The scooter is THE means of transport for young people, mainly in urban areas. Like the car, it is subject to the obligation of third-party insurance, also called civil liability guarantee.
Depending on the type of vehicle, its cylinder capacity, its mode of operation, but also the needs of the driver and the optional guarantees taken out, a scooter requires specific cover.
Let’s take a closer look!
What are the different types of scooter?
To drive a 50cc scooter, you must be at least 14 years old and have an AM driver’s license, formerly known as BSR.
All motorized vehicles are covered by the insurance. The 50cc scooter is no exception to this rule.
The civil liability guarantee is the minimum cover to which it is necessary to subscribe. It covers bodily injury and material damage that the driver may cause to a third party.
If you want to benefit from more extensive coverage, you can take out all-risk motorcycle insurance. This is the widest coverage but also the most expensive. It includes guarantees against theft and covers damage to your scooter’s equipment.
125 cc scooters
To drive a 125 cc scooter, you must be 16 years old and have an A1 license, also called a 125 license.
If you are 18 or over, motorcycle licenses A and A2 will allow you to drive a 125cc scooter.
If you already have your car license (B license), you can drive a 125cc scooter. For this, you must have 2 years of experience on the road and complete a practical training of 7 hours.
To drive a 125 cm3 scooter, it is absolutely necessary to take out at least a civil liability motorcycle guarantee.
Stable and easy to drive, the three-wheeled scooter is a great success with city dwellers.
To drive a three-wheeled scooter, 50cm3 or 125cm3, you must have an A license or a car license (B license) and follow a 7-hour practical training course in an approved centre.
The three-wheeled scooter falls into the “motor tricycles” category. Like a two-wheeler, three-wheeled scooters must be insured.
You must take out at least a civil liability motorcycle guarantee.
Is it compulsory to insure your scooter?
All scooter drivers must be insured in terms of civil liability.
This guarantee covers the vehicle in circulation but also out of circulation for the damage that it could cause to a third party (including the transported passenger).
A scooter insurance contract can be limited to this basic guarantee or include other guarantees which cover, for example, damage caused to your scooter, whoever is responsible.
It all depends on the age, condition and value of the vehicle to be guaranteed.
The essential guarantees to have
It is essential to define your expectations before taking out scooter insurance. There are different warranties:
– Coverage in the event of a claim: material or bodily damage, fire, in the event of an accident or theft;
– Assistance in the event of a breakdown;
– Legal aid.
Since the protection against the risk is not the same, the price varies according to the guarantees chosen. In other words, the more extensive the coverage with a high level of guarantee, the higher the price.
Driving without scooter insurance: what are the risks?
If you do not have scooter insurance, you are liable to a fine of up to €3,750, to suspension or cancellation of your license with a ban on retaking it for 3 years.
And at HEYME, how is it going?
With HEYME, you can insure your scooter at a low price and travel with complete peace of mind.
HEYME offers tailor-made offers adapted to all engine sizes from 16 years old.
HEYME offers you the possibility of insuring your equipment, your helmet and your accessories with the possibility of extending the driver’s guarantee up to 200 K€ in the event of disability or death.
In addition, HEYME supports the points recovery course in inclusion!