If you become the owner of a car or moped, you will not have any insurance issues. Insurance is mandatory and must cover the driver. However, when it comes to electric scooters, you may legally wonder if you should insure. Until September 2020, there was no law governing the use of these new vehicles. However, due to the surge in sales of scooters, it was almost urgently needed to enact legislation. The decree published in the official journal on January 15, 2022 stipulates the technical characteristics and traffic conditions of “light mopeds”. Therefore, electric scooters are now a subcategory of mopeds and are subject to homologation. What are the resulting obligations? We will explain everything to you!
What are the general usage rules?
Light moped users, like all other drivers, need to behave with caution on the road. Electric scooters cannot be used by people under the age of 12. It is forbidden to carry passengers on scooters, It is a private car. Finally, wearing headphones while driving is prohibited.
Where can the scooter ride?
Contrary to what you can see in most cities in France, scooters Driving on the sidewalk is prohibited. Unless local ordinance permits. Like bicycles, on sidewalks and pedestrian areas, drivers have to get off and push the machine by hand. In town, scooters must inevitably circulate on the bike path.Otherwise they can circulate Roads with a maximum permit speed of 50 km / h or less.. Circulation of electric scooters on the road is strictly prohibited outside the city and above. Only greenways and bike paths are allowed. Finally, parking on the sidewalk is permissible as long as it does not block pedestrian traffic. This is not the case in Paris and elsewhere.
What are the required equipment?
Helmets are not mandatory in town, but are highly recommended. on the other hand,Required when driving outside the city. Again, this doesn’t seem to be completely in the convention! Insufficient visibility (night or day) requires the driver to wear a reflective vest or armband. Finally, scooters are not expected to exceed 25 km / h and must be placed back and forth. Reflectors, brakes, horns.
Do you need to insure your electric scooter?
Over the past few months, the Compulsory Non-life Insurance Guarantee Fund (FGAO) has been concerned about the high demand for compensation related to accidents related to electric scooters. Victims of accidents caused by these machines rely on FGAO because the driver did not have insurance. Traditional insurance policies are not yet mandatory for cars, motorcycles and scooters. In contrast, Liability insurance is mandatory. Although it is possible to indemnify the victim in the event of an accident, it does not protect the driver and the driver must subscribe to the driver’s warranty. If you have a multi-risk housing contract, the civil liability contained in this contract will cover the victim in the event of an accident on your scooter. If you do not have any other insurance policy, the cost of civil liability with the insurance company is 3-5 euros per month. Therefore, it is mandatory and we remind you, and can be very expensive if you have to repay the victim of the accident. With the scooter boom, it’s also a good idea to take out insurance against theft. This is a small investment and can save you a lot of hassle.