Cars Rise in accidents involving e-scooters: What insurance do you need?
Covid sees car insurance prices plunge to seven-year low
With fewer vehicles to insure, there is more competition between rivals, bringing down prices, claims reportAccording to research conducted by Money Supermarket, the average cost of fully comprehensive insurance in the UK fell by £73.32 to £417.06 – a fall of 15 percent – in the first quarter of 2021, which represents the biggest quarter-on-quarter drop on record.
Insurers are warning e-scooter riders, pedestrians and drivers to be careful after seeing a rise in people reporting accidents involving the devices, new research has revealed.
Many continue to ride electric scooters illegally in public, with 52 accidents registered this year, according to data from Admiral.
This is four times' the amount compared reported to the insurance giant between January and June 2020.
It added the data shows there is a trend in the number of accidents involving drivers and e-scooter riders, believing the number of accidents will continue to rise.
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The incidents are those involving Admiral customers and e-scooter riders reported to the insurer as opposed to the number of claims as policyholders currently can't claim against the e-scooter rider.
However, they can claim on their own policy if they have comprehensive cover and there is damage to their car.
Are e-scooters illegal?
Currently, the rules state that anyone who owns a private e-scooter cannot ride on public roads, pavements or cycle lanes.
However, since July last year the Government has been running a trial on the use of rented e-scooters in 32 areas of England.
These legal trials allow rented electric scooters on public roads, cycle paths and lanes as part of its review of transport.
London launches e-scooter trial – but they are BARRED from Royal Parks
Transport for London has launched a year-long e-scooter trial, with a 15-minute journey set to cost £3.25From today, it is possible to rent an e-scooter in the capital. The scheme is organised by Transport for London, London Councils and a number of boroughs.
During the trial, which has been extended to more areas during the course of the trial year, e-scooters have been classified as motor vehicles and those using them require a driving licence and insurance to ride one.
E-scooters in trials need to be covered by a motor vehicle insurance policy but rental providers should give users cover.
But I've seen e-scooters in public...
However, there is still a large number of people riding e-scooters illegally in public.
Those who are caught doing so could be given an on-the-spot £300 fine, face penalty points on their drivers licence or have their scooter seized by the police.
Since e-scooters are a vehicle, any accidents would also have to be declared to the insurer, which could affect future premiums.
The consequences are even more severe for newly qualified drivers who are only allowed six points on their licence in the first two years of driving, so could end up losing it.
Londoners complain TfL hire bikes are 'clunky' and have GPS glitches
London's trial of e-scooters hit a bump in the road on its very first day as customers claimed there were teething problems with the GPS trackers, particularly around Canary Wharf. E-scooters were legally allowed on London's roads for the first time yesterday after the rental trial with Transport for London (TfL), London Councils, participating boroughs and e-scooter operators Dott, Lime and TIER, launched.The bikes are currently only available for use in Canary Wharf, Ealing, Hammersmith and Fulham, Kensington and Chelsea, and Richmond, with Tower Hamlets acting as a 'ride through' area.
To be allowed on the roads again, they must reapply for a provisional licence and re-take both the theory and practical parts of the driving test.
Adam Gavin, deputy head of claims at Admiral, said: 'With e-scooter trials now taking place in more than 30 locations across England, there's no doubt they're going to become even more popular on our roads as they offer a cheap, easy and environmentally friendly way for people to get around.
'However, with the rise in the number of people using e-scooters comes an increase in risk for all road users, including motorists who have an additional hazard to look out for.'
Do I need insurance for a privately owned e-scooter?
If someone owns an e-scooter and uses it on private land, the rider should think about whether to take out specialist e-scooter insurance to protect against things such as theft and accidental damage, as well as additional public liability protection.
As it is currently not permitted to drive privately owned e-scooters on public roads, pathways or cycle lanes, motor insurance cover is not provided for private users.
The Town Hall of Paris threatens not to renew the contract for scooter operators
© Daniel Fouray / West-France Since the summer of 2019, the city of Paris has limited the speed of electric scooters at 20 km / h. (Picture of illustration) The tone rises against self-service scooters after the death of a 32-year-old Italian, hit mid-June by one of these machines. The Paris town hall threatens not to renew the contract of the three private operators.
Rental electric scooters must have motor insurance but the rider doesn't need to arrange this as it will be provided by the e-scooter rental operator.
Why has there been a rise in accidents?
With more people taking to the roads with e-scooters - either illegally or rented - there has been more accidents taking place involving both motorists and pedestrians.
Insurers say they have noted the increase in cases and are advising customers to be careful.
Aviva said it has seen a number of motor insurance claims where the other vehicle involved was an e-scooter.
It is concerned about the potential for serious injury or worse for e-scooter riders, and is urging them to follow the rules of the road and use the vehicle as intended.
The insurer said one of the biggest risks to e-scooter riders is the quality of road surfaces as the small size of the e-scooter tyre means a small defect in a road surface is a much bigger risk than it is for other road users with the risk magnified at night when visibility is poor.
Gavin said: 'We think this could just be the tip of the iceberg as many cases go unreported and as more people use e-scooters and roads get busier we believe the number of accidents will increase.
'When lockdown restrictions ease across the UK and people start commuting once again, we want to remind all road users to be more alert to try and prevent serious accidents.
The Town Hall of Paris wants to control the use of scooters by bridging the speed in some areas
© Copyright 2021, the Obs The Town Hall of Paris has threatened Tuesday 29 June the three private operators of electric scooters in self-service In the capital not to renew their contract if they do not make progress on the limitation of the speed and the parking. How Paris became the world capital of the electric scooter ...
'Motorists need to be aware of the additional e-scooter traffic and be extra vigilant, while anyone looking to hire the devices need to keep themselves and others safe.'
Admiral is advising riders to wear a helmet, make sure they have a valid provisional driving licence and double check the rental e-scooter operator has the correct insurance so they know they're protected in case of an accident.
Ryan Fulthorpe of GoCompare Car Insurance added: 'It is good to see a largely successful trial roll out of e-scooters as they have become very popular, but we still don't have a clear path forward for their legal use on public roads.
'There is a danger that because people see them being used illegally, or see people using them as part of the approved trials, they assume it is fine to ride one themselves.
'Realistically, we are still some way off having a proper legal framework for their private use on UK roads, and in the meantime, we need to ensure people understand the risks.'
Images show first E-Scooters as Suffragettes ride them around London .
Electric scooters may seem like a new phenomenon in Britain, but these incredible black and white photographs from over a century ago reveal that they have actually been around before. Although the majority of these vehicles, known as Autopeds, were powered by petrol, electric versions were also made available to the Edwardian public. Part of the scooter's popularity during the First World War was due to its very low fuel consumption, providing transportation for many who couldn't afford a car or a motorcycle.