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Video: The first pay-per-use insurance for electric scooters is already in Spain and marks the future of VMP
2024 Author: Nicholas Abramson | [email protected]. Last modified: 2024-02-10 16:34
Mobility in big cities is changing by leaps and bounds. We are no longer surprised that anyone goes to work or makes a trip through an electric bicycle, a scooter or a segway. However, as this type of vehicle You do not need a license or registration, it was not considered to provide insurance to cover them in the event of an accident … until now.
Aware that Personal Mobility Vehicles (VMP) have become the protagonists of large cities and are the new vulnerable road users by not having the obligation to wear a helmet, Línea Directa has wanted to respond by launching its first insurance for VMP users. Called Vivaz Safe & Go, it is the first 100% digital insurance aimed at this type of user.
A VMP insurance with different modalities
Currently the legislation does not contemplate the VMP as motor vehicles, therefore they are not required to have a corresponding insurance. This measure does not look like it will change in the new reform of the Traffic Law, a fact that leaves users of this type of vehicle highly exposed in the event of an accident.
In fact, as the use of this type of vehicle grows, accidents are becoming a serious problem for Public Administrations and for road safety. In the last three years for example, some 1,300 accidents with PMV were registered and at least 16 people died.
A problem that does not seem to be solved in the short term due to the increase in traffic, vulnerable nature of this type of medium of transport or itself, to the general inexperience of many users who circulate with them without having a driving license since they can be used from the age of 16.
Aware of this situation, Línea Directa Aseguradora has launched "Vivaz Safe & Go", the first 100% digital insurance of the brand aimed at VMP users. This new product is marketed through Vivaz, the group's health brand, revolutionizing the concept of insurance in Spain, since it covers the person and their mobility and can be contracted at the customer's request. This means that it is not necessary that you own a VMP to be insured, but even using the rental vehicles you will be covered.
This modality is known as "insurance on / off" or pay-per-use, a type of coverage that you can activate or deactivate by the second, by the minute, or for a whole year. To do this, the user has an application in which he pays only for the real time used by the VMP on each journey.
In addition, thanks to this application, you can also check your routes and make the arrangements for your policy digitally and without calls, 24 hours a day, including hiring, registering an accident report or consulting your payments, among other options.
This insurance includes coverage such as damages caused to third parties, physical damage suffered by the user himself and even the legal defense with its expenses derived from a litigation or claim. In addition, in the event of an accident, the insurance application allows the location of the incident to be geolocated for later registration.
As we mentioned before, this insurance offers two possibilities when it comes to hiring it. One is your pay as you go and the other is an annual payment. The payment per use has a flat rate of two cents per minute while in the annual there are three different packs according to the coverage of each modality, ranging from 16.35 euros for the simplest product to 33.2 euros for the most complete. All prices include taxes and surcharges from the Insurance Compensation Consortium (CCS).
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