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The Question of the Week
Electric scooter: is it mandatory to insure?
Publié le null - Directorate for Legal and Administrative Information (Prime Minister)
The question: I'm thinking about buying an electric scooter to go to work. Will I have to take out a particular insurance, even if I already have a multi-risk housing contract?
Service-public's response: Since scooters are considered by the Insurance Code to be a land motor vehicle (VTM), like cars or motorcycles, you must be insured at least in civil liability.
The regulations provide for a liability insurance obligation to guarantee the damage that you may cause to third parties when using your scooter.
In addition to civil liability, the personal guarantee of the driver (or individual accident) is strongly recommended. It helps cover personal injury that you may suffer (fall or traffic accident). Depending on the contract, it may be included with civil liability or taken out as an option.
You can also extend your coverage for accidental damage to the vehicle, after calculating the value of the scooter and the amount of reimbursement offered, taking into account the deductibles, the age and the price of the option.
Your home insurance can cover the theft of the scooter (often in your home, but sometimes also outside).
Please note
Remember to take inventory of all your insurance contracts before subscribing to an option that could duplicate. For example, a contract guaranteeing life accidents (covering medical expenses not reimbursed by the sickness insurance scheme, loss of wages in case of physical incapacity, home development expenses...) may contain a personal guarantee from the driver.
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Service-Public.fr
National Institute of Consumer Affairs (INC)
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