Choosing insurance for your scooter
In our previous article The road rules for EDPMs, we already talked to you about the obligation to insure your EDPM, and in particular your electric scooter. Here we will go into the subject in greater detail to help you choose the insurance for your scooter.
The type of insurance
Like scooters and electric bicycles, electric scooters are motorised land vehicles and must therefore be insured by their owners. The minimum insurance for your vehicle is third party liability insurance.
This insurance will cover physical and material damage caused to other road users.
However, this is only the bare minimum, and we recommend that you also take out additional cover provided by your insurer, to cover you in the event of fire, theft or damage to your scooter. You can also take out driver’s insurance to cover you in the event of an accident.
The price of insuranceThe price of electric scooter insurance varies according to many criteria, including
- Your insurer
- The purchase price of your machine
- Its model and brand
- Its technical characteristics (power, motorisation, etc.)
- Your profile
As explained above, the only compulsory cover is civil liability. However, it is strongly recommended that you take out theft cover, especially if you have a fairly expensive scooter.
Collision damage cover is also very useful, as it covers damage to your scooter (see your insurer for details).
Finally, personal accident cover will allow you to receive compensation in the event of an accident with a third party or an object in the street.
Take the time to compare the offers of the different insurers, in order to choose the one that best suits your needs, and don’t hesitate to ask for several quotes in order to compete and find the best value for money.