May 2, 2024
Scooters offer the freedom to go wherever you please with complete independence, at last! Whether you are an enthusiastic teenager about to ride your machine for the first time or a parent concerned about your child’s safety, it is essential to understand the legal requirements and the various scooter or motorcycle insurance options.
Legal Requirements
Scooters in the Eyes of the Law
According to Quebec law and the standards of the Société de l’assurance automobile du Québec (SAAQ), a scooter (or moped) is defined as “a two- or three-wheeled recreational vehicle, with a maximum speed of 70 km/h, equipped with an electric motor or an engine with a displacement of no more than 50 cm3, and an automatic transmission.” Make sure to purchase motorcycle insurance designed for this type of motorized vehicle!
The Obligation for Scooter Insurance in Quebec
There is no legal obligation to insure a “50 cc” or smaller motorcycle. However, insurance is highly recommended, particularly by the Insurance Bureau of Canada, which advocates for covering civil liability as well as potential damages.
Legal Documents to Prepare for Scooter Insurance
You will need your Quebec Class 6D driver’s license, and the SAAQ parental consent form (Consent of the Holder of Parental Authority) if you are a minor. Have on hand the document detailing the technical specifications and the replacement value of your scooter.
Insured’s Obligations
It is essential to provide accurate information to your auto insurance representative and to comply with the terms of your insurance contract to avoid any future problems.
Let’s now discuss the different scooter insurance options!
Available Coverage Options
Scooter insurance can cover civil liability for damages caused to others, material damages, and even theft or damages resulting from natural disasters. Depending on the case, they may also include compensation for injuries in the event of a scooter accident.
How to Choose Your Scooter Insurance?
Assess your needs and try to anticipate various scenarios. Consider how you will use your moped and plan for coverage for each situation, based on your practice and the territory where you plan to ride.
Other Benefits of Scooter Insurance
In addition to protecting you financially, your insurance company is a valuable resource and can offer you assistance.
Now that you are insured, be careful!
Safety, So Crucial on a Scooter
Always respect traffic laws, wear a helmet and reflective clothing, and be attentive to traffic conditions to adapt your riding. A little-known but very important rule: you are prohibited from carrying a passenger until you reach the age of 16. The law also prescribes zero tolerance for alcohol for drivers under 22 years of age or who have not yet accumulated five years of experience.
Reducing the Risk of Scooter Accidents
Avoid risky behaviors such as excessive speed or driving under the influence of alcohol, and keep your scooter in good condition through regular maintenance.
And if accidents do happen, here’s how to file a scooter insurance claim:
Simple Steps
Contact your representative quickly for assistance and follow the steps of the online claim process or use the Intact Insurance application.
Communicate Effectively
Clear and open communication with your representative is essential. Be precise and transparent in your account of events, avoid lying, and emphasize information that aligns with what is covered by your policy.
The road is now open to you. You can cover miles in a vibrant urban setting or along small country roads where your scooter can ride safely. With good insurance and careful riding, you will have peace of mind as a scooter driver.
