electric scooter insurance: All you need to know

The electric scooters They are here to stay, as demonstrated by the innumerable scooters that are seen every day in many large cities. Its success lies in the ease of driving and folding, making it the star product of personal mobility vehicles. 

In addition, this type of vehicle contributes to sustainable mobility, helping to reduce polluting emissions and energy consumption in means of transport.

Among the main companies that offer electric scooters Acciona, Eskay, Voi, Scoot, Koko and Lime, among others, are located in the main provincial capitals. People who use their scooters do so as efficient ecological alternatives to urban transport, managing to change the way of moving around cities.

Regulation of the use of electric scooters

The success of its use is largely due to the scarce regulation in its principles. Electric scooters became a Christmas gift for children and young people by not having rules of the road. Undoubtedly, it is a fundamental change to increase their interest and growth, since before they could only circulate through parks or squares.

Initially, when its circulation began, it generated risks by sharing urban space with pedestrians, drivers or cyclists. Therefore, new regulations of use arose. 

Finally, due to the multiple infractions of users with electric scooters in the last year, it has caused the General Directorate of Traffic to take measures, speaking for the first time about electric scooter insurance.

Mandatory electric scooter insurance

The autonomous communities agreed to the proposal to establish a electric scooter insurance, but some demanded even more, such as the Valencia City Council, which decided to require users to wear a helmet and identification cards. This requirement is due to the fact that most of the people who use this electric vehicle do so irresponsibly because they travel at high speeds in most cases and are unaware of traffic regulations since they are usually minors.

Since the beginning of last year, skates have caused 385 accidents and 18 deaths. Five suffered a fall, another five collided with vehicles and three were run over. Likewise, the three pedestrians killed in these crashes were all elderly, between 78 and 80 years old.

The insurance for electric scooters they will facilitate the process in the event of an accident, something we have seen a lot in recent months, as well as in the event of theft.

However, the measure is under study and will not be applied before 2024 due to its technical complexity.

In the short term, it does not seem that there will be an insurance of this type that covers damage to scooters by third parties. In addition, it is also necessary to create a legal framework at the national level to modify the many existing municipal regulations that govern electric scooters.

Compulsory liability insurance will eventually become such an emerging activity and its use in cities will increase. Unsurprisingly, it could be similar to what the car already demands.

It is necessary to see how this particular insurance is defined: "It is foreseeable that in the face of the abuse of this type of vehicle other measures will be established, such as the use of reflectors, license plate, helmets, circulation permits, more level restrictions." Although they are not motor vehicles, they are subject to the Traffic and Road Safety Law, which means that drivers must obey the traffic regulations.

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