Electric scooter: compulsory equipment

You have just bought an all -terrain electric scooter or you plan to acquire one ? Know that the conduct of this motorized personal movement (EDPM) is subject to certain rules. Among the obligations provided for by law, the subscription of liability insurance covering the damage caused to third parties is essential. Find out in which cases it comes, and how to complete your guarantees to be well covered with your racing car.

How to ensure an all -terrain electric scooter ?

You have just bought an all -terrain electric scooter or you plan to acquire one ? Know that the conduct of this motorized personal movement (EDPM) is subject to certain rules. Among the obligations provided for by law, the subscription of liability insurance covering the damage caused to third parties is essential. Find out in which cases it comes, and how to complete your guarantees to be well covered with your racing car.

The specifics of an all -terrain scooter

Halfway between mountain biking and classic electric scooter, the all-terrain scooter is an ideal machine for circulating in town as in the middle of nature. Thanks to its flexible and robust structure, it offers an unequaled driving pleasure on the road as on the dirt roads with roughness (bumps, holes, gravel, sand, etc.)).

Thus it is distinguished from urban electric scooters by:

• its solid and resistant chassis (weight supported up to 150 kg against 100 kg for conventional scooters);
• its powerful engine (presence of a double engine on certain models);
• its large wheels (10 inches minimum);
• its anti-climbing tires, generally notched;
• its powerful braking system (presence of one or two brakes and a handle of the handlebars);
• its wider tray for better stability;
• its reinforced suspensions (shock absorbers at the front and rear);
• its important autonomy (more than 40 km).

Please note, like the other NVEIs (new individual electric vehicles), the all -terrain electric scooter is no exception and must be restrained at 25 km/hour, in accordance with the legislation in force.

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Why ensure your all -terrain scooter ?

Civil liability insurance: a guarantee imposed by law

To be able to circulate legally with a conventional electric scooter as a all terrain, it is compulsory to be covered at least in civil liability. Thus in the event of a responsible accident with a third party, she will compensate for you all the damage caused, whether material or bodily. Otherwise, you will have to personally assume these costs.

In addition, driving a motorized electric vehicle without insurance is sanctioned by law: € 3,750 fine in the event of non-compliance with this obligation.

Cover your scooter and protect yourself in the event of a collision or fall

It is recommended to take out additional guarantees to protect your machine in the event of theft or breakage, but also to be covered in the event of an accident in electric scooters.

Which contract to choose ?

Even if we do not advise you, you can just take out a civil liability guarantee (legal minimum), by opting for an insurance contract with electric scooter or basic nvei.

Note that by subscribing to a civil liability insurance electric scooter, you automatically benefit from the defense and appeal warranty in the event of a dispute with a third party following accident.

From € 3.56/ month, Luko electric scooter and NVEI insurance offers you compulsory civil liability to circulate.

However, two major reasons should push you to choose an extensive coverage:

1. The price of the machine: The purchase of an all -terrain electric scooter represents a more substantial investment than a conventional electric scooter (700 € minimum).
2. The increased risk of accidents : practice on damaged terrain promotes the risk of falls and therefore breakage and/or injuries.

What additional guarantees subscribe to an all -terrain scooter ?

To be well protected in town as in the countryside, these optional guarantees will allow you to benefit from compensation for the majority of uses:

• Individual accident warranty, to be compensated in the event of a fall or traffic accident;
• The collision damage guarantee, To cover the repairs of your electric scooter in the event of an accident or collision with an identified third party;
• The flight warranty with aggression, which allows the replacement of your electric scooter in the event of theft or degradation following an attempted flight;
• The natural disaster guarantee in the event of material damage caused by bad weather declared by the state.

The rules not to be forgotten

Let us already recall that it is prohibited to drive at more than 25 km/hour (excluding private land) in accordance with the regulations relating to motorized travel machines. If necessary, you must register your vehicle to drive beyond the authorized speed.

Note also that you are only allowed to circulate on the cycle paths and the roads limited to 50 km/hour. Traffic outside agglomeration is therefore prohibited with the exception of cycle and greenway bands.

Compulsory equipment in all -terrain electric scooters

As with conventional electric scooters, legislation requires being equipped with:

• front and rear position lights;
• a braking system (at least one brake);
• lateral and rear retroreflective devices (Catadiopters);
• a horn or sound warning;
• reflective clothing for night driving.

It is also recommended to wear a helmet and adapted protections (kneeles, elbows, etc.) when you travel in an electric scooter, especially for all -terrain use.

Sanctions in the event of non-compliance with NVEI legislation

Know that if you do not respect the rules imposed, you expose yourself to financial sanctions:

• a fine of € 35 in the event of non-compliance with traffic rules;
• a fine of € 135 in case of circulation on a sidewalk;
• a fine of € 1,500 in the event of a speed greater than 25 km/h.

frequently asked Questions

Is the electric scooter insurance compulsory ?

Liability insurance is compulsory for electric scooters. If you own an electric scooter, it is therefore necessary to contract dedicated civil liability insurance. This will protect you from costs associated with any damage you may cause to others by using it.

Will my home insurance cover my all-terrain electric scooter ?

Your home insurance can cover your electric scooter when stored inside your accommodation and is stolen during burglary, or damaged by fire or water damage, for example. On the other hand, it is not covered when stored in an addiction or when it is outside your accommodation.

What type of contract to subscribe ?

It all depends on your need and the value of your scooter. If its value is high, the ideal would be to take care that supports all damage whose flight. On the other hand, you can be satisfied with a scooter insurance which only includes civil liability if its value is low.

How can I take out insurance for my all-terrain electric scooter ?

To ensure your all-terrain electric scooter, start by searching for the different insurance options available. Many insurance companies offer specific policies for electric scooters. You can usually get an online quote by providing details on your scooter, such as its brand, model and value.

This article was made with great care and attention by our experts in order to offer you lighting on the world of insurance. Nevertheless, he is not intended to escape the advice of legal and real estate professionals.

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Electric scooter: compulsory equipment

With nearly 2.5 million users in France, electric scooters have become a popular means of travel. Faced with this development, specific regulations have been implemented to supervise their use. But what exactly are the compulsory and recommended equipment to adopt for a secure practice ?

In short

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The 4 compulsory equipment

Since July 8, 2020, the Highway Code has established more rigorous rules to supervise the use of electric scooters including the need to integrate several essential equipment:

• Wearing a protection helmet outside of urban areas;
• the implementation of a retro-reflective device;
• installation of position lights at the front and back of the machine;
• the inclusion of a functional braking system and a horn.

Optional but recommended equipment

With the boom in the use of scooters in recent years, accidents have increased considerably. According to a recent APHP study, injuries suffered by scooters of scooters can be more serious than that of cyclists or motorcyclists. Admissions to the hospital following scooter accidents have tripled in four years, with many patients requiring prolonged hospitalization in resuscitation.

Unlike cyclists hit laterally by other vehicles, most scooter accidents only concern the driver. These accidents often project drivers forward, increasing the risk of head and face injury, including jaw and nose fractures. Upper limbs are also often affected, causing fractures on the wrist or arm.

In this context, it appears imperative to prevent the risks of accidents and collisions by carrying A agglomeration helmet and by considering other types of protection such as:

• an adequate outfit to circulate in scooters;
• gloves and protective protectors;
• Genouillers and elbows;
• a protective plastron or a backpack with integrated back protection;
• An additional light device to attach to your back, arms or torso;
• A high visibility vest with reflective bands in the event of night use.

Sanctions in the event of non-compliance with the law

In order to contain the worrying increase in accidents related to motorized personal travel devices (EDPM), rigorous sanctions have been planned since July 2020 in the event of non-compliance with the rules:

absence of “effective braking”

Insurance comparison for electric scooters

What is the best value for money insurance for electric scooters ?

Updated on 11/23/2022

• What insurance offers have we compared ?
• Comparison and price of civil liability insurance
• Insurance comparison with flight, breakage and accident for electric scooter
• Conclusion: What is the best value for money – Price ?

Insurance electric scooter and nvei 100% online in 2 min

You know, it is mandatory to be insured aboard your 2 -wheeled racing car.

But it is not always easy to navigate in insurance offers ! What guarantees are compulsory ? What is the average price ? What details should be taken care ?

We therefore reviewed all the insurance scooter insurance on the market to draw up a comparison as complete as possible, summarized in two tables. Up to you !

What insurance offers have we compared ?

Offers available for all

We have chosen to compare insurance from which The conditions are clear and accessible online. We will therefore look at the insurance proposed by:

• Allianz;
• Aviva;
• Mutual credit ;
• ECENCIAL;
• Luko;
• Motorcycle insurance;
• Wizzas;

Some companies offer insurance only for their insured (via extensions of their existing contracts). This is particularly the case with the MAAF or the Matmut. We could not integrate them into our comparison because their offers and conditions are not accessible / public (if you have them and want us to integrate them, please send them to [email protected]).

Offers adapted to your cars

We have only integrated into this table that the insurances which directly mention protect the “electric scooters” or the “nvei”.

Some insurance companies, such as the Macif, offer an offer Private civil liability or a Accident guarantee more general, but do not mention especially in their conditions that the Nvei are covered. So we preferred, for the moment, not to integrate them into the comparison.

If however you have additional information and want us to integrate it, please contact us at [email protected].

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Comparison and price of civil liability insurance

Obligation to ensure its civil liability in electric scooters

Indeed, your classic civil liability, included in your home insurance, does not cover you with an electric scooter, this is a case of exclusion of warranty.

It is therefore necessary to subscribe to specific civil liability insurance. This covers all the damage you may cause at third parties during your electric scooter trips.

Civil liability comparison table

Luko, Allianz, Wizzas, Crédit Mutuel and Moto Insurance are the only insurance to offer a basic offer covering only civil liability. ECENCIAL and Aviva also cover it but in the context of a more complete offer, including more guarantees (and therefore more expensive).

What explains these differences in the price, from simple to triple ?

This is in particular the amount of the various ceilings which will justify the price differences between the insurance. The higher the ceilings, the more expensive the insurance.

As a reminder, the ceiling corresponds to the maximum amount that your insurance reimburses you in the event of a claim. Consult our 4 tips for running safe in electric scooter !

Material damage ceilings

= maximum amount reimbursed if you damage equipment

On board your little racing car, it is unlikely that you are causing great material damage such as breaking an entire building or a house that would then be tens of millions of euros. Often ceilings at € 100,000,000 are made to reassure you, they do not have great relevance for NVEIs.

This is why at Luko, we have chosen to offer a wiser ceiling at € 1,220,000 which allows us to offer you the best value for money on.

Corporal damage ceilings

= maximum amount reimbursed if you injure a third party

It is quite usual that there is no ceiling for this type of damage. Hospital or compensation fees may reach exorbitant sums.

Defense and appeal warranty

= you cover in the event of a dispute with a third party

The costs of appeal and defense (lawyer for example) can quickly increase if you are pursued in the context of using your machine. It is therefore important to have an appropriate ceiling. It is Luko who offers the most interesting ceiling.

Insurance comparison with flight, breakage and accident for electric scooter

Guarantees that cover you much more

The following guarantees are optional. They are not compulsory, only civil liability insurance is.

However in the event of an accident in electric scooters, your care or repair costs can quickly increase. It is therefore preferable to choose insurance that covers you and your racing car.

Driver warranty

It covers your hospital or care costs if you are injured in an accident aboard your electric scooter. This comes in addition to social security.

Luko, Allianz and Wizzza insurance will be the ones that cover you most in the event of an injury, with a reimbursement ceiling between 200,000 and 250,000 €.

Collision damage

It covers repairs to your electric scooter in the event of an accident or collision.

Knowing that an electric scooter rarely is worth more than € 8,000, Luko, Ecencial and Wizzas insurances are equal to this warranty.

Theft and vandalism

It covers the replacement costs if your electric scooter is stolen.

Same note, as your racing car rarely is more than € 8,000, Luko, Ecencial and Wizzas insurances are equal to this guarantee.

Comparative insurance table with flight, breakage and loss for electric scooters

Conclusion: What is the best value for money – Price ?

If you just want to ensure your civil liability

Luko (€ 40 / year) and Allianz (€ 55 / year) offer the best value for money on.

Note that you can subscribe to Luko’s NVEI insurance online, however, you will need to contact an agency to take care of you at Allianz.

If you want to cover your scooter against all risks

If you want to ensure a Xiaomi type scooter at less than € 500 against all risks, Luko has the best value for money.

• Allianz and Aviva, certainly cheaper, do not cover the Collision damage and the Flight.
• ECENCIAL (€ 34 less per year) limited its reimbursement ceiling for the driver’s warranty at € 400. You will therefore be less protected if you hurt yourself. It is therefore up to you to see if this guarantee is important for you or not.

See as well :

frequently asked Questions

Is it mandatory to have insurance for an electric scooter ?

Yes you must at least take out civil liability insurance for your electric scooter. Even if you already have one for your home insurance.

What insurance to take for an electric scooter ?

You must at least take insurance that includes civil liability. It is also advisable to choose damage and theft guarantees to cover your machine as well as in the event of a bodily accident if you injure yourself.

What price to ensure an electric scooter ?

The first price to ensure an electric scooter starts at less than 10 euros per month. At this rate you will often only have civil liability: count rather 10 to 15 euros per month for more complete insurance.

How to terminate a scooter insurance ?

You must do so after your contract respecting a two -month notice. During the year it is possible in some cases: change of regime or matrimonial situation, employment or retirement.

This article was made with great care and attention by our experts in order to offer you lighting on the world of insurance. Nevertheless, he is not intended to escape the advice of legal and real estate professionals.

What maximum speed in electric scooter ?

Electric scooter: what is the maximum speed authorized in agglomeration ?

The regulations electric scooter in 2023

Update on the legislation in force in 2023

5 tips to protect your electric flight scooter

5 tips to protect your electric scooter from the flight and roll the lighter mind

How to ensure an all -terrain electric scooter ?

Mandatory and advised guarantees to circulate in all -terrain scooters

What you need to know when you drive in an electric scooter

All the answers to know when you drive in an electric scooter !

The scooters of all records: speed, weight, autonomy

Panorama of speed performance and records, autonomy and weight of electric scooters