisable to contact several insurance companies in order to identify the one that offers packages adapted to the needs of the driver and that is able to cover accidents.

How to find a cheap electric scooter insurance ?

There are several ways to find an insurer with interesting offers for electric scooter drivers. The simplest and most effective is undoubtedly the online comparators. These tools allow you to obtain free and personalized quotes in just a few seconds. All you have to do is fill in a form and the tool will determine the price of the scooter insurance.

There are several insurance companies that offer interesting deals for electric scooter drivers. Before choosing an insurance policy, it is important to make sure that it offers coverage in case of an accident and that it is adapted to the driving of the vehicle. It is also important to choose an insurance that offers an interesting compensation amount and adapted to the driving of the vehicle.

How to cancel your electric scooter insurance ?

The cancellation of the electric scooter insurance can be done at any time. However, it is advisable to cancel at least 2 months before the expiry date to avoid unpleasant surprises and penalties. The Hamon law also makes it easy to cancel your insurance by sending a cancellation letter by registered mail with acknowledgement of receipt to the insurance company. This must be done at the latest two months before the contract expiry date.
In case of cancellation because of a rate increase, it is possible to cancel the electric scooter insurance provided that it is done at least 2 months before the anniversary date of the contract and that the reason is admissible. In this case, it is imperative to inform the insurance company by registered letter with acknowledgement of receipt in order to avoid unpleasant surprises.

Where to put the scooter insurance sticker? 

The insurance sticker is a document that must be affixed to the electric scooter. It makes it possible to attest that the driving of the vehicle was insured and that there was no responsible disaster. The sticker is also a way for the police to identify the vehicle during a road check. It is therefore a proof to be provided in case of a road check.

How to insure an electric scooter?

Insurance companies offer two types of insurance for electric scooter users: specific insurance and traditional insurance. The formulas can also vary according to the needs and expectations of users. To subscribe to an electric scooter insurance, it is important to compare the offers before making a commitment. Indeed, certain insurance companies offer a reduction if you subscribe several insurances at the same time.
Electric scooter insurance plans offered by insurance companies
It is possible to subscribe to two types of insurance for an electric scooter: the third party insurance and the comprehensive insurance.
Third party insurance
Third party insurance covers the driver in case of an accident, whether it is caused by a third party (other user, pedestrian, other driver) or an accident caused voluntarily. Third party insurance covers the vehicle up to its value and its equipment.
All risk insurance
Comprehensive insurance provides complete coverage for the vehicle and its use. It covers all damages that can be caused to the vehicle during normal use. In the event of an accident or claim, comprehensive insurance also covers bodily injury to the insured person.
Electric scooter insurance coverage offered by insurance companies
Depending on the insurance formula chosen by the user of the electric scooter and the type of contract taken out with an insurance company, several guarantees may be offered. It is important to read the contracts carefully before subscribing to ensure that they cover the use of the vehicle.
Driver's bodily injury coverage
This guarantee allows the victim of a road accident for which he is not responsible to receive compensation. It also covers the medical expenses incurred by the driver to treat himself following an accident of the electric scooter, whether the accident is responsible or not. It is important to note that the driver's bodily injury coverage may be limited by the insurance's liability coverage.

Is it mandatory to wear a helmet when scooting? 

Is it mandatory to wear a helmet when scooting?  
Is it mandatory to wear a helmet when scooting?  

Wearing a helmet is mandatory on electric scooters, but also on other motorized vehicles such as a scooter. It is strongly recommended that electric scooter drivers wear one in order to limit the risk of injury when falling or colliding with a vehicle or person. Indeed, in case of impact with a pedestrian or another person on the road, the driver will be fully responsible and will have to compensate the victim. 

Combien coûte une assurance trottinette ?

Même si cela peut sembler surprenant, la trottinette fait désormais partie des engins que vous devez assurer. Comme avec une assurance voiture ou moto, l’assurance trottinette couvre les risques liés à l’utilisation de cet engin sur la route.

Vous vous demandez quelle compagnie choisir pour trouver une assurance trottinette efficace ? Alors faites un tour sur https://www.april-moto.com/assurance-trottinette/. Vous pourrez ainsi trouver les meilleures offres pour souscrire à un contrat d’assurance sur mesure.

Vous serez rassuré de constater que le tarif pour une telle assurance est très abordable, car vous aurez des offres à tout juste 5 euros par mois. Pour ce prix vous pourrez profiter de toutes les garanties obligatoires liées à ce type d’engin.

Vous aurez droit à plusieurs autres garanties essentielles, notamment la garantie juridique défense et la garantie spéciale mobilité. L’offre concerne toutes les trottinettes pouvant être mise en circulation, quel que soit le modèle.

Si vous voulez avoir d’autres garanties spécifiques, vous pourrez regarder les autres formules disponibles, mais le tarif reste quand même abordable. Il est vrai qu’en fonction des compagnies d’assurance, le montant peut varier. Toutefois, en règle générale, il ne faut que quelques euros par mois pour une assurance trottinette.

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