Scooter insurance is more than just a formality, it is a legal obligation. It plays a crucial role in providing financial protection in the event of an accident and ensures your civil liability towards other road users. Whether you own a classic or electric scooter, insurance is essential. Are you looking to better understand how scooter insurance works? We are talking about it.
Why is insuring your scooter important?
In addition to covering your civil liability, scooter insurance offers financial protection in the event of theft, property damage or bodily injury. It is essential to understand that insurance is not limited to simple compensation. It represents a guarantee of safety for the driver and third parties involved. Scooter insurance can also offer additional guarantees depending on the formula chosen. For example, it can cover the costs of breakdown assistance, towing and repairs. Finally, remember that not having scooter insurance can result in significant legal and financial penalties. Scooter insurance is therefore much more than just a cost: it is an assurance of peace of mind when traveling on two wheels. To know more, meet here.
The legal obligation to insure your scooter
Is it compulsory to insure your scooter?
The obligation to insure your scooter arises from article L211-1 of the Insurance Code. This text stipulates that any motorized land vehicle must be insured, even if it is not used or if it is broken down. This obligation is mainly intended to cover damage that you could cause to others when using your scooter. Some information to keep in mind:
- The legal obligation concerns all types of scooters, including those over 50cm3.
- The mandatory minimum guarantee is civil liability.
- Even if your scooter is immobilized, you must maintain insurance, under penalty of penalties.
What are the consequences of not having insurance?
The absence of scooter insurance can lead to serious consequences. Indeed, driving without insurance is considered an offense under the Highway Code. This can result in penalties ranging from heavy fines to prison sentences in the event of a serious accident. In the event of an at-fault accident, the uninsured driver must reimburse the material damage and bodily injury caused to third parties himself.
If the scooter is stolen or vandalized, the owner will also have to bear the full cost of repair or replacement. Furthermore, the absence of insurance also has consequences on the driver’s future. The latter could be refused future insurance or see their premium increase due to their history of uninsured driving. It is therefore essential to take out insurance for your scooter, not only to comply with the law, but also to protect yourself and other road users.
The different scooter insurance formulas
Third party insurance or all risks?
When subscribing to scooter insurance, two main options are available to you: third-party insurance and comprehensive insurance.
Third-party insurance represents the minimum legal coverage. It covers damage that you could cause to others, but does not cover damage to your scooter. This is the cheapest option, but also the least covering. Comprehensive insurance, on the other hand, offers more comprehensive protection. In addition to civil liability, it includes guarantees against theft, fire, and material damage, whether you are responsible for the accident or not. It is the most protective formula, but also the most expensive. The choice between third-party insurance and comprehensive insurance depends on several factors, such as:
- The value of your scooter: The more recent and valuable your scooter is, the more it is recommended to opt for comprehensive insurance.
- Your budget : If you are on a tight budget, third-party insurance may be sufficient.
- Your need for tranquility: If you want to be covered against the majority of risks, comprehensive insurance will be more suitable.
Additional guarantees available
Beyond third-party and all-risk insurance, several additional guarantees can be added to your scooter insurance contract for optimal protection. These guarantees are optional and involve an additional cost.
- Theft guarantee: It compensates in the event of theft of your scooter.
- The fire guarantee: It offers compensation if your scooter is damaged by fire.
- The glass breakage guarantee: It covers damage caused to the glass parts of your scooter.
- The equipment and accessories guarantee: It covers loss or damage to equipment on your scooter, such as the helmet or riding clothing.
- The assistance guarantee: It offers support in the event of a breakdown or accident, including troubleshooting and towing the vehicle. Keep in mind that the choice of these guarantees must be adapted to your needs and the use you make of your scooter. For example, if you use your scooter daily and in urban areas, the theft guarantee may be relevant.
Online scooter insurance has grown in popularity in recent years. It offers a practical alternative to traditional agency insurance. Flexibility, speed and accessibility are the key words of this type of insurance. You can subscribe to and manage your contract 24/7, without having to travel or make an appointment. Think about it!
