Insurance Coverage for 50cc Scooters: What You Need to Know

50cc scooters are on the rise in France. They are the ideal means of transport for young people, especially lovers of large motorcycles.

The criteria of ease of handling, aesthetics and durability are sought after by the users of these machines, the driving of which can sometimes be a source of embarrassment.

Undeniably, the use of any machine, exposes to several risks, including accidents on the road, with its lots of consequences.

This article invites you to discover the main elements offered for 50cc scooters by insurance companies for the coverage of disasters.

50cc scooters: definition and characteristics

In the opinion of observers, the scooter represents one of the best ways of getting around town. It designates a two-wheeler designed for mobility in the city, the driving of which requires obtaining a license in France. 50 scooters are generally of an engine capacity less than or equal to 50 cm³; very economical, they can cover up to 400 kilometers depending on the style of driving, with a maximum speed of 45 km/hour.

Get a quote for 50cm3 scooter insurance with protect-plus-assurances.fr has become over time an imperative for several reasons. In itself, it is a way to benefit with confidence from many advantages in terms of free parking, insurance costs, low maintenance costs and consumption charges.

Insurance for 50 cc scooters: civil liability

On closer examination, the principle of civil liability is to the benefit of the average citizen. It protects any user of the traffic, likely to be victim of any embarrassment related to the use of these two-wheeled machines. In the context, civil liability represents a mandatory guarantee for all 50cc scooter insurance contracts. It thus becomes an essential element of coverage to be checked with an insurance company, allowing compensation for damage caused in the use of the machine. In principle, civil liability covers both unauthorized and authorized drivers.

In this sense, the damage in question concerns both material damage and physical damage caused to users during an accident. Conversely, this principle excludes damage suffered by drivers and their vehicles, with prices also varying from one insurance company to another. However, since the insurance contracts cover everything, the protection of the drivers themselves, as well as the 50cc scooters, can be ensured through specific options.

Protection against injury

Protection against injuries is rather at the service of the driver. In practice, it is considered as an optional guarantee and concerns the compensation of drivers involved in a road accident.

In this option, depending on the insurance company, compensation in the event of temporary or permanent disability is given pride of place, as are partial or total work compensation. In the event of serious consequences leading to death, some insurance companies also provide compensation for the relatives of deceased drivers, not to mention the medical costs incurred following an accident. Be careful, however, to specify that this option of protection against injuries excludes certain situations developed below.

Guarantee of compensation for damage caused to the vehicle

Beyond taking care of the drivers themselves, some options also take into account the damage caused to the machines. The coverage of damage caused to 50cc scooters thus has a triple advantage. It allows, according to the companies, to cover the theft guarantee, the material damage guarantee and the fire guarantee.

For theft, this warranty applies to owners whose scooters have been stolen. For the material warranty, the companies compensate for any damage caused to the scooter in the event of a natural disaster, fall, accident or acts of vandalism. In the event of destruction of the scooters following a fire, the owners can also benefit from the fire guarantee. To trigger all these guarantees, the latter can also benefit from the expertise of legal institutions, also provided as an option in most companies.

Legal insurance

As the name suggests, thejuridic assistance in an insurance contract guarantees policyholders who are victims of scooter theft or involved in a road accident to benefit from personalized support. Legal and financial support, specifically in the event of a dispute.

Moreover, it may be a dispute between the insured and his insurer, his mechanic, his seller or even his buyer. In these expenses, the costs of the expertise of the legal firm, the fees of lawyers and to a certain extent the indemnifications granted to the opposing parties are included.

What about comprehensive insurance?

To find the best insurance contract, specialists systematically recommend the all-risk insurance option. For sure, the all-risk insurance contract dedicated to 50cc scooters is the most complete insurance formula offered by insurance companies. When it is complete, the all-risk insurance includes all the previous elements mentioned.

Therefore, civil liability, assistance 24 hours a day, 7 days a week and individual accident cover are systematically covered. In some cases, this all-risk insurance may also include other guarantees such as theft guarantee, material damage guarantee or even fire guarantee.

For sure, several elements are therefore taken into account by these insurance contracts and justify the importance that drivers of 50 cc scooters attach to them. Even if certain situations are excluded from it, being generally linked to the deviant behavior of drivers.

What situations are not covered by insurance contracts?

These situations are mostly related to driver behavior. For example, intentional accidents caused by the driver or occurring in the absence of possession of a driving license by the driver are systematically excluded from the elements covered by insurance companies.

On the other hand, accidents caused by driving while intoxicated or under the influence of narcotics are likely to generate legal proceedings not covered by the insurer, in the same way as repairs relating to the 50cc scooter which will not be no longer reimbursed.