Now that electric scooters have become a common tool for getting around cities, is it mandatory to have a
electric scooter insurance? This question is becoming more and more common among the owners of these tools. While expert opinion is recommended in making a decision, some initial research and some personal reflection can help you form an opinion and decide whether to take out insurance for your electric scooter.
Is it mandatory to pay insurance for electric scooters?
The first thing you should check is whether the law that governs your locality, autonomous community or country requires that users of electric scooters take out insurance. At the moment, in Spain there are no laws that require this contracting.
Advantages of having electric scooter insurance
Although it is not mandatory, taking out insurance for the electric scooter is highly recommended due to the advantages it offers. First of all, this insurance will protect the user against possible accidents or damage to their electric scooter. This will save money if damage occurs that requires repairs or parts changes. In addition, electric scooter insurance policies also usually cover possible personal injuries that a user may suffer while using their electric scooter. This is another advantage that the owner should take into account when considering the advisability of taking out insurance.
What types of insurance are there for electric scooters?
Depending on the
Insurance Brokerage or company in which you decide to put your insurance, the policy may offer different packages. You must be attentive to the existing differences to find the best one for your electric scooter.
How to take out electric scooter insurance?
To take out insurance for your electric scooter, you first need to make a comparison between the different offers that exist to determine which one best suits your needs. Once decided, a declaration must be submitted with a detailed description of the electric scooter, such as model, year of manufacture, the location of the owner, etc. This information allows the company to assess insurance costs. Once the application is submitted, the purchased insurance will be effective immediately. Electric scooter owners should be aware of the importance and advantages of having good insurance for their transportation tool.
When should you renew the insurance?
Regarding the validity period of electric scooter insurance, most insurances usually have an annual validity, although there are also insurance packages with an annual duration. In any case, owners of electric scooters must be careful not to expire the period of validity of their policies. It is also recommended to carry out a periodic audit of the insurance so that they are kept adequately updated.
Is it advisable to take out electric scooter insurance?
Finally we will say yes, it is advisable to take out insurance for your electric scooter. This goes beyond legality or obligation, since the benefits offered to the owner are out of the question. Electric scooter locks come in a variety of packages, and sometimes even include emergency assistance. If you compare well between the different packages, you can find the option that best suits your budget and your security needs. Some advantages of electric scooter insurance are:
- Coverage for expenses related to the repair of damages and malfunctions of the electric scooter.
- Coverage for expenses related to medical care in the event of an accident.
- Assistance in case of theft, loss or fire.
In short, if you want to be sure of having both the safety of your electric scooter and your own, it is best to take out electric scooter insurance. This will not only give you an extra degree of security when using your electric scooter, but it will also benefit you with a better division of the budget for the maintenance and repair costs of your scooter.