Is it mandatory to have insurance for an electric scooter?
Electric scooters have gained popularity in recent years, transforming the way we move around the city. Lightweight, practical and environmentally friendly, they appeal to a wide audience.
However, the issue of insurance for these machines is often overlooked or misunderstood. Is it mandatory to insure an electric scooter?
Here's an overview of the insurance requirements and recommendations for these vehicles.
Current regulations
In France, electric scooters are classified as category L vehicles. According to the Highway Code, any motorized vehicle traveling on public roads must be insured, including electric scooters.
This insurance must, at a minimum, cover civil liability, which covers damage caused to others in the event of an accident. In the absence of this insurance, the driver risks a fine of up to 3,750 euros, as well as other sanctions such as suspension of the driving license or confiscation of the vehicle.
Why is insurance important?
Liability insurance is essential because it protects the driver in case of damage caused to third parties. Imagine knocking over a pedestrian or damaging a parked vehicle. Without insurance, you would be required to cover the cost of repairs or compensation out of your own pocket, which can be considerable.
In addition to civil liability, some insurance policies offer additional guarantees such as coverage for bodily injury suffered by the driver, theft, fire, or vandalism. These options can be very useful and offer additional peace of mind.
How to choose your electric scooter insurance?
The choice of insurance mainly depends on your usage and needs. If you only use your electric scooter for short occasional trips, a simple liability insurance could be enough. On the other hand, if you use your scooter daily for your professional or personal travel, it could be wise to opt for more comprehensive coverage.
Insurance companies are increasingly offering specific formulas for electric scooters. It is recommended to compare offers and read the general conditions of the contracts carefully to check the exclusions and limitations of guarantees. Do not hesitate to seek the advice of professionals or use online comparators to find the offer best suited to your situation.
The particularities of certain cities
It is also important to note that some cities may have specific regulations regarding the use of electric scooters. For example, some municipalities impose strict traffic and parking rules for these machines.
It is therefore essential to find out about local regulations in order to avoid fines and to ensure that your insurance covers all the necessary aspects.
Conclusion
In conclusion, insurance for an electric scooter is not only a legal obligation but also an essential precaution for riding with complete peace of mind.
Civil liability is the minimum required, but additional guarantees can offer more extensive protection. Before you hit the roads with your scooter, make sure you are well informed and properly insured.
This will save you a lot of trouble and allow you to fully enjoy your favorite mode of transport in complete safety.
