Scooters have always enjoyed huge popularity in European countries, but they have recently enjoyed a huge surge in popularity in the US. Because of the increase in scooters on the road, more accidents will occur, so scooter insurance has become more important as well. If you are a scooter rider, you need to protect yourself financially in the event you are in an accident, just like a car.
There are so many different types of scooters on the road today, so proper insurance has to be almost tailor-made to your circumstances. Riders have chosen something like simple mopeds, while others chose more powerful gas or electric motorised scooters. The kind of scooter a rider chooses usually depends on the rider’s riding style, experience and the terrain on which he or she will ride.
Similar to other types of insurance, this type of insurance gives financial protection to a rider if he/she is involved in an accident. Scooters are very inexpensive compared to other road vehicles, and so people are led to believe they don’t need insurance. However, riders need to realise that scooters are small and open, and so, greater injuries and damage if an accident occurs may be the result. Having scooter insurance would be essential, as it will not replace the scooter if heavily damaged, but it will also pay for medical costs if required.
The individualized nature of scooters and the different laws and regulations surrounding them makes the task of sifting through the right fit of insurance coverage time consuming and rather confusing. You need to make sure the type of scooter you are riding is able to be covered, as some insurance companies will not cover scooters imported from overseas countries like Japan. Riders need to ensure that they are in compliance with country and local scooter laws and regulations. If you get scooter insurance, it is a good idea to make sure that it covers scooter accessories as well. Finally, the rider may want to ensure that he or she receives coverage at a reasonable and affordable price.
Locating the right kind of insurance may be as simple as looking at your current premium. The current insurer may choose to place a ‘rider’ on the rider’s current car policy or the scooter insurance provider may choose to underwrite a policy for the scooter. If you go with your current provider, you should expect to get some sort of discount for your scooter policy.
If the provider of your current insurance premiums cannot offer you insurance on your scooter for a good enough price, looking for companies that specialise in scooter insurance is the next step for the rider. Many of these companies can be found on the online and many offer online quotes.
Providers of scooter insurance generally offer the same type of insurance as car insurers do, such as collision, liability, theft and medical. The rider should pay special attention to liability coverage as some insurers will offer no benefits if the rider is at fault in the accident. It is also extremely important that the rider ensures that the replacement portion of his or her policy covers theft as theft is the number one cause of loss for scooter riders.