Practice Insurance. Scooters, gyropods, hoverboards… Should they be insured?

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

The scooter and other monowheels are EDPM (motorized personal transport devices) defined as a vehicle without a seat equipped with an electric motor and whose speed, by design, is between 6 km/h and 25 km/h maximum.

Insurers, aware of the risks of this new mobility, remind each insured of the safety rules. MMA illustration

Mandatory insurance

Motorized personal transport vehicles (EDPM) are considered to be land motor vehicles and are therefore subject to the insurance obligation relating to automobile civil liability within the meaning of the provisions of Article L 211-1 of the Insurance Code. . The obligation relates to civil liability.

In the event of an accident, the driver’s liability may be engaged. If your EDPM is not insured, you will be required to pay the victim’s damages; the adverse insurance will turn against you and will oblige you to reimburse the compensation.

In practice, buyers of personal scooters often sign specific contracts

In practice, buyers of personal scooters often take out 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 recommended (vandalism, theft, accidental damage, etc.). Don’t forget the Personal Accident guarantee which covers your bodily injury. But, before embarking on the subscription of several guarantees, already study with a magnifying glass all your insurance contracts because they may already be included in your contract.

If you rent a machine, the guarantee must be subscribed by the owner of the EDPM, that is to say the renter. But check that the damage you could cause is covered by the rental company’s contract. Otherwise, contact your insurer.

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