Insurance companies are wary of insurance defaults

To ride an electric scooter, you need to have insurance for cars, scooters, motorcycles, etc. Guarantee funds and insurance companies warn about the risks in the event of an accident.

No one is supposed to ignore the law. If everyone knows that helmets are not required for electric scooters, on the other hand, how many know that these machines must be insured to circulate on public roads? Apparently, few people at Les Echos have warned insurance companies about this information. These experts are paying attention to the insurance default range with increasing use of these.

In fact, if home insurance is targeted at cyclists (it is advisable to check it), electric scooters, hoverboards, Segways, electric monowheels, which fall into the NVEI (new electric vehicle individual) category. Or the balance bike is not protected. These machines can legally reach 25 km / h. At this speed, the damage can be severe.

In the latest report, road safety recorded 22 deaths in 2021, but the number of injuries remains unknown.According to the estimate of JDD When obtained from paramedics, 6,000 victims of scooter fractures in Paris, Lyon and Marseille.

In the unlikely event of an accident, damage to a third party and property damage to other vehicles and public equipment will be compensated. Otherwise, the person responsible for the accident will find himself in more than a delicate criminal and financial situation.

First, the lack of insurance will be punished with a fine of € 3750, but in the event of an accident the responsible person will have to pay at his own expense. The guarantee fund that accompanies the victim will charge the amount paid to the person who caused the accident. Depending on the severity of the injury, it will take years or even a lifetime to reimburse the amount that could reach millions of euros depending on the severity of the injury and the incompetence caused by the injured.

2 million scooters in circulation

In fact, for uninsured users, the demands from the guarantee fund will explode. According to Les Echos, there were nearly 400 NVEI accident requests in 2021, an increase of 34% compared to 2020. Half of these requests are related to physical damage.

The insurance company tries to notify the user, but the sales person cannot give the customer this important detail. Insurers tell Les Echos that only 30% know that about 2 million scooters in circulation are required to be insured. Also, unlike cars, scooters, and motorcycles, sellers do not require a certificate before leaving the customer.

On online sales sites, you can find machines that can exceed the permitted maximum speed of 25 km / h without mentioning your legal obligations. We consulted 12 online stores without finding a slight mention of this obligation. To make matters worse, on one of them, a machine that reaches 65 km / h (listed as “private road only”) indicates that the required age is 8 years.

But the law is clear. Public service sites state that the statutory age of electric scooters is at least 12 years old, transporting multiple people is prohibited, and liability insurance is required to use electric scooters. For self-service, it is advisable to check the insurance terms set forth in the rental agreement.

Pascal Samama