Does my home insurance cover my electric scooter?

With the rise of personal vehicles, many owners are asking: does my home insurance cover my electric scooter? The short answer is that yes, in part, but there are important nuances that you should know.
 

In this article, we explain in which situations your electric scooter is protected by home insurance and when you need a specific policy. With DKV it is possible to insure your electric scooter in your home insurance. Our policy will protect your vehicle if it is damaged within your home, for example, due to theft, fire or flooding.
 

What does DKV home insurance cover regarding electric scooters?

At DKV, you can include your electric scooter among your home's insured contents. This means that you will be protected in the event of damage as a result of:

• Theft inside the home

• Fire

• Floods or other incidents covered by the policy

That is, if the scooter is inside your home and an incident occurs that is covered by your home insurance, your insurance will compensate you for any damage or loss, as long as the vehicle's value is correctly declared in the policy.
 

What does home insurance not cover regarding scooters?

While your home insurance may cover your electric scooter at home, there are some things it doesn't cover: civil liability arising from the use of the scooter on public roads. That is, if you have an accident or cause damage to third parties while riding your scooter, your home insurance won't cover it.

To be covered in these cases, you need specific electric scooter insurance, which includes:

• Compulsory civil liability

• Own damage

• Legal defence

• Roadside assistance (in some cases)

Why is it important to insure your electric scooter?

Whether you use it daily or occasionally, protecting your electric scooter is a smart decision. Garage and storage room burglaries are becoming more common, and an accident at home can damage your vehicle if it's not properly covered. Furthermore, having specific driving insurance is essential if you want to avoid fines or high costs in the event of an accident.
 

Having home insurance like DKV's policy not only protects your home and belongings, but also gives you peace of mind in the event of unforeseen events. And if you want complete protection for your electric scooter inside and outside the home, you can complement your insurance with specific coverage.

Having home insurance is an investment that contributes to the individual's and community's security and peace of mind. If you don't have it yet, we recommend that you take a look at our DKV Hogar insurance