Insuring your electric scooter in France is a must for every user, given the increasing use of these scooters and the associated risks. Here are some tips to ensure you choose the right coverage for your electric scooter.
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Understanding the Legal Obligation
In France, since 2019, electric scooters have been subject to the same insurance requirements as motor vehicles. This means that every electric scooter owner must have third-party liability insurance. This insurance covers any damage you may cause to others while using your scooter.
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Assess Your Insurance Needs
In addition to liability insurance, it may be wise to consider additional coverage options:
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Bodily Injury : This insurance covers you in the event of injury in an accident, whether caused by you or a third party.
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Material Damage : This coverage protects you against damage to your scooter in the event of an accident, vandalism, or theft.
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Assistance : An option that can be useful if your scooter breaks down far from home.
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Compare Insurance Offers
It's essential to compare the different offers available on the market. Use online insurance comparison tools to get an overview of rates and coverage options. Some insurers may offer discounts if you combine several types of insurance or if you're already a customer with them.
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Read the Small Prints
Every insurance policy has exclusions and limitations. For example, some policies may not cover high-speed scooters or off-road use. It's crucial to read the terms and conditions carefully to understand exactly what is and isn't covered.
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Consider the Franchise
The deductible is the amount of money you must pay out of pocket before insurance begins to cover costs. There are many offers available on the market (+/- 10 euros / month).
A higher deductible may lower your monthly premiums, but it also means you'll have to pay more in the event of a claim. Choose a deductible based on your financial capacity to handle an accident or theft.
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Informing Your Insurer of Changes
If you make any modifications to your scooter, such as increasing its top speed or adding accessories, inform your insurer. Modifications may affect your insurance coverage and premium.
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Protect Your Scooter
To minimize the risk of theft, equip your scooter with security features such as sturdy locks and GPS trackers. Also, keep your scooter in a safe, well-lit area when not in use. Keep your scooter's serial number in a safe place; the police and insurer will ask for it in the event of theft.
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Adopt Careful Driving
The best way to lower your insurance premiums and stay safe is to drive safely. Obey traffic laws, wear a helmet and other protective gear, and avoid risky behaviors. Safe driving not only prevents accidents but can also earn you discounts on your insurance premium based on your driving history.
Conclusion
Insuring your electric scooter in France is an essential step for riding legally and safely. By understanding the legal requirements, assessing your needs, comparing offers, and adopting safety measures, you can find insurance that suits your needs and budget. Taking the time to choose your insurance carefully gives you peace of mind and protects you against the unexpected events of daily life on a scooter.
